Each insurance company offers different types of car insurance coverage — so which one should you choose? Kwiksure takes you through a detailed look at AIG’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of AIG car insurance to help you find the most suitable policy.
AIG (American International Group) is a subsidiary of American International Group (AIG). Officially registered as a Hong Kong company in 1931, it was previously named AAU and AIU. AIA's insurance business spans approximately 70 countries and regions worldwide, providing a wide range of insurance products to individuals, families, small businesses, and multinational corporations. For example, car insurance, GBA SafeGuard Personal Accident Senior Care Insurance, Home Insurance, travel insurance, and Financial Insurance, etc.
AIG Auto Insurance offers discounts from time to time. Online quotes, policy management, and claims are also supported.
AIG's third-party liability car insurance plan covers the death or bodily injury of a third party caused by an accident, as well as losses to other people's property, but does not include damage to the insured's own vehicle or medical expenses.
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AIG Auto Insurance Coverage |
|
|
The third party dies or is injured. |
HK$100 million |
|
Third-party property loss |
HK$2 million |
In addition to providing the services of third-party liability insurance, AIG’s Comprehensive car insurance also provides compensation for personal accidents and the insured's own vehicle, as well as the personal accident of the policyholder and the driver registered under the policy. Besides windshield refund and claim services, it also provides lost key protection. If the insured car is no more than 3 years old, it can also enjoy depreciation-free repair parts service.
AIG's comprehensive auto insurance policy's "NCD Protection" provides a safety net: as long as the claims within a year do not exceed HK$50,000 or 15% of the insured amount, the original No Claim Discount (NCD) can be retained.
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Comparison of general car insurance and AIG comprehensive insurance with no-claim discount coverage (private car) |
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|
No-claim period |
Typical car insurance discount levels |
AIG’s comprehensive auto insurance |
|
Less than a year |
0% |
0% |
|
One year |
20% |
20% |
|
Two consecutive years |
30% |
30% |
|
Three consecutive years |
40% |
40% |
|
Four consecutive years |
50% |
50% |
|
Five consecutive years or more |
60% |
60% |
|
No-claim discount protection |
HK$50,000 to HK$60,000 per year |
HK$50,000 per year or 15% of the insured amount. |
*Applicable only to designated service providers
|
Third-party Insurance |
Comprehensive Insurance |
|
|
Third-party liability |
||
|
The third party dies or is injured. |
HK$100 million |
HK$100 million |
|
Third-party property loss |
HK$2 million |
HK$2 million |
|
Serve |
||
|
24-hour emergency roadside assistance |
✕ |
✓ |
|
24-hour free towing service |
✕ |
✓ |
|
Insured's own and vehicle accidents |
||
|
Damage to one's own car |
✕ |
Insured Amount |
|
Personal accident insurance |
Upgradeable personal accident insurance |
Upgradeable personal accident insurance |
|
Medical Security |
✕ |
✓ (Maximum $2,000) |
|
Windshield protection |
✕ |
No change required, maximum $4,000 |
|
repair |
||
|
First-year trade-in guarantee for new cars |
✕ |
✓ |
|
Zero-depreciation parts repair |
✕ |
✓ (Cars less than 3 years old) |
|
Other protections |
||
|
No-claim discount protection |
✕ |
✓ |
|
Lost car keys |
✕ |
✓ (Maximum $2,000) |
|
7-Day Car Rental Guarantee |
✕ |
$500/day |
For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HKD 250,000).
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,336 |
$5,205 |
|
|
$1,700 |
$5,210 |
|
|
$1,958 |
$3,677 |
|
|
$2,062 |
$5,428 |
|
|
$1,826 |
$3,977 |
|
|
$1,851 |
$4,776 |
*The above prices are for reference only as of June 22, 2026. All information is subject to the announcements of the relevant insurance companies.
For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HKD 300,000) in 2023.
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,092 |
$4,869 |
|
|
$1,700 |
$4,400 |
|
|
$2,888 |
$4,176 |
|
|
$2,062 |
$4,804 |
|
|
$5,470 |
$5,589 |
|
|
$1,851 |
$5,006 |
*The above prices are for reference only as of June 22, 2026. All information is subject to the announcements of the relevant insurance companies.
With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.
|
Insurance Company |
Self-insurance for vehicle damage |
No-claim discount protection |
Medical expense reimbursement |
Car rental/charter guarantee |
Automotive glass |
Lost car keys |
|
✓ |
$50,000 or 15% of the insured amount |
$2,000 |
$500/day |
Windshield (no change required) |
$2,000 |
|
|
✓ |
$60,000 or 15% of the insured amount |
✕ |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident) |
Windshield/Sunroof ($5,000) |
✕ |
|
|
✓ |
$60,000 or 20% of the insured amount |
$4,000 |
$4,000 per accident or per coverage period (maximum $1,000 per day) |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
$2,000 |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident). |
Windshield ($5,000) |
✕ |
|
|
✓ |
$100,000 |
$10,000 |
$1,000 per day, maximum 5 days |
Windshield/Window ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✓ |
Free shuttle service provided |
All car windows ($3,000) |
$10,000 |
*All information is subject to the announcements of the relevant insurance companies.
|
Insurance Company |
The third party dies or is injured. |
Third-party property loss |
24-hour emergency roadside assistance |
24-hour free towing |
|
$100 million |
$2 million |
Free referral |
Free referral |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✓ |
Up to $2,000 |
|
|
$100 million |
$2 million |
Up to $2,000 |
Up to $2,000 |
AIG Car insurance website provides real-time quotes for insurance plans. You can purchase insurance directly online. It also provides information on various car insurance, GBA SafeGuard Personal Accident Senior Care Insurance, Home Insurance, travel insurance, and general insurance products, as well as the latest promotional activities. Insured individuals can manage their insurance plans and submit insurance claims online.
Apart from Car insurance, AIG also offers upgraded personal accident coverage; there are also travel insurance, home Insurance and GBA SafeGuard Personal Accident Senior Care Insurance plans available for purchase.
To contact AIG Auto Insurance, please call the customer service hotline 3555 0000 during office hours (Monday to Friday, 9:00 a.m. to 5:30 p.m., excluding public holidays).
The insured may retain receipts, reports, or certificates issued by the relevant authorities and, within 14 days of the accident, notify AIG through the online claims platform or download a claim form to submit an application. Once AIG receives the application, it will begin the review and assessment process, as well as the claims process.
AIG car insurance does not provide HZMB car insurance.
To find out the latest AIG auto insurance offers, besides going to AIG’s official website for the latest information, you can also contact Kwiksure, which provides you with the latest car insurance deals and compares premiums from over 60 insurance companies.
Kwiksure has over 20 years of experience in the car insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free car insurance quote!
The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
Cassidy is a content creator at Kwiksure. She mainly writes about cars and travel. She has previously worked in advertising creation and online media editing. She loves writing and is keen on discovering the latest topics. She is committed to bringing fresh, interesting and practical information to readers.
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