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Complete cover for the road

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) protectionfootnote1
  • Cover loss of or damage to your car, with nil depreciation on repairs for a new carfootnote1
  • 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 modelfootnote1
  • Optional benefits available should you choose to top-up your coverage, including car damage in Guangdong Province

Special Offer

Successfully apply Motor Insurance on or before 31 Aug 2017 and settle payment by annual payment mode to get Caltex StarCash Card.

Apply any 2 General Insurance products: AccidentSurance, Cancer Care, FirstCare, HomeSurance, HospitalSurance, Motor Insurance, Outpatient Care, and Multi-trip TravelSurance, Wellcome Shopping Vouchers will be offered to the applicant(s).

Click here for Terms and Conditions.

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  • Summary of cover Select to Expand Select to Collapse

    What’s included?

    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 workshopfootnote5

    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.

  • Additional benefits Select to Expand Select to Collapse

    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.

  • Major exclusions Select to Expand Select to Collapse

    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.

  • Policy documents Select to Expand Select to Collapse

    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

  • Car Insurance Coverage and Optional Cover Select to Expand Select to Collapse

    Motor Insurance Coverage

    Car Insurance Coverage Table
    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 Driverfootnote3
    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) Protectionfootnote3
    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 Replacementfootnote3,footnote4
    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 Repairsfootnote3,footnote4
    No deduction made for depreciation on spare parts when repairs due to an accident
    Applicable Not applicable
    5. Windscreen Replacementfootnote3
    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 Servicesfootnote3
    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 Carfootnote3
    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 Servicefootnote3,footnote2
    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 assistancefootnote3
    • towing servicefootnote3
    • rental carfootnote3
    Applicable Applicable
    10. AXA Premium Workshopfootnote3,footnote5
    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 for full terms and conditions and details of the exclusions.

    Optional Cover

    Optional Cover Table
    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 for full terms and conditions and other cover details.

Manage your policy online

At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account, payment method or payment frequency

You can also call our Insurance Service Hotline at (852)2867 8678 (852)2867 8678.

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) 3070 5003(852) 3070 5003.You may also send an email to motor.claims@axa.com.hk

Accident Insurance

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

Hospital Insurance

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.

Your Application Policy Schedule and Policy Wording together make up your insurance policy. Please read the related documents together to make sure you know what covered is provided and any terms and conditions that may apply. Also, the Certificate of Insurance in the pack should always be kept with you in your car as proof of insurance.

You have to inform AXA if there are any changes of the insured items or personal details of the policyholder and insured. You may call AXA at (852)2867 8678 (852)2867 8678 or email axa.bank.gi@axa.com.hk.

No Claim Discount (NCD) is a reward to you (the insured) for no claim is made to the policy during any of the periods of insurance specified below. You will earn a 10% discount on the renewal premium with a maximum of 60% discount if no claim is made for 5 consecutive years with the details as below:

(Application to Private Car only)

Sample table
Period of Insurance No claims Discount
(On Renewal Premium)
One year 20%
2 consecutive years 30%
3 consecutive years 40%
4 consecutive years 50%
5 or more consecutive years 60%

If a claim is made or being claimed during a period of insurance of which you are entitled NCD 40% or less, your NCD will be forfeited and resume from 0% at the renewal year.

If a claim is made or being claimed during a period of insurance of which you are entitled NCD 50% or 60%, your NCD will be reduced to 20% or 30% at the renewal year respectively. However, if you make more than one claim or being claimed, your NCD will be forfeited and resumed from 0% at the renewal year.

M.I.B. ("Motor Insurers' Bureau of Hong Kong") is a company incorporated in Hong Kong and limited by guarantee. All motor insurance policies issued in Hong Kong must contribute a levy based on the policy premium to M.I.B., this M.I.B. surcharge will be included and shown in the premium breakdown on Policy Schedule. It provides compensation to victims of traffic accidents where the drivers concerned are uninsured or untraceable, or the insurers concerned are insolvent.

AXA gives you a hassle free to assess the car value every year. AXA will indemnify you against loss of or damage to your car based on the Market Value of the insured car at the time of loss. Market Value means the cost of replacing the insured car with one of the same make and model, of similar condition, specification and age as prevailing immediately before the accident. Thus, sum insured is not required for this.

Excess is the amount of that you have to contribute towards the cost of a claim, it will be applicable depending on the type of claim made as well as the person who is driving the insured car at the time of the accident.

General Excess is applicable to the loss of or damage to the insured car for Comprehensive Cover only.

Third Party Property Excess is applicable to any claim for indemnity against liabilities for third party property damage.

Young Driver Excess is applicable if the person, who is driving the insured car at the time of accident, is below the age of twenty five (25) years old.

Inexperienced Driver Excess is applicable if the person, who is driving the insured car at the time of accident, has held a valid driving license for a period less than 2 years.

Unnamed Driver Excess is applicable if the person, who is driving the insured car at the time of accident, is not named in the Policy Schedule or Certificate of Insurance but who is authorized by the policyholder to drive the insured car.

Theft Loss Excess is applicable to the insured car if a claim is arising out of theft or attempted theft.

Parking Damage Excess is applicable to the insured car if the loss or damage occurs whilst the insured car is parked.

If the insured driver is aged 25 below, holding a valid driving license less than 2 years and not named in the Policy Schedule at the time of accident, where Young Driver Excess, Inexperience Driver Excess and Unnamed Driver Excess are all applicable at the same time, these three excesses will be calculated cumulatively in addition to General Excess or Third Party Property Excess whichever is applicable.

End Notes Select to Expand Select to Collapse

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.


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 Commissioner of Insurance 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 Companies 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.