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Comprehensive
Insurance plan |
Allianz Private Car Insurance Plan |
Zurich Private Motor Car Insurance Plan |
Zurich Private Motor Car Insurance – Electric Vehicle |
bolttech Insurance (Previously known as FWD General Insurance Company Limited) |
BOCGI Motor Insurance - Private Car |
AIG Car Insurance |
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No Claim Discount Protection | Retain NCD if the claim made within one year does not exceed HK$100,000 | Retain NCD if the claim made within one year does not exceed HK$50,000 | Retain NCD if the claim made within one year does not exceed HK$50,000 | Retain NCD if the total amount claimed made within one year does not exceed HK$60,000 or 15% of estimated car value (whichever is the less) | Retain NCD if the total amount claimed made within one year does not exceed HK$60,000 or 15% of estimated car value | Retain NCD if the total amount claimed made within one year does not exceed HK$50,000 or 15% of estimated car value (whichever is the less) |
No Claims Discount | 20% in the first year of the policy, increasing by 10% every year thereafter, up to a maximum of 60% | 30% If the policy has been active for 1 year | 30% If the policy has been active for 1 year | 20% discount for the 2nd year, additional 10% discount from the 3rd year onwards, up to 60% after 5 or more consecutive years. | 20% discount for the 2nd year | 20% discount for the 2nd year |
Windscreen Protection |
Up to HK$5,000 (No excess limited and NCD won’t be affected) |
Up to HK$4,000 (No excess limited and NCD won’t be affected) |
Cashless windscreen repairing service | Up to HK$5,000 (no excess for the first HK$5,000 and NCD won’t be affected) |
Up to HK$5,000 (no excess for the first HK$5,000 and NCD won’t be affected) |
Up to HK$4,000 |
Named Driver Personal Accident Protection | Up to HK$250,000 | Up to HK$100,000 | Up to HK$100,000 | Up to HK$100,000 | Up to HK$100,000 | Up to HK$200,000 |
Accidental Medical Expenses | HK$10,000 | HK$5,000 | HK$5,000 | HK$2,000 | HK$10,000 | HK$2,000 |
Features | ✔️Replacement of private electric vehicle charger ✔️24-hour free towing service ✔️24-hour emergency roadside assistance ✔️Nil depreciation on repair ✔️New for old replacement protection (new cars only) ✔️Own Damage of the insured vehicle driving in Macau/Guangdong Province |
✔️24 Hour investigation commitment ✔️24 Hour free emergency roadside repair service ✔️24 Hour free towing service ✔️24 Hour traffic regulations & claims enquiry service |
✔️Up to three years new-for-old EV replacement and zero depreciation ✔️Advanced Technology Coverage ✔️Comprehensive Charging Protection ✔️Up to HK$20M Enhanced Charger Liability Coverage |
✔️Alternative Vehicle ✔️Hospital Cash $2,000 |
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Discounted price
(Based on a 2022 Honda Jazz, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%) |
💰10% off
HK$3,568.97
(Original price : HK$3,965.52) |
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HK$6,560.09 (Based on a 2022 Kia Soul EV, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%) |
💰Exclusive 20% off |
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MoneyHero Exclusive Offer
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Zurich Life HK$200,000 Free Personal Accident Protection: Get 1-year of free HK$200,000 personal accident coverage when you purchase a motor insurance policy. After completing your policy purchase and the "Reward Redemption Form", the registration link will be provided in your policy confirmation email. Follow the instructions to register through Zurich Life's platform, and you'll be enrolled in the accident protection plan. This exclusive offer is valid until December 31, 2024. See coverage details and terms & conditions. |
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*Terms and Conditions apply.
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Third Party Only
Insurance plan | Allianz Allianz Private Car Insurance Plan |
Zurich Private Motor Car Insurance Plan |
Zurich Private Motor Car Insurance – Electric Vehicle |
bolttech MotorSmart Plus Insurance (Previously known as FWD General Insurance Company Limited) |
BOCGI Motor Insurance - Private Car |
AIG Car Insurance |
---|---|---|---|---|---|---|
Third Party Property Damage | Up to HK$2,000,000 (Including property damage caused by direct use of private electric vehicle chargers) |
From HK$2,000,000 to HK$10,000,000 |
From HK$2,000,000 to HK$10,000,000 | Up to HK$2,000,000 | Up to HK$2,000,000 | Up to HK$2,000,000 |
Death or Injury to Third Party | Up to HK$100,000,000 | Up to HK$100,000,000 | Up to HK$100,000,000 | Up to HK$100,000,000 | Up to HK$100,000,000 | Up to HK$100,000,000 |
Features |
✔️24 Hour Emergency Roadside Assistance |
✔️ Free referral services: Temporary replacement vehicle
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✔️ Free referral services: Temporary replacement vehicle
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/ |
Discounted price
(Based on a 2022 Honda Jazz, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%) |
💰10% off
HK$1,894.83
(Original price: HK$2,105.37) |
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HK$3,391.63 (Based on a 2022 Kia Soul EV, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%)
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💰Exclusive 10% off + |
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*Terms and Conditions apply.
