Motor Insurance

HSBC HK
Insurance
Motor Insurance

Enjoy driving, safe in the knowledge that you and any third party are fully covered by comprehensive car insurance for loss or damage resulting from a traffic accident.

Key benefits

Protect you against third party legal liability from car accident
24-hour emergency service
No Claims Discount (NCD) protection¹
Cover loss of or damage to your car, with nil depreciation on repairs for a new car¹
Get your old car that was stolen or suffered a total loss due to an accident replaced with a new one of the same – or similar – make and model¹
Optional benefits available should you choose to top-up your coverage, including car damage in Guangdong Province

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Summary of cover

Third Party Legal Liability from a car accident

Covers your legal liability arising out of an accident caused by or in connection with your car for up to HKD100 million in the case of death or bodily injury to another person, or up to HKD2 million in the case of loss of or damage to property of other people.

With Comprehensive Cover, as well as third party liability protection you will also receive cover for:

Accidental loss of or damage to your car

We will cover the loss of or damage to your car sustained from a car accident.

Medical expenses

We will pay the insured driver and your passenger medical expenses up to HKD6,000 for bodily injury from a car accident.

'New for old' car replacement

Replace your car, which is stolen or suffers total loss in an accident, with a car of the same make and model without deducting any depreciation as long as:

you are the first registered owner
the loss occurs within the first twelve months of the first registration of the Car with the Transport Department
the first registration of the Car with the Transport Department must be made within the calendar year immediately following the year of the manufacture thereof

Access to the AXA premium workshop [PDF] This link will open in a new window

Provides you quality workmanship on your car as well as services by a group of selected professional repairer partners whilst it is being repaired to minimize any inconvenience caused to you.

Personal Accident to the Named Driver

We'll pay up to HKD200,000 to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident.

24-hour Emergency Service (Assistance Hotline)

You will have access to a 24-hour hotline that can provide emergency roadside assistance and towing services, as well as claim advisory and traffic regulation services.

No Claim Discount (NCD) Protection

Protect your NCD remains unchanged if the total claims in aggregate do not exceed HKD60,000 or 30% of reasonable market value (whichever is lesser) upon next renewal period.

Windscreen repair or replacement

We will cover the repair or replacement of damaged windscreen up to HKD5,000 without deduction in your NCD provided there is no other damage to your car.

Claims Recovery Servicefootnote²

In the event of an accident caused by the third party’s fault, a claim recovery service will be provided to pursue recovery for your uninsured loss.

For more details, refer to our insurance policy.

Motor Insurance Coverage

Coverage
Benefits	Limit of Comprehensive Cover (HKD)	Limit of Third Party Only Cover (HKD)
SECTION (I) COVER LOSS OF OR DAMAGE TO YOUR CAR
Accidental Loss of or Damage to Your Car Cover the loss of or damage to your car sustained from a car accident	Reasonable market value of your car at the time of loss/damage	Not applicable
Removal to the nearest repairer and Redelivery after Repair Cover the cost of removal of your damaged car to the nearest repairer and also the cost of redelivery to you after repair	20% of the agreed cost of repairs to your car	Not applicable
Authorized Repair Limit You may authorize the repair of your car necessitated by damage	1,000	Not applicable
SECTION (II) PROTECT YOU AGAINST THIRD PARTY LEGAL LIABILITY FROM CAR ACCIDENT Protect your legal liability arises out of an accident caused by or in connection with your car in respect of
a) Death or bodily injury to other people	100,000,000	100,000,000
b) Loss of or damage to property of other people	2,000,000	2,000,000
SECTION (III) MEDICAL EXPENSES
Cover the medical expenses if you/insured driver/your passenger sustain bodily injury from a car accident	6,000	Not applicable
FREE ADDITIONAL BENEFITS
1. Personal Accident to the Named Driver³ Personal Accident Cover to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident	200,000	Not applicable
2. No Claim Discount (NCD) Protection³ Protect your NCD remains unchanged if the total claim in aggregate do not exceed the said limit upon next renewal period	60,000 or 30% of reasonable market value or your car (whichever is lesser)	Not applicable
3. New for Old Replacement^3,4 Replace your car, which is stolen or suffers total loss in an accident, with a car of the same make and model without deducting any depreciation if you are the first registered owner	Car of same make and model	Not applicable
4. Nil Depreciation on Repairs^3,4 No deduction made for depreciation on spare parts when repairs due to an accident	Applicable	Not applicable
5. Windscreen Replacement³ Cover the repair or replacement of damaged windscreen without deduction in your NCD provided there is no other damage to your car	5,000	Not applicable
6. Towing Services³ Cover the cost of towing service if your car is immobilized, unfit or unsafe to be driven due to an accident or mechanical breakdown	2,000	Not applicable
7. Rental Car³ In the event of your car is being repaired exceeding 48 hours due to a car accident necessitating immobilized, or being stolen and not found within 48 hours, cost of a rental car for substitution will be covered	4,000	Not applicable
8. Claims Recovery Service^3,2 In the event of an accident caused by the third party’s fault, a claim recovery service will be provided to pursue recover for your un-insured loss	Applicable	Not applicable
9. 24-hour Emergency Service (Assistance hotline) Provide you the following emergency service on advisory or referral basis: - general information of traffic regulation - advice on claim procedure and report claim - emergency roadside assistance³ - towing service³ - rental car³	Applicable	Not applicable
10. AXA Premium Workshop^3,5 Provide you quality workmanship on your car as well as services by a group of selected professional repair partners. You will also be entitled a list of additional benefits	Applicable	Not applicable

