Motor Insurance Quotation Form

  • The Policy
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  • MIB and Transport Department
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  • Accidents and Claims
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    The Policy

    Your Motor Insurance Policy Explained

    When you have successfully applied for motor vehicle insurance and provided all the necessary supporting documentation, you will be issued with an insurance policy. A policy is the written proof of an insurance contract, and can sometimes be confusing to individuals who do not specialize in insurance. To help you understand your policy we have provided a guide below.

    Insurance policy wording in Hong Kong is not regulated by the government or the insurance authority; policies will however always meet the minimum coverage limits required by Hong Kong Law. As such insurance companies are free to use the wording and language of their choice in the policy documents (the insurance schedule and the certificate of insurance). Most motor vehicle insurance policies will use wording that is similar to that is found in the market. Increasingly motor vehicle insurance policies in Hong Kong are being written in plain English (more "user friendly" wording). Policies will normally take the form of a list that will outline the specifics of what is covered under the insurance.

    A Listed Policy will typically be presented as follows:
    • Policy Number : This is the number assigned to your policy by the insurer. This number is important as it will typically be on all correspondence between yourself and the insurance company. A policy number is needed in the event of a claim.

    • Period of Insurance : This will outline the timeframe of the policy. Motor Vehicle Insurance policies will typically last for 1 year, after which they must be renewed in order to receive continuing cover.

    • Date of Issue : This will illustrate exactly when the policy was issued. Please note that the date of issue and the start of the policy may not always be the same.

    • Name and Address of the Insured : This will specify the primary driver/owner of the policy as well as their current correspondence address. Any other drivers of the vehicle included in the policy will be named later. It is important that you check the policy and ensure that your name and address are correct.

    • The Risk : This section will pertain specifically to the vehicle that is being insured and will include:

      • Type of Cover : Whether the policy is providing Third Party or Comprehensive coverage.
      • Registration Mark :This is the Vehicles license plate and will typically consist of two letters and up to four numbers. (e.g. AA1111)
      • Make/Model : Information as to the manufacturer of the vehicle and its model (e.g. Porsche 911 Carrera 2 Cab).
      • Body : the vehicle is a sedan, coupe, truck, motorcycle, bus, or SUV.
      • Year of Manufacture : The year that the vehicle was made (e.g. 2002).
      • Engine and Chassis Number : The unique numbers assigned to both the engine and chassis of the vehicle. These can be helpful in tracking the vehicle in the event of theft.
      • Seating Capacity : Typically, the number of people who can fit in/on the vehicle excluding the driver.
      • Engine Capacity : The size of the vehicles engine in CC (e.g. 3596 Cylinder Capacity).
      • Sum Insured : Applicable only to comprehensive insurance policies, this is the total estimated value of the vehicle in Hong Kong dollars.
      • NCD :This will state the total amount of No Claims Discount that the policyholder is receiving on the policy as a percentage of the premium. To learn more about NCD please click here.
      • Occupation of Policyholder : This will state what the policyholder does for a living (e.g. Banker)
      • Named Driver(s) : The individuals listed here are named on the policy, as such, should an accident occur, they will be exempt from the unnamed driver excess/deductible. To learn more about excesses and deductibles please click here.
    • Excess/Deductible : This section will illustrate all the excesses/deductibles that may be applicable to the policy, and the amount of the excess/deductible in question. Please visit our excesses/deductibles section for more information.

    • Policy Limit : Typically this is the final section in the policy schedule and will outline all the financial limits of liability for the policy (the amount of coverage that the policy will provide). The policy limits will always be subject to the excesses and may have additional implications outlined in the policy conditions. As an illustration, the policy limit required by law for Third Party Death or Bodily Injury is a minimum of HK$ 100,000,000.
    In addition to the Policy Schedule (or Scheduled Policy) there will typically be five (5) additional clauses that can be attached, but may not be mentioned in the Schedule of Insurance.
    • Recital Clause : This is typically the introduction to the policy and will make reference to the policyholder and the insurance company by name. The Recital Clause may not always be referred to by name in the policy and can make mention of the application/proposal form and the declaration as forming the basis of the contract. Again, the recital clause may not always appear on your policy, especially if you have renewed.

