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Car Insurance
Car Insurance

Give you a peaceful journey with a comprehensive coverage.

Car Insurance

Private Motor Insurance protects you, your vehicle and also covers third party liabilities. From now until 31 December 2018, apply for Private Motor Insurance to get a Gasoline Voucher with value up to HK$800.

Private Motor Insurance Promotion

From now until 31 December 2018, upon successful application and payment made for  Private Motor Insurance of MSIG Insurance (Hong Kong) Limited (“MSIG”) from MSIG’s website as accessed through the Standard Chartered Bank (Hong Kong) Limited (the “Bank”) website, you can enjoy the following attractive offers:

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Notes: Private Motor Insurance is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). The Bank is an insurance agent of MSIG.

Promotion Offer for Private Motor Insurance

Apply for a Private Motor Insurance to get a Gasoline Voucher with value up to HK$800
TERMS AND CONDITIONS APPLY

Benefits

 COVER
Third Party
Comprehensive
1. Own Damage, Fire & Theft Cover Cover loss of or damage to your car due to collision, fire, theft or other accidents. Χ ✓
2. NCD Protector ·        No matter how many claims you make, you can maintain your existing No Claim Discount (NCD) at renewal provided that:

·        After the application of excess, the claim amount does not exceed HK$100,000 or 25% of the sum insured (whichever is the less); and

·        No third party bodily injury is involved in the claim.

 Χ ✓
3. Windscreen Damage – Excess Wavier No excess will apply if your claim does not exceed HK$5,000. You can keep your No Claim Discount as well. Χ ✓
4. “New For Old” Replacement Vehicle  If your car is less than 1 year old (from the date of its first registration) and sustains a total loss, we will pay in cash or give you a new one of the same model and make without deducting any deprecation. Χ ✓
5. Medical Expenses Cover  A maximum of HK$5,000 will be provided to cover the medical expenses from bodily injury sustained by any authorised driver in an accident while driving your car. Χ ✓
6. Motor Personal Accident  HK$200,000 compensation will be provided to cover death, permanent disablement, loss of limbs or sight for you or any named driver in the event of an accident while driving your car. Χ ✓
7. Vehicle Assistance Services  ·        24-Hour Emergency Roadside Assistance

·        24-Hour Fee Towing Service

·        Alternate Car when your car is stolen or immobilized due to an accident

·        24-Hour Claims Advisory Service

·        24-Hour General Advisory Service

 Χ ✓
8. Third Party Cover   Cover the legal liability of you or authorized driver arising from an accident while driving your car, including:

·        Death or bodily injury to third party

·        Damage to third party property (up to HK$2,000,000)

 ✓ ✓

Major Exclusions

  1. Consequential loss
  2. Depreciation wear and tear
  3. Damage to tyres (unless damage is caused to other parts of the car at the same time)
  4. Loss, damage or liability arising from an accident which the Insured or authorised driver is under the influence of alcohol (over the prescribed limit by law)

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Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions

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 Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.