Comprehensive cover for you and your car
Enjoy driving with the knowledge that you and any third party are fully covered by comprehensive car insurance for loss or damage resulting from a traffic accident.
Covers third-party legal liability
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
Cover for accidental loss and damage[@freeaddtionalbenefits]
We will cover the loss of or damage to your car sustained from a car accident
We will pay the insured driver and your passenger medical expenses of up to HKD6,000 for bodily injury from a car accident
'New for old' replacement[@freeaddtionalbenefits]
'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
Limited time offers
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 2023.
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:
Show 'Comprehensive Cover' benefits
More help when you need it
When life surprises you, you can choose the optional benefits to offer you more support.
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 your policy 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.
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.
Motor insurance coverage and optional cover details
Motor insurance coverage
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
For more details, refer to the policy wording (PDF).
To apply for a Motor insurance policy, you'll need to hold an HSBC credit card or account, and be aged 18 or above.
HSBC customers can apply for a Motor insurance policy online
Need to make a claim?
Claim online anytime, over the phone or at an HSBC branch.
Find out more
Which documents make up my insurance policy?
How do I make a change to my policy?
What is no claim discount (NCD)?
What is 'MIB'?
Why is sum insured not required during application?
What is 'excess'? What kinds of 'excess' apply to me?
Why is the policy schedule not given?
What is NCD protection (applicable to 'Comprehensive Cover' only)?
What is a rental car (applicable to 'Comprehensive Cover' only)?
If I select the 'Third Party Only Cover' and choose the 'personal accident to the named driver' add-on benefit, will this optional cover apply to all named drivers under my policy?
Can I change the policy details after the policy has been issued?
Is the premium guaranteed to remain unchanged during the period of insurance and upon policy renewal?
Can a non-Hong Kong resident apply for Motor Insurance?
How can I manage and renew my Motor Insurance policy?
Can I cancel my Motor Insurance policy?
What do I do in the event of an accident?
How do I make a claim?
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