Note: The above information is intended as a general summary. Please refer to the policy wording [PDF]Opens in a new Window. for full terms and conditions and details of the exclusions.

Optional Cover

Optional Cover coverage
Benefits	Comprehensive Cover (HKD)	Third Party Only Cover (HKD)
Car Damage in Guangdong Province of the People’s Republic of China Extend to cover you and your car when you are driving in Guangdong Province of the People's Republic of China under: - Section (I) Cover loss of or damage to your car, and - Section (III) Medical expenses where your indemnity limits remain unchanged as the original policy	Applicable	Not applicable
Additional Accessories Cover audio-visual equipment, disablement equipment, car camera, sunroof, GPS, car alarm which is permanently fixed to your car and that are not configured as the original specification by your car’s manufacturer	Choice of sum insured: 30,000 / 50,000 / 100,000	Not applicable
Increase of Third Party Property Damage Limit Third Party Property Damage limit increase from HKD2million to HKD3million	Applicable	Not applicable
Third Party Property Excess Waiver to Named Driver Third Party Property Excess for all named drivers to be waived	Applicable	Not applicable
Personal Accident to the Named Driver Personal Accident Cover to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident	Not applicable	100,000

Note: The above information is intended as a general summary. Please refer to the policy wording [PDF]Opens in a new Window. for full terms and conditions and other cover details.

Third Party Legal Liability from a car accident

With Comprehensive Cover, as well as third party liability protection you will also receive cover for:

Accidental loss of or damage to your car

We will cover the loss of or damage to your car sustained from a car accident.

Medical expenses

We will pay the insured driver and your passenger medical expenses up to HKD6,000 for bodily injury from a car accident.

'New for old' car replacement

Replace your car, which is stolen or suffers total loss in an accident, with a car of the same make and model without deducting any depreciation as long as:

you are the first registered owner
the loss occurs within the first twelve months of the first registration of the Car with the Transport Department
the first registration of the Car with the Transport Department must be made within the calendar year immediately following the year of the manufacture thereof

Access to the AXA premium workshop [PDF] This link will open in a new window

Provides you quality workmanship on your car as well as services by a group of selected professional repairer partners whilst it is being repaired to minimize any inconvenience caused to you.

Personal Accident to the Named Driver

We'll pay up to HKD200,000 to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident.

24-hour Emergency Service (Assistance Hotline)

You will have access to a 24-hour hotline that can provide emergency roadside assistance and towing services, as well as claim advisory and traffic regulation services.

No Claim Discount (NCD) Protection

Protect your NCD remains unchanged if the total claims in aggregate do not exceed HKD60,000 or 30% of reasonable market value (whichever is lesser) upon next renewal period.