    • Operative Clause : This will outline the circumstances under which the insurance is active. This section is sometimes referred to as the Insuring Clause, but will always be recognizable due to the information that it contains. The Operative Clause will outline the perils of the policy (exactly what is covered under the insurance), and may contain information pertaining to the policy exclusions and any excesses/deductibles applicable to the policy. The Operative Clause will not appear in every policy, especially those that are formatted as a scheduled policy.

    • General Exceptions : This section is more commonly known as the Policy Exclusion section, and will outline all the risks that are not covered under the policy. For more information about motor vehicle insurance exclusions, please click here.

    • Policy Conditions :This is the section that will outline the conditions regulating the policy. The Policy Conditions section will usually take note of claims, arbitration in the event of a dispute, cancellation of the policy, the penalties for under insuring the vehicle (average), common law amendments (such as subrogation and contribution), and premium payment.

    • Signature Clause : This is so known as it contains the signatures on behalf of the insurer to confirm the policy.
    Each insurer in Hong Kong is allowed to use their own wording for the policies that they provide and as such, outside of providing the minimum levels of coverage required by Law, not every policy will be the same, and there may be some radical differences from one policy to another.

    We have tried to outline the typical policy layout, but this can change between insurance companies and with different types of coverage.

    For more information about your motor vehicle policy, or to receive a free quote, please contact us today.

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    Motor Vehicle insurance Premiums

    There a re a number of factors that are taken into account when calculating a motor vehicle insurance premium. Below we have listed some of the major factors of consideration that may have an effect on your motor vehicle insurance premium.

    Type of cover : The type of cover that you choose will have an effect on the premium for your policy. There are two main types of cover offered in Hong Kong for vehicles, Third Party and Comprehensive. Typically a comprehensive policy will be more expensive than a third party plan; however there are some exceptions to this.

    Make and model of the vehicle : This is, outside of the type of coverage that you require, the most important factor in obtaining a motor vehicle insurance quote. Some vehicles are classified as 'high risk' and can only be insured through a limited number of insurance companies, while other vehicles can be insured anywhere.

    Engine power : The more powerful the engine of the vehicle the more the premium will be. This is especially true in regards to motorcycles and scooters. The size of a vehicles engine will directly affect the power and performance of the vehicle and bigger engines imply a higher risk.

    Age of the vehicle : The age of a vehicle is very important when determining the insurance premium. Typically vehicles that are 10 years old at the time of application will have a loading imposed on the premium. This is because older vehicles are seen as being less reliable and as such impose more of a risk.

    Value of the vehicle : If you are obtaining a comprehensive insurance policy then the value of the vehicle will directly affect the plans premium. The more the vehicle is worth the higher the premium will be. More expensive vehicles will require higher coverage limits and will be seen as a bigger risk by the insurer.

    Purpose of the vehicle : When applying for motor vehicle insurance you will be asked what you will be using the vehicle for. If you intend on using the vehicle for anything other than private use (an example would be business use) there will be additional risks associated with it, and as such you can expect a higher premium.

    No claims discount : No Claims Discount, or NCD, can be used to lower the overall premium by up to 60%. In order to use NCD to lower the premium you must prove to the insurer that you have more than one year of claims free insurance. To find out more about NCD, please click here.

    Occupation of driver : The occupation of the driver will affect the risk involved in providing insurance. If the driver is a professional race car driver then there will be a higher risk involved than if the driver works in a white collar profession.

    Young Driver : A young driver is classified as any individual who drives the vehicle who is under the age of 25. If a named driver on the policy is a young driver then the premium will likely be more than if they were over the age of 25. The reason for this is that young drivers pose more of a risk and as such the insurer will usually impose a premium loading on their insurance.

    Inexperienced Driver : An inexperienced driver is any individual with less than 2 years driving experience. These drivers pose a high risk as they do not have much practice driving on the open road and as such the insurer will typically impose a premium loading on these individuals.

    These are the main criteria that an insurer will use when calculating the premium for your motor insurance policy. For more information about the different criteria, or to receive a free motor vehicle insurance quote, please contact one of our expert advisers.

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    What do I Need to get a Quote?

    In order to receive a free motor vehicle insurance quote you only need to provide us with the vehicles details. The important factors that we need to know when providing your quote are:
    • Type of quote : Whether you would like a third party or comprehensive quote. It is possible to obtain both, and our advisers will help you to choose the cover that is best for you.

