Each insurance company offers different types of car insurance coverage — so which one should you choose? Kwiksure takes you through a detailed look at Zurich’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of Zurich car insurance to help you find the most suitable policy.
Zurich Insurance (Hong Kong) has been providing services since 1961 and is an entity under the Zurich Insurance Group. The group provides general and life insurance services to individual, business, and corporate clients. With over 150 years of history, the group serves more than 75 million customers in over 200 countries and regions worldwide.
Zurich Car Insurance "Motorplus" supports online platform management of policies and claims, and includes cashless repairs. By choosing an authorized repair shop in Zurich to repair the insured vehicle, you can receive charge-free repair or replacement services with no deductible.
Third-party liability insurance of Zurich "Motorplus" plans 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.
|
Zurich Automotive Three-Warranty Coverage |
|
|
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, Zurich’s Comprehensive Insurance also provides compensation for personal accidents and the personal vehicle of the policyholder and the driver registered under the policy, as well as windshield protection; if you choose a designated car repair shop of the "Zurich Garage-Pro Services", you can also get repair services with no deductible and no change.
Zurich's comprehensive auto insurance policy's "NCD Protection" provides a safety net: as long as the number of claims within a year does not exceed HK$50,000, the original NCD discount can be retained.
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Comparison of general car insurance and Zurich comprehensive insurance with no-claim discount coverage (private car) |
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|
No-claim period |
Typical car insurance discount levels |
Zurich full coverage discount levels |
|
Less than a year |
0% |
0% |
|
One year |
20% |
30% |
|
For two consecutive years |
30% |
35% |
|
Three consecutive years |
40% |
45% |
|
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 |
*Applicable only to designated service providers
Even if the claim amount exceeds the safety net, the no-claim discount reduction rate for Zurich comprehensive insurance is lower than the NCD reduction rate for general car insurance.
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Comparison of general car insurance and Zurich comprehensive insurance NCD deduction mechanism (private car) |
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|
Typical car insurance NCD deduction |
Zurich NCD Reduction |
|
0% -> 0% |
0% -> 0% |
|
20% -> 0% |
30% -> 0% |
|
30% -> 0% |
35% -> 0% |
|
40% -> 0% |
45% -> 0% |
|
50% -> 20% |
50% -> 30% |
|
60% -> 30% |
60% -> 35% |
*Applicable only to designated service providers
|
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 |
✕ |
✓ (Maximum $2,000) |
|
Insured's own and vehicle accidents |
||
|
Damage to one's own car |
✕ |
Reasonable market value at the time of loss/damage |
|
Personal accident |
✕ |
HK$100,000 |
|
Medical expense reimbursement |
✕ |
✓ (Maximum $4,000) |
|
Windshield protection |
✕ |
✓ (Designated car repair shop) |
|
Additional protection for electric vehicles |
||
|
Charging station damage protection |
✕ |
✓ |
|
EV charger third-party liability |
✕ |
Up to HK$20 million per accident |
|
Advanced driver assistance technology coverage |
✓ (cover the damage arouse from third party liability only) |
✓ |
|
repair |
||
|
Trade-in guarantee |
✕ |
✓ |
|
Other protections |
||
|
No-claim discount protection |
✕ |
✓ |
|
Claim recovery services |
✕ |
✓ |
|
Temporary replacement vehicle |
✕ |
✓ (Maximum $4,000, insured person is responsible for 20% / maximum $2,000 taxi fare) |
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 |
|
$3,619 |
$7,000 |
|
|
$2,029 |
$3,831 |
|
|
$2,062 |
$5,091 |
|
|
$1,826 |
$3,977 |
|
|
$1,803 |
$4,776 |
|
|
$1,700 |
$5,210 |
|
|
$2,336 |
$5,205 |
*The above prices are for reference only as of April 21, 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.
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,826 |
$7,350 |
|
|
$2,888 |
$4,176 |
|
|
$2,062 |
$4,583 |
|
|
$5,470 |
$4,890 |
|
|
$1,851 |
$5,006 |
|
|
$1,700 |
$4,680 |
|
|
$2,092 |
$4,455 |
*The above prices are for reference only as of April 21, 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 |
|
✓ |
$50,000 |
$5,000 |
Maximum $4,000, insured person is responsible for 20% / maximum $2,000 taxi fare) |
Windshield (front windshield, designated auto repair shop) |
✕ |
|
|
✓ |
$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 shuttle service provided |
All car windows ($3,000) |
$10,000 |
|
|
✓ |
$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) |
✕ |
|
|
✓ |
$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 |
Free referral |
Free referral |
|
|
$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 |
✕ |
✕ |
|
|
$100 million |
$2 million |
Free referral |
Free referral |
*All information is subject to the announcements of the relevant insurance companies.
Vehicles covered by the Zurich online repair service can receive free repair or replacement services with no out-of-pocket expense.
The no-claims discount for the first three years is higher than that for regular car insurance.
The amount of third-party property damage compensation can be selected from $2 million to $10 million, depending on individual needs.
Comprehensive post-accident protection includes personal injury and death insurance, emergency repair and towing services, and temporary replacement vehicle rental subsidies.
Although there is a temporary rental subsidy of up to $4,000, car owners are required to pay 20% of the rental fee.
Third-party liability insurance only covers 24-hour emergency roadside assistance and free towing and referral services.
Online real-time quotes are not supported; drivers need to fill out a form and leave their personal information to inquire about and obtain a quote.
Windshield protection only covers the front windshield.
Zurich’s Car insurance website provides detailed information for insurance plans. You can fill out forms to check car insurance quotes and file claims. It also provides information on various travel, home, domestic helper, life, and other insurance products, as well as the latest promotional activities. Insured individuals can handle various insurance needs through the OneZurich Customer Online Service Platform.
Apart from the car insurance "Motorplus", Zurich Insurance also provides Northbound Travel protection for Hong Kong Vehicles and Guarantee and Protection for the Self-drive Tour Scheme. There are also various home, travel, and general insurance products available for real-time quotes and purchase.
To get a car insurance quote in Zurich, you can fill out the form and leave your contact information in Official website. A representative will reply within two business days.
To contact Zurich car insurance, you can do so through the OneZurich online service platform, fill in the query table in Official website, or send messages via WhatsApp.
The insured can fill out the form in the OneZurich online service platform or on the Official website. The applicant should upload all supporting documents to file a claim online. Zurich will then begin the review and assessment process and initiate the claims procedure upon receiving the application.
The insured can use "Zurich Garage-Pro Services" to find a car repair shop, then provide the policy number, vehicle registration number, and identification documents to verify the scope of insurance coverage. You can then choose to have your windshield repaired by the original or aftermarket manufacturer. However, you will need to pay for any repair costs that exceed the policy limit yourself.
To find out the latest AXA auto insurance offers, besides going to Zurich’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.
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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