Private Motor Car Insurance

Private Motor Car Insurance

No Claim Discount (NCD) Protector (applicable to Comprehensive Insurance only)

No Claim Discount (NCD) Protector (applicable to Comprehensive Insurance only)You can maintain your existing No Claim Discount (NCD) at renewal even if you make a claim within a year if certain criteria are met.

Windscreen Damage – Excess Waiver

Windscreen Damage – Excess WaiverIf the windscreen is damaged accidentally, and your claim does not exceed HK$5,000, no excess will apply when we settle your claim.

"New for Old" Replacement Vehicle

"New for Old" Replacement VehicleIf your car is less than one year old, no depreciation factor will be applied when we settle your claim subject to certain criteria being met.

Motor Personal Accident and Medical Expenses Cover

Motor Personal Accident and Medical Expenses CoverPersonal accident covers up to HK$100,000 per year, plus medical expenses coverage up to HK$5,000 per event.

1. Own Damage or Loss Cover Cover loss of, or damage to, your car and/or accessories and/or its spare parts.
2.  NCD Protector (applicable to Comprehensive Insurance only)
You can maintain your existing No Claim Discount (NCD) at renewal even if you make a claim within a year, provided that:
  • not more than one claim is reported during the period of insurance;
  • after the application of excess, the claim amount does not exceed HK$60,000 or 15% of the sum insured (whichever is the less); and
  • no third party bodily injury claim has been made.
3.  Windscreen Damage – Excess Waiver
If the windscreen is damaged accidentally and your claim does not exceed HK$5,000, the claim will not be counted into the total claims when the NCD entitlement is calculated and no excess will apply.
4.  “New for Old” Replacement Vehicle
If your car is less than 1 year old and the first registration has been made within 12 months from the date of manufacturing 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 amount for deprecation.
5.  Medical Expenses Cover
Up to HK$5,000 cover for medical expenses related to bodily injuries sustained by any authorized driver involved in an accident while driving your car.
6.  Motor Personal Accident
HK$100,000 compensation for death, loss of limbs or sight for you, or any named driver, in the event of an accident while driving your car.
7.  Vehicle Assistance Services
  • 24-Hour Emergency Roadside Assistance
  • 24-Hour Free Towing Service
  • Alternate Car when your car has been stolen or immobilized due to an accident
  • 24-Hour Claims Advisory Service
  • 24-Hour General Advisory Service
8.  Third Party Cover
Cover the legal liability of you, or any authorised driver, arising from an accident while driving your car, including:
  • Death or bodily injury to third party (up to HK$100,000,000)
  • Damage to third party property (up to HK$2,000,000)

Items 1 to 8 in the coverage table apply to Comprehensive Insurance
Items 8 in the coverage table applies to Third Party Legal Liabilities Insurance

Please call Fubon Bank Enrollment Hotline 2806 5038 during office hours* for more details or Press here for inquiry..


*Office hours: Monday to Friday: 9am to 9pm (except public holidays).


Terms and Conditions

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 authorized driver is under the influence of alcohol (over the prescribed limit by law)
Important Note:
  1. The above insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval and amend the above products. In case of disputes, the decision of MSIG shall be final and binding.
  2. 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 and does not constitute any part of the insurance contract. 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 and Conditions of the policy, the Terms and Conditions of the policy shall prevail. For exact Terms and Conditions and details of the coverage and exclusions, please refer to the relevant policy or contact MSIG.
  3. Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deducted from the account provided by the Insured Person.
  4. During the insured period, the Insured Person must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Insured Person made.
  5. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website or Fubon Bank Premium Levy introduction website.

*Collection of Levy on Insurance Premium
The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.
a. MSIG Insurance (Hong Kong) Limited is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
b. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
c. Fubon Bank is the licensed insurance agency appointed by MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan.
d. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between MSIG Insurance (Hong Kong) Limited and you.
e. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong.
f. The English version shall prevail in case of inconsistency between the English and Chinese versions.
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