    • The vehicles make and model : What manufacturer makes the car or bike, and what specific model the vehicle is.

    • The vehicles body type : is the vehicle a saloon, coupe, or SUV?

    • The engine capacity : As the engine capacity will directly affect the vehicles performance and the insurance premium this information is vital.

    • The year of manufacture : When was the vehicle made?

    • Replacement value of the Vehicle : In the event that you want a comprehensive quote, how much is the vehicle worth?

    • Is there financing on the vehicle : In the event that you have financing on the vehicle the policy will be sent to the financing company. This is very important in terms of your plans administration.

    • Drivers age : How old is the primary driver?

    • Driving experience : How long has the primary driver been licensed in Hong Kong and overseas?

    • Drivers occupation : What is your occupation?

    • Additional Driver : Do you want an additional named driver on the vehicle?

    • Do you have any no claims discount : If you have NCD how much discount are you entitled to receive?

    • When would you like coverage to start : When will you be taking possession of the vehicle and when would you like the plan to commence?
    By providing us with all the information that we need we can obtain a range of quotes for you. The more details that you can provide to us in regards to the vehicle and your driving history, the faster we can provide quotes and arrange coverage.

    If you would like to obtain a free quote, please click here.

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    Types of Cover: Third Party vs. Comprehensive

    All motor vehicle insurance policies will provide the policyholder with the basic Third Party liability cover that is mandated by Hong Kong law. There are three different kinds of cover, however, that are available in Hong Kong in regards to motor vehicle insurance, and each type of cover will differ slightly from the other two. The three types of motor vehicle insurance offered in Hong Kong are Third Party Only, Third Party Fire and Theft, and Comprehensive.

    Third Party Only

    Third Party Only insurance on a motor vehicle in Hong Kong will provide cover to the policyholder for his liability at law to third parties for property damage, injury, or death. Under Hong Kong law it is mandatory for every vehicle to insure against their liability of bodily injury or death to third parties. The minimum coverage required by law on a Third Party Policy is HK$ 100,000,000 for any one event resulting in death or bodily injury. These policies will also usually provide HK$ 2,000,000 towards covering property damage, even though there is no such requirement under Hong Kong Law.

    Third Party Only policies will provide coverage up to the limits required by Hong Kong law for third party bodily injury and typically provide HK$ 2,000,000 in cover for property damage, which is not required by law.

    Third Party, Fire and Theft

    Third Party Fire and Theft policies will provide the same basic cover as a Third Party Only policy with an important addition. A Third Party Fire and Theft policy will cover the vehicle as property, and as such, property insurance will apply on damages or a loss resulting from fire or theft. The Fire and Theft benefits on a policy of this kind will be in addition to the basic Third Party liability cover, and may not always be a standard inclusion on a policy.

    Not all insurance companies will provide Third Party Fire and Theft policies.

    Comprehensive

    Comprehensive motor vehicle insurance is the cover that will provide the widest range of protection. A comprehensive policy will provide Third Party Fire and Theft protection with the addition of an 'all risks' clause on the policy, there are also a number of extra benefits that are typically associated with this type of plan. Comprehensive motor vehicle insurance policies will have their premium directly affected by the value of the vehicle that they are insuring, while third party policies are not.

    Typically, a comprehensive policy premium will be more expensive than those associated with Third Party cover. However, this may not always be the case.

    The above information is only a brief synopsis of the three types of motor vehicle insurance policies offered in Hong Kong. The actual scope of the plans can be much more in-depth than the information we have provided above. If you would like a more detailed explanation of motor vehicle insurance in Hong Kong, or would like to receive a free quote for your vehicle, our expert advisers would be happy to help.

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    Young, Inexperienced, Unnamed - Influences on Your Policy

    There are three factors that have the ability to greatly influence your motor vehicle policy; these are Young Driver, Inexperienced Driver and Unnamed Driver. These three factors can influence the policies premium and the deductibles that you pay in the event of a claim. Below we have outlined these three areas and the way in which they can influence your motor vehicle policy.