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Car insurance explained
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![MH_CAR INS MH_CAR INS](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/MH_CAR%20INS.png)
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.
![image-1 image-1](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image-1.png?width=1262&height=714&name=image-1.png)
![image-1-1 image-1-1](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/image-1-1.png)
Types of Car Insurance
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.
Types of Car Insurance
![image-1-1 image-1-1](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image-1-1.png?width=1262&height=714&name=image-1-1.png)
How to compare car insurance?
![image-2 image-2](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image-2.png?width=1262&height=714&name=image-2.png)
Types of Car Insurance
Choose a type that suits your budget and needs.
![Basic Cover](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image_b1.png?width=830&height=664&name=image_b1.png)
![image_b2](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image_b2.png?width=830&height=664&name=image_b2.png)
![image_b3](https://25174313.fs1.hubspotusercontent-eu1.net/hub/25174313/hubfs/image_b3.png?width=830&height=664&name=image_b3.png)
![letter-p](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/letter-p.png)
![discount](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/discount.png)
![money-bag](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/money-bag.png)
![medical-insurance](https://25174313.fs1.hubspotusercontent-eu1.net/hubfs/25174313/medical-insurance.png)
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Latest Car Insurance News
Read the latest news about Car Insurance products in MoneyHero
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Have questions?
We've got you covered!
What are the things to consider when buying car insurance?
Factors to consider
- Coverage
- The amount of excess you are willing to pay when the accident occurs
- Your No Claim Discount (NCB/NCD)
- Do you need a temporary surrogate car?
- Will anyone else drive the car
What should I do when an accident happens?
- Take photos of the scene of the incident, including the damage to your car and the other vehicles involved
- Do not move the vehicle if not necessary
- Obtain contact details from the third parties and witnesses, including name, license plate number, and model of the third party's vehicle, details of damage or injury to property, telephone number, and address
- File a claim with the insurer as soon as possible and submit the following required documents (the insurer may ask for more documents)
- Copies of driver's ID card and driver's licence
- Copies of vehicle registration documents (front and rear)
- Copies of police reports, deposition papers, and sketches of accidents
- Copy of the breath test result
- Color photos of the the scene of the accident
How to get cheap car insurance?
- Compare car insurance policies from major insurers online
- Drive safe and accumulate No Claim Discount (NCB/NCD)
- Choose a higher excess but make sure it is affordable
- Look for discount
Which car insurance policy is the best for new driver or probationary driving licence holder?
What happens to my car insurance if I am selling my car?
Will selling my car affect my NCD?
You may request your new insurer to transfer your NCD to the new car insurance policy. However, if you have no intention of acquiring and driving a new car for the time being, be aware that the NCD may expire in 1-2 years. If the NCD expires, you will not be able to enjoy the discount when purchasing a new car in the future. As major insurers have different ways to calculate NCD, you may check with MoneyHero or insurers directly.
If I want to add a named driver to my car insurance, do I need to pay extra?
Insurers usually allow up to four drivers to be added to a policy. Usually there is no charge for adding a second driver, but an additional charge is required for the third and fourth drivers. In most cases, the additional drivers have the same coverage.
All you need to do is enter the other driver's details when you purchase a car insurance. If the insurance is already in force, you may contact the insurer directly.
When should I start shopping for car insurance?
It takes time to find the right car insurance. You should compare different car insurance policies before you take possession of your car. When you purchase an insurance policy, you may choose the effective date of coverage. Therefore, you can definitely pre-purchase car insurance and set the effective date on the first day of driving your new car.
How to renew a policy?
You may call +852 3018 9760 or email us at cs.insurance@moneyhero.com.hk
Can I cancel a car insurance policy?
With enough notice, you may cancel your car insurance. To cancel your insurance, please get in touch with your insurer or MoneyHero.
I want to cancel my car insurance policy, can I get my premium back?
If your car insurance has expired, you may switch to car insurance offered by other insurers at any time without paying extra. However, if you want to cancel your car insurance before the renewal period, the insurer may only refund part of the premium.
If you ever claim, you will not get back any premium.