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[Is AIG Car Insurance Good?] Car Insurance 2026 Review |Coverage and Features Comparison

Author

Cassidy Wong

Created On

2026-06-23

Edited On

2026-06-24

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Insurance

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.

Table of contents

AIG Auto Insurance Introduction
AIG Third-Party Liability Insurance Plan
AIG Comprehensive Auto Insurance Plan
AIG Auto Insurance Coverage and Coverage Amount
Comparison of premiums for AIG's comprehensive and Third-party Insurance policies
AIG Auto Insurance Coverage Comparison
Advantages and disadvantages of AIG car insurance
More AIG Auto Insurance information
Other AIG insurance
Frequently Asked Questions

比較全港逾60間保險公司報價，快而保汽車保險中介為你挑選最符合你要求的車保，立即報價！

AIG Auto Insurance Introduction

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 Third-Party Liability Insurance Plan

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.

AIG Auto Insurance Coverage
The third party dies or is injured.	HK$100 million
Third-party property loss	HK$2 million

AIG Comprehensive Auto Insurance Plan

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 Car Insurance Comprehensive Insurance No Claims Discount Coverage (NCD)

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.

Comparison of general car insurance and AIG comprehensive insurance with no-claim discount coverage (private car)
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

AIG Auto Insurance Coverage and Coverage Amount

	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

Comparison of premiums for AIG's comprehensive and Third-party Insurance policies

Example 1: Seven-seater gasoline car

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
AIG Auto Insurance	$2,336	$5,205
Dah Sing Bank	$1,700	$5,210
AXA iMotor	$1,958	$3,677
bolttech (MotorSmart Plus)	$2,062	$5,428
Allianz Auto Insurance	$1,826	$3,977
Ping An Insurance (Hong Kong)	$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.

Example 2: Electric vehicle

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
AIG Auto Insurance	$2,092	$4,869
Dah Sing Bank	$1,700	$4,400
AXA iMotor	$2,888	$4,176
bolttech (MotorSmart Plus)	$2,062	$4,804
Allianz Auto Insurance	$5,470	$5,589
Ping An Insurance (Hong Kong)	$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.

AIG Auto Insurance Coverage Comparison

Comprehensive auto insurance

Insurance Company	Self-insurance for vehicle damage	No-claim discount protection	Medical expense reimbursement	Car rental/charter guarantee	Automotive glass	Lost car keys
AIG Auto Insurance	✓	$50,000 or 15% of the insured amount	$2,000	$500/day	Windshield (no change required)	$2,000
Dah Sing Bank	✓	$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)	✕
AXA iMotor	✓	$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)	✕
bolttech (MotorSmart Plus)	✓	$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)	✕
Allianz Auto Insurance	✓	$100,000	$10,000	$1,000 per day, maximum 5 days	Windshield/Window ($5,000)	✕
Ping An Insurance (Hong Kong)	✓	$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.

Third-party liability insurance for automobiles

Insurance Company	The third party dies or is injured.	Third-party property loss	24-hour emergency roadside assistance	24-hour free towing
AIG Auto Insurance	$100 million	$2 million	Free referral	Free referral
Dah Sing Bank	$100 million	$2 million	✕	✕
AXA iMotor	$100 million	$2 million	✕	✕
bolttech (MotorSmart Plus)	$100 million	$2 million	✕	✕
Allianz Auto Insurance	$100 million	$2 million	✓	Up to $2,000
Ping An Insurance (Hong Kong)	$100 million	$2 million	Up to $2,000	Up to $2,000

Advantages and disadvantages of AIG car insurance

Advantages

If the insured vehicle is no more than 3 years old, it is eligible for repair parts service without depreciation.
Whether you opt for a three-insurance or comprehensive insurance plan, you can upgrade your personal accident coverage.
Lost car key protection
Windshields can enjoy free change and compensation services.

shortcomings

Although there is a $500/day temporary rental subsidy, the coverage is lower than that of other auto insurance plans.
It offers a no-claims discount protection safety net, but the HK$50,000 or 15% of the insured amount is relatively conservative compared to other auto insurance plans.
The three-insurance plan is relatively traditional, mainly covering personal injury and property loss to third parties, with very limited coverage for the vehicle itself.

More AIG Auto Insurance information

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.

Other AIG insurance

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.

Frequently Asked Questions

How can I contact AIG Insurance?

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).

How do I file a claim with AIG Insurance?

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.

Does AIG offer HZMB car insurance?

AIG car insurance does not provide HZMB car insurance.

How can I find out the latest offers on AIG 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.

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Contact Kwiksure to get motor insurance quotes

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.

Author

Cassidy Wong

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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