Compare Best Car Insurance in Hong Kong

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Please input the estimated current value of your car.


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Why Choose MoneyHero?

Car Insurance for New Cars, Pre-Owned Cars and Renewals

Compare and Buy - Best Price Guarantee!

Free Personal Accident Cover underwritten

by Zurich Life Insurance (Hong Kong) Limited upon successful application

Please input the estimated current value of your car.


This is different from purchase price of your vehicle, you can search for your car’s current market value on a search engine.



Why Choose MoneyHero?

Car Insurance for New Cars, Pre-Owned Cars and Renewals

Compare and Buy - Best Price Guarantee!

Free Personal Accident Cover underwritten by Zurich Life Insurance (Hong Kong) Limited upon successful application


Car insurance explained

Compare car insurance quotes at a glance,

save time and money

What is Car Insurance?

Car insurance provides financial protection against your and third parties' loss or damage caused by accident. It may cover the cost of repairing your car, medical expenses, personal injury or death, and property damage. Coverage varies from policy to policy.

Types of Car Insurance

According to Section 4 of Cap. 272 Motor Vehicles Insurance (Third Party Risks) Ordinance, all users of motor vehicles are required to be insured against third party risks as a form of basic protection.


Third party liability insurance: The most basic car insurance policy, which covers claims against you for third-party bodily injury, death, or property damage, including legal costs. However, it does not cover the cost of damage to your own car.


Comprehensive car insurance: It includes third-party liability insurance and repair expenses for accidental damage to your car with additional coverage such as free towing, 24-hour emergency assistance, personal accident, and medical expenses.

How to compare car insurance?

Read the insurance policy's coverage first and pay attention to whether the policy provides coverages for car damage, personal accident protection, third party property damage, personal injury, or death.


It would be best if you also consider premium, sum insured, and excess. You may compare car insurance quotes from different insurers in one go through MoneyHero, helping you select the one best suits your needs and wants.

Types of Car Insurance

Choose a type that suits your budget and needs.

BASIC COVER

Third Party Liability Insurance

Coverage for accidents which cause injury or death to a third party, plus damage to others’ property. Damage to your car is not covered.

COMPREHENSIVE COVER

Comprehensive car insurance

Enjoy the same level of coverage from trusted brands, at the lowest prices in Singapore.

AGAINST A RAINY DAY

Advanced Coverage

Some policies provide additional services, such as 24-hour emergency roadside assistance and free towing services, car parts coverage, temporary car replacement, etc.

Handy car insurance tips

Pay attention to the following points before buying car insurance

Probationary Driving Licence

If you are under 25 years old or have less than 2 years of driving experience, you are required to pay an additional excess at the time of claim.

No Claim Discount (NCD)

Save up to 60% off on your premium if you've never made a claim.

Excess

Higher excess may lower your premium but you may end up paying more out of your own pocket when accident happens.

Additional Coverage

In addition to general property damage coverage, some insurers offer additional coverage options. You may choose the best additional coverage based on your needs.

Latest Car Insurance News

Read the latest news about Car Insurance products in MoneyHero

Car Insurance | Which Plan is the Best? 5 Key Factors Affect the Cost of Car InsuranceBlog cover

Which is the cheapest car insurance in 2022? MoneyHero helps you compare car insurances offered by Allianz, Zurich, bolttech, AIG, and Ping An. We also explain the 5 key factors that affect the cost of “third party” and “comprehensive car insurance”!

No Claim Discount (NCD/NCB) | How to Calculate NCD and Lower Car Insurance Premium

What exactly is NCD? Is it the same as NCB? MoneyHero answers the questions in the following article, and explains how NCD is calculated and how it affects your car insurance premium!

2022 Car Licence Fee Overview | Licence Fee, Renewal Procedure & Document

How much is the car licence renewal fee? MoneyHero has prepared a guide for applying for different vehicle licences, an overview of renewal fees, procedures and documents required, etc.

Car Examination: How much? What are the Documents Required+Points to Note for Licence Renewal

All cars that have been licensed for 6 years must be examined once a year, and car owners can only apply for a car license renewal after passing the examination, while a copy of the valid car insurance policy/cover note is needed to apply for a car license renewal. MoneyHero is here to explain the examination process and things you need to pay attention to.

Have questions?

We’ve got you covered!

What are the things to consider when buying car insurance?
What should I do when an accident happens?
How to get cheap car insurance?
Which car insurance policy is the best for new driver or probationary driving license holder?
What happens to my car insurance if I am selling my car?
Will selling my car affect my NCD?
If I want to add a named driver to my car insurance, do I need to pay extra?
When should I start shopping for car insurance?
How to renew a policy?
Can I cancel a car insurance policy?
I want to cancel my car insurance policy, can I get my premium back?

Not sure about the meanings of these car insurance terms?

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Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

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