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    Private Car Insurance Plan

    The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited ("Chubb").

    Plan overview

    Private Car Insurance Plan ("the Plan") is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), provides Third-party Legal Liabilities or Comprehensive Protection for your private car. Comprehensive Protection covers the first year brand-new vehicle suffers total loss in an accident or is stolen within one year of initial registration, compensation will be based on the value of a new vehicle of the same make and model, without deducting for depreciation. Also, unlimited windscreen and car window coverage, which would not affect the "No Claim Discount".

    Key features

    This Plan protects the insured against legal liability in respect of a third party’s death or bodily injury for up to HKD100,000,000 and a third party’s property damage for up to HKD2,000,000 while using the insured car.

    This Plan covers

    • Loss of or accidental damage of the insured car
    • Medical expenses for any accidental injury of the policyholder, driver or passengers
    • Personal accident insurance up to HKD150,000 (policyholder and named driver when driving the insured car)
    • Unlimited windscreen and car window coverage
    • New for old vehicle replacement

    FAQ

    Popular questions

    "Basic Protection" provides :

    • Protection to the car owner or driver against liability of third party bodily injury, death or property damage while they are using the insured vehicle

    "Comprehensive Protection" provides:

    • Basic protection and service of "Third Party Legal Liabilities Insurance Plan"
    • Coverage for loss of accidental damage to the insured car
    • Medical expenses for any accidental injury of the policyholder, driver or passengers
    • Personal accident insurance up to HKD150,000 (policyholder and named driver when driving the insured car)
    • Unlimited windscreen and car window coverage (if each claim does not exceed HKD5,000, No Claim Discount will remain unaffected)

    When the policyholder has no claim record during the insured period, he/she may enjoy the benefit of "No Claim Discount" ( NCD ) upon policy renewal.

    The NCD can be accumulated up to 60% of the premium as follows:

    Expiration of Insured Period (on yearly basis) NCD
    First Year 20% (10% increase each year up to 60%)

    If there is a claim record during the insured period, NCD shall be decreased upon policy renewal.

    NCD held After claim (NCD upon policy renewal)
    60% 30%
    50% 20%
    40% or below 0%

    The NCD benefit is designed for the policyholder and not transferable. However, it may be swapped among the cars registered under the policyholder's name.

    Apply "Comprehensive Protection", two named drivers can be registered for each vehicle with no extra premium charged. Policyholder may add one to two more named drivers, however, a 10% increase of premium will be charged on each additional named driver.

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

    View details

    Download form

    You can find all the forms and documents here for our insurance policies.

    Download form

    Need more help?

    Call us for enquiry

    Chubb Customer Service Hotline  (852) 3191 6668 Office hours : Monday to Friday from 9:00 a.m. to 5:30 p.m. (Closed on Saturday, Sunday and Public Holidays)

    Email us

    Leave us a message

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    Footnote

    Other point(s) to note

    1. The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
    2. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
    3. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.