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Is Liberty Car Insurance good? Liberty Car Insurance 2026 Review |Coverage & Features Comparison

Liberty利寶車保好唔好？ Liberty汽車保險2026評測 | 保障範圍及特色比較

Author

Eric Lau

Created On

2026-08-10

Edited On

2026-08-11

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Insurance

Each insurance company providesCar insuranceThe guarantees vary, so should we choose the right one? Kwiksure This guide will take you through an in-depth look at Liberty's 2026 auto insurance coverage and pricing, analyzing the advantages and disadvantages of Liberty's auto insurance to help you choose the most suitable car insurance plan.

Table of contents

Introduction to Liberty Mutual Insurance
Liberty Mutual Insurance Third-Party Insurance (Triple Coverage) Plan
Liberty Mutual Insurance Comprehensive Insurance (Full Coverage) Plan
Liberty Mutual Insurance Auto Insurance Coverage and Coverage Amount
Comparison of premiums for Liberty Mutual Insurance's comprehensive auto insurance and third-party insurance
Comparison of Liberty Mutual Insurance Auto Insurance Coverage
Advantages and disadvantages of Liberty Mutual Insurance's auto insurance
More information about Liberty Mutual Insurance
Frequently Asked Questions

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Introduction to Liberty Mutual Insurance

Liberty Mutual Insurance (Hong Kong) was formerly known as OTB Assurance Ltd. In 1973, Liberty Mutual acquired a 70% stake in the company and renamed it Liberty International Insurance Limited. Subsequently, in 2002, Liberty Mutual acquired the remaining 30% stake, making Liberty Mutual Hong Kong a wholly-owned subsidiary.

Currently, Liberty Mutual's main products in Hong Kong, in addition to auto insurance, also include home, medical, personal accident, and travel insurance. Among them, auto insurance is very diversified. In addition to third-party liability insurance and comprehensive auto insurance (i.e., full coverage) which are of most concern to car owners, Liberty Mutual also offers motorcycle insurance, premium auto insurance for supercars and luxury cars, Tesla insurance with premiums calculated based on mileage, and insurance for Hong Kong cars traveling north to mainland China.

Liberty Mutual Insurance Third-Party Insurance (Triple Coverage) Plan

Liberty Mutual InsuranceThird-Party Liability Insurance PlanThis coverage includes accidental death or bodily injury to a third party, as well as damage to the property of others, but excludes damage to the insured's own vehicle and medical expenses. In addition, Liberty Mutual Insurance's Auto Insurance provides the insured with 24-hour emergency services, towing, and windshield replacement services.

Liberty Mutual Insurance's Triple Protection
The third party dies or is injured.	HK$100 million
Third-party property loss	HK$2 million

Liberty Mutual Insurance Comprehensive Insurance (Full Coverage) Plan

Liberty Mutual InsuranceComprehensive Insurance Services PlanIn addition to providing third-party liability insurance, it also covers medical expenses for bodily injury caused by traffic accidents and repair costs for the insured's own vehicle caused by accidental damage or destruction. Other additional coverages include No Claims Discount (NCB Protector), temporary vehicle replacement, windshield protection, 24-hour roadside emergency assistance, and trade-in compensation (only applicable to brand new vehicles).

Liberty Mutual Insurance Comprehensive Insurance No-Claim Discount (NCD)

Liberty Mutual Insurance's comprehensive auto insurance "NCD Protection" allows coverage for claims not exceeding HK$60,000 or 15% of the insured amount within one year, while retaining the original coverage.No-claim discount (NCD)。

Comparison of general comprehensive car insurance and Liberty Mutual Insurance's comprehensive car insurance with no-claim discount coverage (private car)
No-claim period	Typical car insurance discount levels	Liberty Mutual Insurance Comprehensive Plan Discount Levels
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	60%	60%
No-claim discount protection	HK$50,000 to HK$60,000 per year	HK$60,000 or 15% of the insured amount

*Applicable only to designated service providers

Liberty Mutual Insurance Auto Insurance Coverage and Coverage Amount

Insurance Plan	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	✖	✔
Recovery services	✖	✔
Insured's own and vehicle accidents
Damage to one's own car	✖	✔
Personal accident	✖	✔
Medical expense reimbursement	✖	✔
Windshield/Sunroof Protection	✖	$5,000
repair
New replacement guarantee	✖	✔ (Applicable to brand new cars)
Other protections
No-claim discount protection	✖	✔
Temporary replacement vehicle	✖	✔

Comparison of premiums for Liberty Mutual Insurance's comprehensive auto insurance and third-party insurance

Example 1: Gasoline seven-seater vehicle

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
Liberty Mutual Insurance Auto Insurance	$1,800	$5,200
Ping An Insurance (Hong Kong)	$1,643	$4,228
Allianz Auto Insurance	$1,825	$3,977
bolttech (FWD Smart Driving Plus)	$2,062	$5,933
AXA iMotor	$1,958	$3,677
Dah Sing Bank	$1,700	$5,210
AIG Auto Insurance	$2,336	$5,709

*The above prices are for reference only as of August 10, 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 2025.

