Claims tips – motor insurance 

A: Whether you’re at fault or not, you should always report the accident to the police and your insurer immediately to protect your interest. Also remember to exchange information with the driver involved and take photos of your car and the other car involved to show damage.

*Only Comprehensive policy will provide coverage for own damage.

A: Yes. If your car is under repair due to a covered loss, our motor insurance policy will reimburse you for the costs of hiring temporary substitute vehicles, including rental cars OR taxi fees.* This benefit is applicable to the Comprehensive policy plan only.

*Please note that there is a sub-limit in place for this coverage, and arrangement of car rental should be made through our 24-hour emergency hotline at +852 2886 3977.

A: Yes. We will reimburse you for the reasonable medical expenses resulting from an accident involving your car. This includes injuries sustained by you, the driver, or any passengers as a direct result of the accident.*

*Subject to policy terms and conditions. Please note that there is a sub-limit in place for this coverage.

A: You should immediately report the incident to the police and obtain a police report. You should also submit a claim to us, whether you have comprehensive insurance or third-party only insurance, and regardless of who is at fault.

If you have comprehensive insurance, we will handle the claim for your own vehicle damage even before the release of the police investigation or court results.

If you only have third-party insurance, you can decide when to repair your car and whether you want to make a claim against the third party.