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Overview

Protects you, your vehicle and also cover third party liabilities

Key Features

  • No Claims Discount (NCD)
    Protector

    No matter how many claims you make, you can maintain your existing No Claim Discount (NCD) at renewal.

  • Windscreen Damage-
    Excess Waiver

    No excess will apply if the windscreen is damaged accidentally and your claim does not exceed HK$5,000.

  • "New For Old" Replacement
    Vehicle

    No depreciation will be counted in the case of claim settlement if your car is less than one year old.

  • Personal Accident And
    Medical Cover

    Personal accident cover up to HK$200,000 per year and medical expenses cover up to HK$5,000 per event.

Promotion Offers

From now until 30 June 2018, apply for Private Motor Insurance1 to enjoy below fabulous offer:

Up to
HK$800

Gasoline Voucher2

Terms and conditions apply

Remarks:

1Private Motor Insurance is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). Standard Chartered Bank (Hong Kong) Limited (the "Bank") is an insurance agent of MSIG.

2The Gasoline Voucher is only applicable to customers who enroll Private Motor Insurance with below premium amount (net of discount):

Premium Amount (net of discount) Gasoline Voucher Amount
HK$3,000 – HK$3,999 HK$300 Gasoline Voucher
HK$4,000 – HK$4,999 HK$400 Gasoline Voucher
HK$5,000 – HK$5,999 HK$500 Gasoline Voucher
HK$6,000 – HK$6,999 HK$600 Gasoline Voucher
HK$7,000 – HK$7,999 HK$700 Gasoline Voucher
HK$8,000 or above HK$800 Gasoline Voucher

Terms and Conditions of Private Motor Insurance Promotion

A. General Terms and Conditions

  1. The promotion period is between 1 April 2018 to 30 June 2018, both days inclusive, (the "Promotion Period").
  2. The promotional offers are available to successful applicants of Private Motor Insurance of MSIG Insurance (Hong Kong) Limited ("MSIG"), whose relevant application is made on MSIG's website as accessed through the website of Standard Chartered Bank (Hong Kong) Limited (the "Bank") during the Promotion Period ("Eligible Customer").
  3. These terms and conditions are related to the promotional offers only and no reference has been made to any MSIG insurance policy ("Policy") or any coverage or content thereunder. Customers are advised to read and understand the Policy before applying for the relevant insurance.
  4. Customers understand and accept that the Bank is not the supplier of the products/ services directly purchased by the customers from the merchant / insurer. The Bank shall bear no liability relating to any aspect of the products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant / insurer, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the products/services provided by the merchant / insurer, its employees, officers or agents other than the Bank.
  5. The Bank reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  6. All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of the Bank, which shall be final and binding.
  7. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.

B.Terms and Conditions of the Gasoline Voucher Offer:

  1. Eligible Customers who successfully apply for Private Motor Insurance during the Promotion Period may be entitled to gasoline voucher (the "Gasoline Voucher") of a certain value as set in the table below upon paying the corresponding amount of Premium Amount (net of discount) for Private Motor Insurance
    Premium Amount (net of discount) Gasoline Voucher value
    HK$3,000 – HK$3,999 Gasoline Voucher HK$300
    HK$4,000 – HK$4,999 Gasoline Voucher HK$400
    HK$5,000 – HK$5,999 Gasoline Voucher HK$500
    HK$6,000 – HK$6,999 Gasoline Voucher HK$600
    HK$7,000 – HK$7,999 Gasoline Voucher HK$700
    HK$8,000 or above HK$800 Gasoline Voucher
  2. MSIG will send a redemption letter for the redemption of the Gasoline Voucher along with the Private Motor Insurance policy to the correspondence address as provided by the Eligible Customers in the relevant insurance application within 30 days from the policy effective date.
  3. The Gasoline Voucher is not transferable, returnable or redeemable for cash. The acceptance and use of the Gasoline Voucher and the associated products/services are subject to the terms and conditions as stipulated by merchant.
  4. Customers understand and accept that the Bank and MSIG are not the supplier of the Gasoline Voucher and the associated products/services supplied by the merchant. The Bank and MSIG shall bear no liability relating to any aspect of the Gasoline Voucher, products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection the products and/or services provided by the merchant, its employees, officers or agents.

Benefits

Coverage   Third Party Comprehensive
Own damage, fire & theft cover Cover loss of or damage to your car due to collision, fire, theft or other accidents. Χ
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
Windscreen Damage – Excess Waiver No excess will apply if your claim does not exceed HK$5,000. You can keep your No Claim Discount as well. Χ
“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
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
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
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
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)

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 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 is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.