Coverage:

• Legal Liability for causing third party's death and/or bodily injury as stipulated by law


• Legal Liability for causing third party's property damage


• Loss of or Damage to your motor car and/or its accessories or spare parts


• Medical expenses incurred due to motor-car related accident up to $2,000


• No Claims Discount Protection:


Provided that you have had
• less than 2 claims within a policy year


• the total amount claimed in a year is less than HK$50,000 or 15% of the insured value whichever is the less you will still be entitled to your existing No Claim Discount at renewal



• 'New for Old' Replacement Vehicle, in the event of a claim for
  
  • total loss or
  
  
  • the vehicle being stolen,
  
  and
  
  • the vehicle is less than one year old
    we will compensate you with a new vehicle of the same make and model and with ZERO deduction for depreciation


• Free Windscreen Cover
  Where there is accidental damage to your windscreen, we will indemnify you up to the maximum amount of HK$4,000. There is no need for you
  
  • to pay any excess
  
  
  • your No Claim Discount will remain unaffected.

Special Additional Benefits:

• 24 Hour Traffic Regulation Assistance
  At you service we put a 24-Hour hotline on any information regarding Hong Kong traffic regulations.


• 24 Hour General Claims Assistance and Enquiry
  Our claims enquiry service hotline is available 24 hours a day to advise you on any questions you may have on claims procedures and to record claims.
  
• 24-Hour Emergency Roadside Assistance*
  In case of a mechanical breakdown or an accident causing your vehicle to be immobilized just call our 24-hour Hotline service for any advice or emergency roadside repair assistance


• 24-Hour Emergency Towing Assistance*
  In case of a mechanical breakdown or an accident causing your vehicle to be immobilized just call our 24-hour Hotline service and arrange to have you car towed to the nearest repairer or designated garage or your place of residence

Major Exclusions:

• occur outside Hong Kong


• arise due to war, strike, riot, civil commotion, nuclear weapon

* The above services are purely on referral or arrangement basis only. All the costs incurred in using the services will be at the Proposer's own expenses.