Insurance Company	Third-party Insurance	Comprehensive Insurance
Liberty Mutual Insurance Auto Insurance	$2,800	$8,500
Ping An Insurance (Hong Kong)	$1,643	$4,430
Allianz Auto Insurance	$5,470	$5,588
bolttech (FWD Smart Driving Plus)	$2,062	$5,690
AXA iMotor	$1,897	$2,541
Dah Sing Bank	$1,700	$4,760
AIG Auto Insurance	$2,091	$5,486

*The above prices are for reference only as of August 10, 2026. All information is subject to the announcements of the relevant insurance companies.

Kwiksure Over 25 years of exclusive operationInsurance PlanBased on experience, we compared premiums from over 60 insurance companies to find exceptionally low premiums for comprehensive and triple coverage.

Comparison of Liberty Mutual Insurance Auto Insurance Coverage

Comprehensive auto insurance (full coverage)

Insurance Company	Self-insurance for vehicle damage	No-claim discount protection	Medical expense reimbursement	Car rental/charter guarantee	Automotive glass	Lost car keys
Liberty Mutual Insurance Auto Insurance	✔	$60,000 or 15% of the insured amount	✔	✔	Windshield/Sunroof ($5,000)	✖
Ping An Insurance (Hong Kong)	✔	$60,000 or 15% of the insured amount	✔	$1,000, maximum $5,000	All car windows ($3,000)	$10,000
Allianz Auto Insurance	✔	$100,000	$10,000	$1,000 per day, maximum 5 days	Windshield/Window ($5,000)	✖
bolttech (FWD Smart Driving 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)	✖
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)	✖
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)	✖
AIG Auto Insurance	✔	$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.

Third-party liability insurance for automobiles (three-insurance)

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

*All information is subject to the announcements of the relevant insurance companies.

Advantages and disadvantages of Liberty Mutual Insurance's auto insurance

Advantages

Exclusive insurance policies are offered for electric vehicles (such as InsureMyTesla), which, in addition to common comprehensive insurance coverage, also cover home charging stations and related third-party liability, and offer flexible premium options based on mileage.
It offers a one-stop insurance service for Hong Kong vehicles traveling to the mainland, which can simultaneously cover both mainland "compulsory traffic accident liability insurance" and "commercial insurance" without the need to purchase separate insurance from mainland insurance companies.
The full coverage includes 24-hour roadside assistance, towing service, free windshield and sunroof protection, and provides NCD (No Claims Discount) protection.
An online vehicle claim platform is available, allowing users to report accidents and upload documents online, thus shortening the claim review time.

shortcomings

We do not provide direct quotes; you must inquire about premiums through an insurance agent, partner broker, or authorized consultant.
There is a lack of online information, making it difficult to understand the details of each insurance program.

More information about Liberty Mutual Insurance

Liberty Mutual Insurance offers auto insurance, which policyholders can purchase directly through their website. Insurance claims also offers other insurance products, including home (employer insurance), personal accident, and travel insurance.

Frequently Asked Questions

Does Liberty Mutual Insurance offer 24-hour towing service for vehicles?

Yes. But only for limited purposes. Comprehensive insurance According to the plan, Liberty Mutual Insurance will provide 24-hour emergency roadside assistance and towing services for its vehicles.

How do I file a claim with Liberty Mutual Insurance's Auto Insurance?

First, you need to report the incident to the police immediately, collect all photos and information related to the accident and the people involved, and start the compensation process on the official website within 14 days after the accident. Submit a claim you will then receive a confirmation email. Please submit the required documents or information in the confirmation email as soon as possible. Liberty Mutual Insurance will notify you immediately after the approval is completed.

How can I get a quote for Liberty Mutual Insurance's auto insurance?

Liberty Mutual Insurance car insuranceNoTo receive an instant online quote, you need to fill in your personal information on the Liberty Mutual website and wait for a reply; Also Kwiksure provide real-time quotes and insurance coverage.

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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

Eric Lau

Eric is a content creator for Kwiksure, responsible for writing articles on various topics such as cars, travel, domestic helpers, etc., striving to provide readers with detailed and practical information.

With over 20 years of experience in the media industry and driving, Eric has worked for several newspapers, magazines, and online media outlets. Apart from his passion for writing, he also enjoys the pleasure that driving brings. On average, he drives over 40,000 kilometers per year.

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