Motor Insurance

According to the provisions of the Motor Vehicle Insurance (Third Party Risks) Ordinance, a motor vehicle cannot be used on a road unless there is a policy of motor insurance in force in respect of third party risks. With the motor vehicle insured, the owner will not only be able to protect themselves or third party against damage from any misfortune but also comply with the requirements of the law.


  1. Comprehensive Insurance
  2. To indemnify the Insured againts :
    • Any damage to the vehicle arising from accidental collision, fire, theft or even malicious acts;
    • Liability in respect of death of or bodily injury to third party and third party properly damage
  3. Third Party Liability Insurance (mandatory by law)
  4. To indemnify the Insured againts liability in respect of death of or bodily injury to third party and third party property damage.


  1. For details, please enquire with the Company directly or our Agents
  2. In the event that no claim is made under the policy during the period of insurance, the Insured is entitled to a No Claim Bonus at renewal provided that copy of the previous insurance records is submitted with the Proposal Form.


The Company shall not be liable to any loss or damage arising out of the following situations:-

  1. Outside the jurisdiction.
  2. Failure to comply with the Limitations as to Use.
  3. Use by any unauthorized drivers.
  4. Under the influence of alcohol.
  5. War or warlike operations.
  6. Nuclear disasters.
  7. Terrorists attack.
  8. Strike, riot and revolution, etc.
  9. Failure to comply with regulations relating to the carriage of dangerous goods.
  10. Any liability which attaches by virtue of an agreement which would not have attached in the absence of such agreement.
  11. Any sum which the claimant would have been entitled to recover from any party but for an agreement between such person and such party.


  1. The Proposed Form must be filled in English.
  2. The name and address of the vehicle owner and all other information concerning the vehicle must be consistent with those in the Vehicle Registration Document.
  3. The occupation or business of the proposer must be indicated clearly.
  4. The use of the proposed vehicle and coverage needed must be indicated clearly.
  5. If you have applied for any motor vehicle insurance with another insurance company, the relevant information and copy of the policy must be attached.
  6. If the proposed vehicle was entitled to a No Claim Bonus, the expiry/renewal notice must be attached.
  7. If the proposed vehicle is under a hire purchase agreement, the name of the interested finance company or bank must be indicated.
  8. The name of the drivers and the number of years of driving experience in the driving license must be indicated and copy of their driving license must be attached.
  9. If the insured vehicle is a goods carrying vehicle, its permitted gross vehicle weight must be indicated for the calculation of premium.
  10. Copy of the Vehicle Registration Document (both sides) of the proposed vehicle must be enclosed.
  11. Before the official cover note has been issued or the proposal has been accepted by the Company, the insurance will not be in force.


  1. Once an accident occurs, it must be reported to the traffic investigation unit of the police force of the place of accident as soon as practicable within 24 hours with full particulars, and the police statement should be retained for our reference.
  2. Should the other party be responsible for the accident, the driver must lodge a complaint to the traffic investigation unit within 10 days for further investigation by the police.
  3. The accident report should be filled in and returned to the Company together with the following documents within 14 days. (verbal report by telephone is not acceptable):
    • Original letters of authorization for obtaining police statement
    • photocopy of driver’s identity card and driving licence
    • photocopy of owner’s identity card and driving licence
    • the notice of report provided by the police (with report no. e.g. notice of intended prosecution)
    • photocopy of Motor Vehicle Registration Document (both sides)
    • photocopy of police statement and sketch plan
    • drink driving procedure form Part I (Photocopy of screening breath test)
  4. If the vehicle is insured on comprehensive coverage and you intend to claim against the company for the repair fee, please submit the quotation prepared by the garage to the Company for our further proceeding. The Company will assign a loss adjuster to the garage for inspection of the vehicle and negotiation of a reasonable repair fee with the garage.
  5. If the vehicle is inspected by the police after the accident, please submit the document concerning the result of the inspection.
  6. Repair of the vehicle cannot be carried out without the prior consent of the Company. Otherwise, the Company will not be responsible for the repair fee.
  7. In the absence of the Company’s prior consent, no admission shall be made to any third party to claims of any nature.
  8. If you receive any letter from the police or any third party (including summons from the court), you must notify the Company immediately and you must not answer it yourself.
  9. Any late-reporting, admission of liability by the driver, settlement agreement or making any promise without the prior consent of the Company amounts to breach of the conditions of the policy which shall entitle the Company to deny liability under the policy.

* Any claim for compensation must comply with the conditions of the policy. Any breach of the above items may affect your interests.

Product Enquiry: 252 2422 or email us at

* The information contained in this website is a general summary. All terms and conditions are set out in the policy.