›Insurance Guide›[Is MSIG car insurance good?] Auto Insurance 2026 Review |Coverage and Features Comparison
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[Is MSIG car insurance good?] Auto Insurance 2026 Review |Coverage and Features Comparison

【MSIG三井住友車保好唔好？】汽車保險2026評測｜保障範圍及特色比較
Created On
2026-09-02
Edited On
2026-09-03
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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 MSIG’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of MSIG Car insurance to help you find the most suitable policy.

Table of contents
  • MSIG Car Insurance Introduction
  • MSIG Third-Party Liability Insurance Plan
  • MSIG Auto Insurance Comprehensive Plan
  • MSIG Auto Insurance Coverage and Coverage Amount
  • Comparison of premiums for MSIG's comprehensive and Third-party Insurance policies
  • MSIG Car Insurance Coverage Comparison
  • Advantages and disadvantages of MSIG Sumitomo Mitsui car insurance
  • More information on MSIG car insurance
  • Other MSIG Insurance
  • Frequently Asked Questions
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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！

MSIG Car Insurance Introduction

MSIG Insurance (Hong Kong) Limited established its business network in 1855. is a wholly owned subsidiary of Mitsui Sumitomo Insurance Company Limited and a member of the MS&AD Insurance Group. The Group operates in over 50 countries and regions worldwide and is one of Japan's major insurance companies, providing various types of insurance products, such as Private Motor Car insurance, Happy Tails® Pet Insurance, iHome with Domestic Helper Insurance, iTravel Go Travel insurance, Pleasure Craft Insurance, and SME Group Medical Insurance to individuals, families, and SMEs.

MSIG Auto Insurance offers discounts from time to time, and online claims are supported.

MSIG Third-Party Liability Insurance Plan

MSIG'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.

MSIG Insurance Automotive Third-Party Coverage

The third party dies or is injured.

HK$100 million

Third-party property loss

HK$2 million

MSIG Auto Insurance Comprehensive Plan

In addition to providing third-party liability insurance, MSIG Comprehensive Car insurance also provides compensation for personal accidents and personal vehicles of the policyholder and the driver registered under the policy, and includes windshield protection and backup vehicle service.

MSIG Auto Insurance Comprehensive Insurance No-Claim Discount Coverage (NCD)

MSIG Auto Comprehensive Insurance policy's "NCD Protection" 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.

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

No-claim period

Typical car insurance discount levels

MSIG’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$60,000 per year or 15% of the insured amount.

*Applicable only to designated service providers

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！

MSIG 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

✕

HK$100,000

Medical Security

✕

✓ (Maximum $5,000)

Windshield protection

✕

✓ (Maximum $5,000)

repair

First-year trade-in guarantee for new cars

✕

✓

Other protections

No-claim discount protection

✕

✓

Backup vehicle service

✕

✓

Comparison of premiums for MSIG'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

MSIG Auto Insurance

$1,700

$3,900

AIG Auto Insurance

$2,336

$5,204

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

$4,824

*The above prices are for reference only as of September 1, 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

MSIG Auto Insurance

$2,300

$5,700

AIG Auto Insurance

$2,091

$4,455

Dah Sing Bank

$1,700

$4,760

AXA iMotor

$2,888

$4,176

bolttech (MotorSmart Plus)

$2,000

$3,945

Allianz Auto Insurance

$2,654

$4,657

Ping An Insurance (Hong Kong)

$1,803

$4,912

*The above prices are for reference only as of September 1, 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.

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！

MSIG Car 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

MSIG Auto Insurance

✓

$60,000 or 15% of the insured amount

$5,000

Backup vehicle service

Windshield ($5,000)

✕

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 replacement vehicle 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

MSIG Auto Insurance

$100 million

$2 million

✕

✕

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 MSIG Sumitomo Mitsui car insurance

Advantages

  • The comprehensive insurance offers all-around coverage, including 24-hour emergency roadside assistance, personal accident insurance for the vehicle, medical expense coverage, backup vehicle service, and trade-in coverage.
  • Windshields are exempt from deductible compensation.
  • A no-claim discount is provided as a safety net; even if a claim is made during the policy term, the original no-claim discount will be retained as long as it does not exceed the annual limit.

shortcomings

  • Do not provide direct quotes; you must inquire about premiums through an insurance agent, partner broker, or authorized advisor.
  • Insufficient online information makes it difficult to understand the details of each insurance program.
  • 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 information on MSIG car insurance

MSIG Car insurance website provides detailed information on insurance plans; you can fill out a form to check car insurance quotes and request product information. It also provides information on various Auto Insurance, Happy Tails® Pet Insurance, iHome with Domestic Helper Insurance, iTravel Go Travel insurance, and general insurance products, as well as the latest promotional activities. Insured individuals can submit claims and access claim progress online.

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！

Other MSIG Insurance

Apart from Car insurance, MSIG also provides HZMB Hong Kong Cross Border Motor Vehicle Insurance; there are also Happy Tails® Pet Insurance, iHome with Domestic Helper Insurance, and Pleasure Craft Insurance plans available for purchase.

Frequently Asked Questions

How can I contact MSIG Auto Insurance?

To contact MSIG Auto Insurance, please call the customer service hotline at 3122 6922 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 MSIG Auto Insurance?

The insured may retain receipts, reports, or certificates issued by the relevant authorities and, within 30 days of the accident, submit them to the MSIG ClaimMotor for review and approval. Upon receiving an application, MSIG will begin its review and assessment and initiate the claims process. The insured can check the claim progress at any time.

Does MSIG offer HZMB car insurance?

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.

Cassidy Wong
Author
Cassidy Wong
View Author

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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