Windscreen repair or replacement

We will cover the repair or replacement of damaged windscreen up to HKD5,000 without deduction in your NCD provided there is no other damage to your car.

Claims Recovery Servicefootnote²

In the event of an accident caused by the third party’s fault, a claim recovery service will be provided to pursue recovery for your uninsured loss.

For more details, refer to our insurance policy.

More help when you need it

When life surprises you, you can choose the optional benefits to offer you more support.

Optional Cover

For an additional fee, you can choose to supplement your coverage with the following benefits:

Car damage protection in Guangdong Province of the People’s Republic of China

We can extend to cover you and your car for loss/damage as well as the medical expenses when you are driving in Guangdong Province of the People’s Republic of China where your indemnity limits remain unchanged as the original policy.

Additional accessories

We can also cover audio-visual equipment, disablement equipment, car camera, sunroof, GPS, car alarm which is permanently fixed to your car and that are not configured as the original specification by your car’s manufacturer.

Increase of Third Party Property Damage Limit

Third Party Property Damage limit increase from HKD2million to HKD3million.

Third Party Property Excess Waiver to Named Driver

Third Party Property Excess for all named drivers to be waived.

Personal Accident to the Named Driver (applicable for Third Party Only cover)

Personal Accident Cover to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident.

For more details, refer to our insurance policy.

Unfortunately we can’t cover you for :

Consequential loss
Depreciation wear and tear mechanical or electrical breakdown failure or breakage
Damage to tyres unless damage is caused to other parts of the insured car at the same time
Excess where applicable as stated in the Policy Schedule
Loss or damage as a result of intentional self-injury, suicide or attempted suicide
Any accident occurs due to drunk driving or drug driving of an insured driver
Terrorism

For more details, refer to our insurance policy.

All the information you need in one place

Motor Insurance full policy booklet

See the full terms and conditions of your Motor Insurance policy.

View policy document [PDF] Download

Motor Insurance Coverage

Coverage
Benefits	Limit of Comprehensive Cover (HKD)	Limit of Third Party Only Cover (HKD)
SECTION (I) COVER LOSS OF OR DAMAGE TO YOUR CAR
Accidental Loss of or Damage to Your Car Cover the loss of or damage to your car sustained from a car accident	Reasonable market value of your car at the time of loss/damage	Not applicable
Removal to the nearest repairer and Redelivery after Repair Cover the cost of removal of your damaged car to the nearest repairer and also the cost of redelivery to you after repair	20% of the agreed cost of repairs to your car	Not applicable
Authorized Repair Limit You may authorize the repair of your car necessitated by damage	1,000	Not applicable
SECTION (II) PROTECT YOU AGAINST THIRD PARTY LEGAL LIABILITY FROM CAR ACCIDENT Protect your legal liability arises out of an accident caused by or in connection with your car in respect of
a) Death or bodily injury to other people	100,000,000	100,000,000
b) Loss of or damage to property of other people	2,000,000	2,000,000
SECTION (III) MEDICAL EXPENSES
Cover the medical expenses if you/insured driver/your passenger sustain bodily injury from a car accident	6,000	Not applicable
FREE ADDITIONAL BENEFITS
1. Personal Accident to the Named Driver³ Personal Accident Cover to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident	200,000	Not applicable
2. No Claim Discount (NCD) Protection³ Protect your NCD remains unchanged if the total claim in aggregate do not exceed the said limit upon next renewal period	60,000 or 30% of reasonable market value or your car (whichever is lesser)	Not applicable
3. New for Old Replacement^3,4 Replace your car, which is stolen or suffers total loss in an accident, with a car of the same make and model without deducting any depreciation if you are the first registered owner	Car of same make and model	Not applicable
4. Nil Depreciation on Repairs^3,4 No deduction made for depreciation on spare parts when repairs due to an accident	Applicable	Not applicable
5. Windscreen Replacement³ Cover the repair or replacement of damaged windscreen without deduction in your NCD provided there is no other damage to your car	5,000	Not applicable
6. Towing Services³ Cover the cost of towing service if your car is immobilized, unfit or unsafe to be driven due to an accident or mechanical breakdown	2,000	Not applicable
7. Rental Car³ In the event of your car is being repaired exceeding 48 hours due to a car accident necessitating immobilized, or being stolen and not found within 48 hours, cost of a rental car for substitution will be covered	4,000	Not applicable
8. Claims Recovery Service^3,2 In the event of an accident caused by the third party’s fault, a claim recovery service will be provided to pursue recover for your un-insured loss	Applicable	Not applicable
9. 24-hour Emergency Service (Assistance hotline) Provide you the following emergency service on advisory or referral basis: - general information of traffic regulation - advice on claim procedure and report claim - emergency roadside assistance³ - towing service³ - rental car³	Applicable	Not applicable
10. AXA Premium Workshop^3,5 Provide you quality workmanship on your car as well as services by a group of selected professional repair partners. You will also be entitled a list of additional benefits	Applicable	Not applicable