    Young Driver

    In the eyes of an insurance company a young driver is defined as any operator of a vehicle who is under the age of 25. Insurers have noticed that drivers under the age of 25 are more likely to be involved in an accident, or submit an insurance claim, than individuals aged 25 or older. This means that young drivers, or drivers under the age of 25, are a bigger risk for the insurer. Young drivers will typically be dealt with in one of two ways. The first is with a premium increase, or loading, that will display the increased risk posed by the driver. The second way is to introduce a 'young driver excess', this means that if a young driver makes a claim they will have to pay an additional young driver deductible on top of the standard excess.

    Inexperienced Driver

    Inexperienced drivers are individuals who have been licensed for, or who have a driving history of, less than 2 years. A driver who has been licensed less than 2 years poses a much higher risk than an individual who has had a longer experience driving, and as such the insurer will typically impose a premium loading or an inexperienced driver excess in addition to the standard policy excesses. Inexperienced drivers are much more likely to be involved in a traffic accident or make a claim on their policy than a driver who has a long driving history. The addition of an inexperienced driver to your policy may make your premium go up.

    Unnamed Driver

    Most motor vehicle insurance policies will provide cover for an unnamed driver, that is to say; an individual who is not named on the policy schedule as an operator of the vehicle but who is driving the car/motorbike with your knowledge and approval. Unnamed drivers will not affect your insurance premium, but there will typically be a higher excess for them in the event of an accident. The reason for this is that insurers have no control, in terms of premiums, when it comes to unnamed drivers, and as such the only way that they are able to limit their risk is with a high unnamed driver excess. In Hong Kong it is possible to obtain a Named Driver Only policy, in which case no individuals, except those named on the policy, are allowed to drive the vehicle.

    All three of these influences will be accompanied by a premium loading, excess, or both. To find out more about Excesses and Deductibles click here. If you would like to receive a free quote, please contact one of our advisers today

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    Named Vs Unnamed Drivers

    When obtaining motor vehicle insurance you will have the option to name an additional driver on the policy. This can cause some confusion as policyholders often wonder whether they should elect to name any additional drivers on the plan. In this section we aim to give you a brief outline as to the pros and cons associated with Named or Unnamed Drivers.

    Named Drivers

    A 'Named Driver' is any individual who is named on the policy as being an operator of the vehicle. One of the primary advantages to naming an additional driver on the policy is the fact that, should an accident occur, they will not be subject to the unnamed driver excess. Naming one additional driver will not, typically, affect your insurance premium if;
    • The named driver is not Young (under 25 years of age)
    • The named driver is not inexperienced (licensed less than 2 years)
    Most insurance companies in Hong Kong will allow the policyholder to name one additional driver; this is often the policyholder's spouse, however it can be a chauffeur or their child. If a policyholder decides to declare more than one additional driver the insurers will normally charge a service fee and may choose to increase the total premium.

    In the case of a 'Named Driver Only' policy (often found on motorbike insurance plans), only individuals who are named as drivers may operate the vehicle. If, in this case, an unnamed driver (someone who is not named in the policy) is operating that vehicle and an accident should occur, coverage will not be provided.

    If you would like to name a driver on your policy then you will need to provide a copy of that individual's Identity Card and Drivers License to the insurer along with their relationship to yourself. Adding an unnamed driver to a policy after it has commenced can be done, but this will typically take 2 -3 days.

    Unnamed Drivers

    Anyone operating a vehicle that is not named in the insurance policy is an unnamed driver. Unnamed drivers do not affect the insurance premium, and the only limitation as to who can be an unnamed driver is that they should be duly licensed and allowed to operate that class of vehicle.

    The only limitation in regards to unnamed drivers is that most motor vehicle insurance polices will contain an unnamed driver excess/deductible that will apply to any accident that occurs while they are in control of the vehicle. This excess is in addition to any other excesses that may be applicable to that claim/accident. The reason for this is that insurance companies have no control over who you let operate your vehicle and as such they limit their risk by imposing an unnamed driver excess on the policy.

    If you have a friend visiting from overseas, or know someone who you let drive your vehicle once every 6 months, then it may not be ideal to add them to the policy as a named driver. It is only if someone operates the vehicle on a regular basis for an extended period of time (more than six months) that you should consider them for inclusion on the policy as a named driver.

    For more information about Named and Unnamed Drivers, please contact one of our expert advisers today.

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    Deductibles/Excesses

    A deductible, or excess, is a predetermined amount that the policyholder must pay towards any claim in regards to property damage that they make. If, for example, a claim is HK$ 15,000 and the deductible is $ 5,000, then the insurer will pay $ 10,000 towards the cost of the claim, and the policyholder is responsible for the remaining $ 5,000.

