Comprehensive vs Third Party

Comprehensive
vs
Third Party

Comprehensive Coverage

Liability to Third Party

  • Death or physical injury to Third Party - Maximum : HKD100,000,000.00
  • Damage to Third Party's property - Maximum : HKD2,000,000.00

Insured Vehicle

  • The Insured Vehicle caused by accidental loss of or damage and requires repair costs

Medical Expenses

  • Physical injuries sustained by you / other Named Drivers in a car accident

Free Additional Benefit

  •   24-hour Emergency Service (Assistance Hotline)
  •   Personal Accident to the Named Driver(s)
  •   No Claim Discount (NCD) Protection
  •   New for Old Replacement -
      Applicable to brand new vehicle only
  •   Windscreen Replacement
  •   Towing Services
  •   Claims Recovery Service

Third Party Coverage

Liability to Third Party

  • Death or physical injury to Third Party - Maximum : HKD100,000,000.00
  • Damage to Third Party's property - Maximum : HKD2,000,000.00

Insured Vehicle

  • N / A

Medical Expenses

  • N / A

Free Additional Benefit ^

  •   24-hour Emergency Service (Assistance Hotline)
  •   Personal Accident to the Named Driver(s)
  •   No Claim Discount (NCD) Protection
  •   New for Old Replacement -
      Applicable to brand new vehicle only
  •   Windscreen Replacement
  •   Towing Services
  •   Claims Recovery Service
Comprehensive
Third Party

Liability to Third Party

  • Death or physical injury to Third Party - Maximum : HKD100,000,000.00
  • Damage to Third Party's property - Maximum : HKD2,000,000.00

Insured Vehicle

  • The Insured Vehicle caused by accidental loss of or damage and requires repair costs

Medical Expenses

  • Physical injuries sustained by you / other Named Drivers in a car accident

Free Additional Benefit


24-hour Emergency Service (Assistance Hotline) ^

Personal Accident to the Named Driver(s)

No Claim Discount (NCD) Protection

New for Old Replacement - Applicable to brand new vehicle only

Windscreen Replacement ^

Towing Services ^

Claims Recovery Service

^ Available on Third Party selected package

Instant Registration Mark Update Service


For all new applicants (without license plate), please click here to quick apply

* (The change of licence plate does not applicable for exiting policy amendment)


Policy Exclusions

主要不保事項

  • Commercial vehicle or vehicle for commercial use;
  • Accident happened out of HKSAR Region;
  • Ilegal driving or driving during license suspension;
  • Racing;
  • Dangerous driving, drunk driving, drug driving;
  • Diagnosis by doctor that one is not suitable for driving;
  • The insured vehicle is being driven by a person who is under 25 years of age or a person who has not held for a period of 2 years a driving license.

This is not a complete list of exclusions. Please read your policy or Certificate of Insurance carefully for a full listing of exclusions. If you have any questions please contact us for details.

Accident and Claims Handling

Accident and Claims Handling

  • Refrain from blaming or taking fault: Call the police and stay calm.
  • If you or other driver or passengers are injured, remain on scene and do not move your car until police arrive.
  • Without the prior written permission of China Ping An Insurance (Hong Kong) Co., Ltd, you are not allow to commit any compensation arrangement, otherwise you yourself have to shoulder your responsibility.
  • Please take note of the below information from other driver, for the claim of third party libility.
    1. Name(s) of Car Owner and Driver
    2. Contact Tel No. and Address
    3. Registration Mark of the vehicle;
    4. 保險公司名稱及保單號碼;
  • Report to Police within 24 hours.
  • if the accident was the fault of another driver, you must report to police within 10 days.
  • If you are involved in an auto collision, even if the accident was the fault of another driver, you must notify CHINA PING AN INSURANCE (HONG KONG) COMPANY LIMITED in written consent as soon as possible.
  • Without prior consent from CHINA PING AN INSURANCE (HONG KONG) COMPANY LIMITED, please do not carry out any repair work. (only applicable for Comprehensive)
  • forward and unanswer all correspondences from Third Party and/or courts/police summons to the Insurers for handling.
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