Hong Kong Compulsory Private Car Insurance
Full Protection
In Hong Kong, having adequate insurance for your vehicle is every car-owner’s responsibility. You have to buy an insurance covering your legal liability to any third parties, including death of or bodily injury to third parties as well as damage to the property of third parties. Min Xin is ready to offer you a Private Car Third Party insurance plan to cater for this legal requirements.
Other than Third Party Insurance plan, whether you need personal accident protection, free windscreen coverage, NCB protection or third party claims recovery service, our Private Car comprehensive insurance plan can meet your every needs.
Coverage
| Coverage | Comprehensive | Third Party |
|---|---|---|
| Accidental Damage | ||
| Loss of Your Motor and/or its Accessories | ||
| Legal Liability for causing Third Party's Death and/or Bodily Injury | Up to HK$100,000,000 (stipulated by law) |
|
| Legal Liability for causing Third Party's Property Damage | Up to HK$2,000,000 | |
| Min Xin Extra Benefits | ||
| Medical Expense - Driver & Occupant | ||
| Personal Accident Coverage | ||
| No Claim Discount (NCD) Protection | ||
| Claims Recovery Service | ||
| Windscreen Accident Cover | ||
| New For Old Replacement Car | ||
Medical Expense - Driver & Occupan
Min Xin provides the medical expenses for the Insured or the Insured Driver or any occupants of the motor car, up to HK$2,000 per policy year.
Personal Accident Coverage
Up to a maximum of HK$100,000 per policy year in the event of accidental death or total permanent disablement in a traffic accident, for the Insured or any Named Driver.
No Claim Discount (NCD) Protection
You can maintain your existing No Claims Discount (NCD) at renewal even if you make the claim(s) within a year provided that the total claim amount does not exceed HK$80,000 or 20% of the sum insured (whichever is the lesser)
Claims Recovery Service
In the event of an accident caused by the third party’s fault, Min Xin will seek recovery from the responsible third party on your behalf. You will continue to enjoy the existing NCD and reimbursed against the excess amount already paid by you, if the recovery is successful.
Windscreen Accident Cover
If your front and / or rear windscreen is broken, Min Xin covers the replacement cost without excess & your NCD remains unaffected. The maximum amount depends on the make & model of your car.