    Motor vehicle insurance deductibles will only apply for claims pertaining to property damage, and not those involving bodily injury. The reason for this is that bodily injury claims can cost millions of dollars, while property damage claims are typically much less. Under Hong Kong law there is no minimum requirement for property damage coverage. Most insurers will, however, provide up to HK$ 2,000,000 in coverage for property damage.

    Policies will generally have a number of additional deductibles that may apply depending on the claim. The deductibles typically included on a motor vehicle insurance policy are as follows:

    General : This is the deductible/excess that will apply to any claim that you make.

    Young : This deductible will only apply if the driver of the vehicle at the time of the claim is young (under 25 years of age).

    Inexperienced : This deductible will only apply if the driver of the vehicle at the time of the claim is inexperienced (they have been licensed, or have a driving history of, less than 2 years).

    Unnamed : This deductible will only apply if the driver of the vehicle at the time of the claim is unnamed on the policy schedule.

    Parking : This deductible only applies in the event that someone causes damage to the vehicle when it is stationary. Not all policies will have a Parking deductible.

    Theft : This deductible only applies in the event that the vehicle is stolen.

    One crucial factor to remember in regards to motor vehicle insurance deductibles is that they are cumulative. Suppose, for example, a policy has the following deductibles:

    General: $ 5,000
    Young: $ 5,000
    Inexperienced: $ 5,000
    Unnamed: $ 5,000

    The owner of the vehicle lets his newly licensed son, who is not named on the policy and who is 18 years of age drive the car, and an accident occurs. In this case the policyholder must contribute $ 20,000 towards the total cost of the claim. The reason for this is that aside from the general policy deductible, the driver of the vehicle at the time of the accident was young, inexperienced, and unnamed, and as such all of those excesses will apply to the claim.


    It is important to note that deductibles will change with insurance companies and even individual policies. Some policies may have extremely high deductibles while other policyholders may not have to pay any deductibles at all.

    For more information about the claims process please click here. If you would like to receive a free motor vehicle insurance quote, simply fill out the form that we have provided, or contact one of our expert advisers today.

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    Extra Policy Benefits

    When you obtain a Comprehensive motor vehicle insurance policy you will typically receive a number of Extra Benefits on the plan. Extra policy benefits are usually provided free of charge on a comprehensive policy, however it is important to note that this may not always be the case and some insurers may raise the premium if you choose to take the additional coverage. Below we have provided examples of some of the typical extra policy benefits that can be found on motor vehicle insurance plans in Hong Kong.

    No Claims Discount Protector

    This extra benefit may not always appear on a policy, however when it does it protects your No Claims Discount in the event of a claim. There are limitations to this protection however and examples of some of these limitations are:

    • No more than one claim reported during the period of insurance.
    • No third party bodily injury is reported in the claim.
    • After the application of excesses the claim should not exceed certain monetary specifications.
    If your claim meets these requirements then you will still be entitled to use your NCD when renewing your policy.

    Windscreen Damage Excess Waiver

    In the event that there is damage to your vehicles windscreen then the excess/deductible may be waived in the event that the claim for the repair is less than a predetermined amount of, typically, HK$ 5,000.

    This extra benefit is usually only available on comprehensive motor vehicle insurance policies. Claims made under this benefit will not be accounted for in the calculations of total claims made under a No Claims Discount Protector benefit.

    New for Old Replacement Vehicle

    If your car is deemed to have sustained a 'total loss' (it is impractical to repair the vehicle) then your insurer will either provide you with a cash settlement (if a replacement vehicle is not available in Hong Kong) or replace the vehicle with one of the same make or model. Typically this extra benefit is only available within the first 12 months of purchase of a new vehicle and may not appear on all policies.

    Roadside assistance

    This benefit will appear on almost all comprehensive policies, and will provide you with assistance in the event of an accident or if your vehicle should suffer a malfunction while on the road. A roadside assistance benefit will provide:

    • Towing services
    • 24 hour Emergency assistance in the event of an accident
    • Engine start up in the event of a dead battery
    The above benefits are a typical example as to what you can expect in a Roadside assistance clause. It is important to note that this benefit will only provide assistance if there is an incident on the road, not while you are at home.

