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Comparison of Key Coverage Items for Car Insurance
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)
MotorSmart Plus Insurance 

BOCGI
Motor Insurance - Private Car 
AIG Car Insurance
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
/ /
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)


HK$5,678.41

HK$12,486.53

 (Based on a 2022 Telsa Model 3, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%)

💰Exclusive 20% off
HK$3,147.44
(Original price :HK$3,934.3)

 

 

 
立即申請-Apply now
立即報價-Apply now
立即報價-Apply now
立即報價-Apply now
   
 
 
Comparison of Key Coverage Items for Car Insurance  
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


✔️24 House Free Towing Service

✔️ Free referral services: Temporary replacement vehicle


✔️24-hour roadside assistance


✔️24-hour towing service.

✔️ Free referral services: Temporary replacement vehicle


✔️24-hour roadside assistance


✔️24-hour towing service

/

/

/

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)


HK$3,006.02

 

 

 

HK$12,486.53

 (Based on a 2022 Telsa Model 3, a 35-year-old owner with 5 years of driving experience, and a NCD of 60%)

 

💰Exclusive 10% off
HK$1,713.04
(Original price:HK$1,897,04)

+
Free 3-month Deliveroo Plus Silver Membership*

 

 

 
立即申請-Apply now

立即報價-Apply now
立即報價-Apply now
立即報價-Apply now


 
 

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Car insurance explained

Compare car insurance quotes at a glance,
save time and money

MH_CAR INS

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.

image-1
image-1-1

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.

 

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.
image-1-1

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.

 

image-2

Types of Car Insurance

Choose a type that suits your budget and needs.
Basic Cover
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.
image_b2
Comprehensive Cover
Comprehensive car insurance
Coverage for repair expenses for car damage, personal accident, and medical expenses, plus third-party insurance and additional coverages.
image_b3
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
letter-p
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.
discount
No Claim Discount (NCD)
Save up to 60% off on your premium if you've never made a claim.
money-bag
Excess
Higher excess may lower your premium but you may end up paying more out of your own pocket when accident happens.
medical-insurance
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.

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Have questions?
We've got you covered!

What are the things to consider when buying car insurance?

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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?

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  • 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?

expand_more
  • 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?

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Car insurance premiums are affected by the policyholder's age and driving experience. For example, younger car owners usually pay higher premiums for the same model. The main reason is that the probationary driving licence holder does not have enough driving experience, and there is no no-claim discount so that the premium would be higher. The probationary driving licence holder should also pay attention to the deductible amount of the car insurance (commonly known as deductible), which refers to the amount that the insured needs to pay for each insurance claim. Generally, drivers under the age of 25 or drivers with less than 2 years of driving experience are required to pay an additional deductible when claiming. If you are a new car owner, it is recommended to purchase comprehensive car insurance for comprehensive coverage.

What happens to my car insurance if I am selling my car?

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If you've decided to sell your car and plan to buy a new car, you may cancel your existing car insurance and get a pro-rata refund when you buy car insurance for your new car. However, if you have no plans to acquire a new car, you will need to contact your insurer to cancel your policy.

Will selling my car affect my NCD?

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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?

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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?

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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?

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You may call +852 3018 9760 or email us at cs.insurance@moneyhero.com.hk

Can I cancel a car insurance policy?

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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?

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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.