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A family is enjoying outing during the weekend; image used for HSBC Motor Insurance.

Motor Insurance

Protect you from third party liability claims with comprehensive car insurance and premium workshop repair services.

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

Limited time offer

  • Free Charger Liability Coverage will be offered to the customer who apply for Motor Insurance choosing Comprehensive Cover (Electric vehicle customers only) through online submission on or before 31 Dec 2022.

Get a quote?

Need to make a claim?

Claim online anytime. Or claim over the phone or at an HSBC branch.

Use our calculator to find out how much you’ll pay.

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

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. 

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.

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

Have You Considered


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


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.

Important Information

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.