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    Canceling the Policy

    If, during the lifetime of your policy, you happen to sell your vehicle, you will have to cancel the insurance. Canceling your motor vehicle insurance policy is extremely easy. If you would like to cancel your policy please follow the simple steps we have outlined below.
    • On the original policy documents write 'cancel with effect from _____'.
      • Sign and date this statement
    • Mail the original policy documents to us for processing.
      • a. Unless we receive the original policy documents then the policy cannot be cancelled
    • We will then work with the insurer to cancel the policy for you.
    When you cancel a motor vehicle insurance policy you may be entitled to a refunded portion of the premium. To help you understand how this refund is calculated we have provided a short guide here.

    Refunded motor vehicle insurance policies are calculated using a 'short rate' system. This is a way of determining how much of the insurance you have 'used'. There are administration costs associated with creating, and then canceling, a policy. It is because of these costs that after one month on the policy you are said to have used 20% of the total premium.

    Each month after the first uses 10% of the remaining premium. This means that if you cancelled after the second month you would be entitled to a 70% refund of the premium that you originally paid. It is important that this system is used ubiquitously by all insurance companies in Hong Kong.

    As a way of further demonstrating the 'short rate' system we have provided the refund rates below:
    • 1st month: 80%
    • 2nd month: 70%
    • 3rd month: 60%
    • 4th month: 50%
    • 5th month: 40%
    • 6th month: 30%
    • 7th month: 20%
    • 8th month: No refund
    If you have been on a motor vehicle insurance policy for 8 or more months it is important to be aware that you will not be entitled to a refund on the policy if you should cancel it.

    If you would like more information about canceling your policy or the short rate system, or you would like to receive a free motor insurance quote, please contact us today.

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    What is NCD?

    No Claims Discount is a major feature of any motor vehicle insurance policy. No Claims Discount, or NCD, gives the policyholder a percentage discount on their motor insurance premium for every year that they have not had a claim.

    NCD is a insurance feature that is almost unique to motor insurance policies. Originally known as NCB, or No Claims Bonus, the name was changed to reflect the fact that this feature did not offer the policyholder any extra money, but rather a reduction on the next year's premium. NCD can significantly lower the annual premium of a motor vehicle insurance policy. It is, however, important to disclose the fact that you have NCD when receiving the quote; otherwise your premium may be much more than expected.

    The scale of the discounts associated with NCD can vary between insurance companies; however we have provided an outline of the typical scale for private vehicles below:
    • 1 year claims free driving: 20% NCD
    • 2 years claims free driving: 30% NCD
    • 3 years claims free driving: 40% NCD
    • 4 years claims free driving: 50% NCD
    • 5 years claims free driving: 60% NCD
    The maximum amount of NCD that you are allowed is 60%, representing 5 years of claims free driving. With other classes of vehicles (such as commercial vehicles) NCD will typically begin at 10% after one year and go to a maximum of 30%. NCD will, however, generally change between insurers, so it is important to note what rates your insurer will use.

    In the event of an accident NCD works on a 'step back' system. This means that a single serious accident should not eliminate the entitlement that you have towards NCD during the next policy year. An illustration of the step back system can be found below:
    • 60% NCD will become 30% when the policy renews
    • 50% NCD will become 20% when the policy renews
    If you had an NCD below 50% and are involved in a claim during the policy year then you will receive no NCD when the policy renews. In addition to this, policyholder's with NCD of over 50% who make 2 or more claims during the policy year will not receive any NCD when the policy renews. Please remember that this NCD 'step back' system will only usually apply to private vehicles and with other classes of vehicles a single claim will typically mean that there will be no NCD entitlement the following year.

    If you transfer your policy from one insurer to another you are able to transfer your NCD as well. In order to receive your NCD entitlement on the new policy you must provide proof of the previous No Claims Discount. NCD can be proven by obtaining a written confirmation from your previous insurer or simply displaying the old policy document; your NCD will typically be shown in the policy schedule as a percentage.

    NCD will expire within 12 months after the cancellation or end of a policy. This means that if you have not had a motor vehicle insurance policy for more than a year, you will not be able to receive any NCD on a new policy and must start your no claims history afresh.

    For more information about the No Claims Discount system in Hong Kong, or to receive a free quote, please contact one of our expert advisers today.

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