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

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'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.

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.

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).

*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.

Comprehensive auto insurance

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

Third-party liability insurance for automobiles

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.

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.

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.