Each insurance company offers different types of car insurance coverage — so which one should you choose? Kwiksure takes you through a detailed look at Dah Sing’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of Dah Sing Car insurance to help you find the most suitable policy.
Dah Sing Insurance is a wholly-owned subsidiary of Dah Sing Financial Group Limited. Since 1976, the group has provided general insurance plans to bank clients and business partners, including comprehensive personal and commercial insurance coverage and services. Products such as Car insurance, Commercial vehicle insurance, Medical Insurance, Home insurance, Online Shopping Insurance, and Travel insurance are available in all regions.
Dah Sing Car Insurance offers discounts from time to time and provides online quotes, policy management, and claims support.
Third-party liability insurance plans of Dah Sing Car Insurance cover the death or bodily injury of a third party caused by an accident, as well as losses to other people's property, but do not include damage to the insured's own vehicle or medical expenses.
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Dah Sing Car Insurance Third-Party Liability Coverage |
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The third party dies or is injured. |
HK$100 million |
|
Third-party property loss |
HK$2 million |
In addition to providing third-party liability insurance coverage, Comprehensive insurance of Dah Sing Car Insurance also provides compensation for personal accidents and the personal vehicles of the policyholder and the driver registered under the policy. The windshield protection also includes the sunroof. If the insured vehicle unfortunately experiences mechanical failure or an accident, the taxi fare to the residence or the original destination can also be reimbursed after towing service is arranged.
The "No Claim Discount Protection" of Dah Sing Car Insurance provides a safety net: as long as the claims within a year do not exceed HK$60,000 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 Dah Sing comprehensive insurance with no-claim discount coverage (private car) |
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No claim period |
Typical car insurance discount levels |
Dah Sing Car Insurance Comprehensive Coverage |
|
Less than a year |
0% |
0% |
|
One year |
20% |
20% |
|
For 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$60,000 per year or 15% of the insured amount. |
*Applicable only to designated service providers
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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 |
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24-hour emergency roadside assistance |
✕ |
✓ |
|
24-hour free towing service |
✕ |
✓ (Maximum $2,000) |
|
Insured's own and vehicle accidents |
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Damage to one's own car |
✕ |
Compensation will be paid for the specified insured amount or market value. |
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Personal accident |
✕ |
HK$100,000 |
|
Medical expense reimbursement |
✕ |
✓ (Maximum $5,000) |
|
Windshield protection |
✕ |
HK$5,000, excluding deductible. |
|
Additional protection for electric vehicles |
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Charging station damage protection |
✕ |
✓ |
|
Public responsibility protection for electric vehicle charging equipment |
Tesla electric vehicles: HK$100 million |
Tesla electric vehicles: HK$100 million |
|
repair |
||
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Trade-in guarantee |
✕ |
✓ (Loss suffered within 12 months of the insured vehicle's initial registration with the Hong Kong Transport Department) |
|
Zero-depreciation parts repair |
✕ |
✓ |
|
Other protections |
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No-claim discount protection |
✕ |
✓ |
|
Claim recovery services |
✕ |
✓ |
|
Temporary replacement vehicle |
✕ |
✓ (80% of rent, daily cap $1,000, maximum $5,000 per incident) |
|
Taxi service (within Hong Kong) due to mechanical failure or accident |
✕ |
✓ (After arranging towing service, pay the taxi fare to your accommodation or original destination) |
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 |
tdird-party Insurance |
Comprehensive Insurance |
|
$1,700 |
$5,210 |
|
|
$2,029 |
$3,831 |
|
|
$2,062 |
$5,091 |
|
|
$1,826 |
$3,977 |
|
|
$1,935 |
$4,776 |
|
|
$2,336 |
$5,205 |
*The above prices are for reference only as of April 27, 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.
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Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$1,700 |
$4,680 |
|
|
$2,888 |
$4,176 |
|
|
$2,062 |
$4,583 |
|
|
$5,470 |
$4,890 |
|
|
$1,803 |
$4,864 |
|
|
$2,092 |
$4,455 |
*The above prices are for reference only as of April 27, 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 |
|
✓ |
$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 replacement vehicle provided |
All car windows ($3,000) |
$10,000 |
|
|
✓ |
$50,000 or 15% of the insured amount |
$2,000 |
$500/day |
Windshield (no change required) |
$2,000 |
*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 |
✕ |
✕ |
|
|
$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 |
|
|
$100 million |
$2 million |
Free referral |
Free referral |
Dah Sing’s Car insurance website provides real-time quotes for insurance plans. You can purchase insurance directly online. It also provides information on various Travel insurance, Home Insurance, Online Shopping Insurance, Commercial vehicle insurance, and general insurance products, as well as the latest promotional activities. Insured individuals can manage their policies and Insurance claims through the website.
Apart from Car insurance, Dah Sing Insurance also offers optional extended coverage for vehicle damage within Guangdong Province, China; there are also Medical Insurance, Home Insurance, Online Shopping Insurance, and Travel insurance available for purchase.
To contact Dah Sing Auto Insurance, please call the customer service hotline 2808 5000 during office hours (Monday to Friday, 9:00 a.m. to 5:45 p.m., excluding public holidays).
The insured may retain receipts, reports, or proof documents issued by relevant institutions and submit their claim via the Dah Sing online claims platform or by downloading and submitting a claim form before the claim submission deadline.
If the insured vehicle can enter Guangdong Province, you may consider purchasing additional vehicle damage insurance within Guangdong Province, China. However, the coverage only covers damage to the vehicle body, and the insured must arrange relevant insurance applicable within China, including third-party liability insurance.
Applicants and drivers must hold a Hong Kong identity card, be between 25 and 65 years old, have more than 2 years of driving experience, have accumulated no more than 8 points for traffic violations in the past 3 years, have not been prosecuted by the police for violating traffic regulations, and have not filed any claims or accident records.
To find out the latest offers on Dah Sing Auto Insurance, besides going to Dah Sing Official Website, 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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