Note: The above information is intended as a general summary. Please refer to the policy wording [PDF]Opens in a new Window. for full terms and conditions and details of the exclusions.

Optional Cover

Optional Cover coverage
Benefits	Comprehensive Cover (HKD)	Third Party Only Cover (HKD)
Car Damage in Guangdong Province of the People’s Republic of China Extend to cover you and your car when you are driving in Guangdong Province of the People's Republic of China under: - Section (I) Cover loss of or damage to your car, and - Section (III) Medical expenses where your indemnity limits remain unchanged as the original policy	Applicable	Not applicable
Additional Accessories Cover audio-visual equipment, disablement equipment, car camera, sunroof, GPS, car alarm which is permanently fixed to your car and that are not configured as the original specification by your car’s manufacturer	Choice of sum insured: 30,000 / 50,000 / 100,000	Not applicable
Increase of Third Party Property Damage Limit Third Party Property Damage limit increase from HKD2million to HKD3million	Applicable	Not applicable
Third Party Property Excess Waiver to Named Driver Third Party Property Excess for all named drivers to be waived	Applicable	Not applicable
Personal Accident to the Named Driver Personal Accident Cover to the named driver who suffered a car accident when driving your car within 3 calendar months of the accident	Not applicable	100,000

Note: The above information is intended as a general summary. Please refer to the policy wording [PDF]Opens in a new Window. for full terms and conditions and other cover details.

Manage Your Policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Log on to Personal Internet Banking About Personal Internet Banking This link will open in a new window

Learn more about managing your policy About Manage your insurance policy

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

You may submit a claim online anytime or call our telephone claims hotline for help at (852) 2867 8678.You may also send an email to motor.claims@axa.com.hk

Make a claim This link will open in a new window

Have You Considered

Accident Insurance

Accident insurance protects you and your dependents against the financial strain that a personal accident can bring.

Hospital Insurance

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Hospital cash insurance plan that gives you a daily cash benefit when you are hospitalised, which you can use for any purpose and is guaranteed regardless of the actual hospital expenses.

Frequently Asked Questions

Important Information

Motor Insurance Policy Document [PDF] This link will open in a new window

Forms and documents

Important Information This link will open in a new window

Motor Insurance Declaration, Terms and Conditions This link will open in a new window

Make a claim This link will open in a new window

Fees & Charges

Glossary

¹Free Additional Benefits (Applicable for Comprehensive Cover only)

²Claims Recovery Service – AXA do not guarantee a successful recovery action, and AXA shall not bear any legal responsibility for the failure of any such action. Any legal costs and all relevant disbursements incurred in a recovery action will be borne by you and AXA in accordance with the proportion of their respective claims.

³The benefit is applicable given if the first registration of your car with the Transport Department made within the calendar year immediately following the year of the manufacture, and the loss occurs within the first twelve months of the first registration of your car with the Transport Department.

⁴For the list of free additional services and details of AXA Premium Workshop, please click here [PDF].

General Insurance products are applicable to HSBC accounts and credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

Get a quote?

Summary of cover

What’s included?

Additional benefits

Major exclusions

Policy document

Motor Insurance Coverage and Optional Cover

Manage Your Policy

Manage your policy online

Make a claim

Have You Considered

Accident Insurance

Hospital Insurance

Important Information

End Notes