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Motor Insurance

According to the Motor Vehicles Insurance (Third Party Risks) Ordinance (Chapter 272 of the Laws of Hong Kong SAR), all vehicle owners are required to purchase motor insurance with third party liability coverage in order to protect third parties from the losses and damages in respect of their bodily injury or death and property in traffic accident. Therefore, motor vehicle insurance provides protection to insured and his/her authorized drivers for their legal liabilities to the losses and damages of the third parties arising from traffic accidents. For a more comprehensive protection, motor vehicle comprehensive insurance can provide an extended coverage to vehicle owners for the losses and damages of their own vehicles.

We have two types of Motor Vehicle Insurance, “Third Party Insurance” and “Comprehensive Insurance.”

“Third Party Insurance” provides protection to the insured and his/her authorized drivers for their legal liabilities in respect of death or bodily injury and property damage of third parties caused by the insured Vehicle in traffic accident.

“Comprehensive Insurance” not only protects insured with the coverage provided by the “Third Party Insurance”, but also accidental losses and damages of the insured vehicle and its parts.