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Drive Green with extra peace of mind!
Private EV Motor Insurance

Wherever the road takes you, our electric-car coverage ensures that your journey towards a greener future secured with the technology you chose. (covered by Private Motor Car Insurance Plan – Electric Vehicle)

For non-electric vehicle protection, click here to learn more.

What you can get in this plan*

New-for-Old

New-for-Old EV replacement and betterment contribution wavier**

Up to three years of new-for-old replacement and a 0% betterment contribution in repairing

Breakdown (2)

Advanced technology coverage

Protection for damage caused to your EV and third-party property when using Advanced Driving Assistance technologies***

Charging Protection

Charging protection and enhanced charger third party liability coverage

Cover accidental battery damage and include up to HKD 20 million liability coverage per accident per policy year

Peace of mind

Extra peace of mind during repairs

Temporary substitute vehicle or taxi expense reimbursement benefits or HKD 1,000 cash benefit if the repair time exceeds 14 days****

Breakdown (3)

Breakdown and charging support

Emergency roadside support for stranded EVs; up to HKD 200 taxi allowance if towing service is requested due to electricity depletion (maximum of one claim per year)

Eco-Friendly

Eco-Friendly Battery Disposal

Cover the cost of environmentally responsible disposal of your EV’s battery in cases of total loss

Beyond the key highlights, you can also get…

✓ 24-hour services
Include emergency roadside and towing services, along with traffic regulation and claims enquiry hotline.

✓ Garage-pro services network#
Visit our trusted network of garages for convenient services, including cleaning, free delivery of your repaired car, and a warranty of the repaired work.
Click to view upgraded privilege

✓ Care-free driving in Greater Bay Area (optional)
Provide comprehensive liability coverage tailored for hassle-free driving experiences in GBA.

#Terms and conditions apply

✓ Options on additional coverage
Enhance your protection on the road with selectable coverage amounts of up to HKD 10 million

✓ Extensive service bundle
Include medical expenses & personal accident protection, front windscreen excess waiver, cashless repairs, temporary substitute vehicle, and more.

  • Table of benefits
    Benefits Third party liability only Comprehensive
    Designed for EVs coverage
    New for old replacement
    Up to 3 years including relevant tax benefit applied**
    Betterment policyholder contribution
    0% up to 3 years including relevant tax benefit applied
    Battery damage during charging coverage
    Charging station damage (self-owned) coverage Up to HKD 5,000 per accident
    EV charger third party liability Up to HKD 20,000,000 per accident Up to HKD 20,000,000 per accident
    Advanced driver assistance technology coverage ✓ (cover the damage arouse from third party liability only)
    Cost for sustainable way of battery disposal (total loss)

    Click here to see the full table of benefits.

Check out our customer stories below:

  • Application of Advanced Technologies
  • Battery Coverage
  • New-for-Old and Sustainability

Case 1:

While using the auto-parking technology in her electric vehicle, Emily recently experienced a minor collision with another car during the parking maneuver. She also needed to send her EV to garage for repairs. (Emily enrolled a comprehensive plan)

Coverage highlights:

  • Protection for damage caused to her electric car and third-party property when using the technology;
  • Temporary substitute vehicle or taxi expense reimbursement while the car is under repair;
  • HKD 1000 benefit if the repairing cannot be completed in 14 days, provided that she hasn't claimed towards temporary substitute vehicle or taxi expense reimbursement.

Case 2:

John’s electric vehicle suffered a battery break down while charging due to a power surge. (John enrolled a comprehensive plan)

Coverage highlights:

  • Charging protection for battery damage;
  • Electric vehicle charger protection covering accidental damage to his own EV charger; 
  • Up to HKD 20 million third-party charger liability coverage;
  • Temporary substitute vehicle or taxi expense reimbursement while his car is under repair;
  • HKD 1000 benefit if the repairing cannot be completed in 14 days, provided that he hasn't claimed towards temporary substitute vehicle or taxi expense reimbursement.

Case 3:

Meet Alex. After an unfortunate accident resulting in a total loss of his firsthand new electric vehicle manufactured 2 years ago, he is concerned about the environmental impact of disposing of the EV’s battery. (Alex enrolled a comprehensive plan)

Coverage highlights:

  • Coverage for the cost of environmentally friendly disposal of the battery;
  • Enjoy New-for-Old EV replacement up to 3 years, helping him getting a new vehicle without worrying of the first registration tax (FRT) that might incurred**.

Learn more

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  • Remarks

    *Some of the features shown above are only available for Comprehensive Plan. Please refer to our policy wordings for details.

    **Only apply to the first and second registration of the car with the Transport Department and that the registration must be made within twelve months from the date of manufacture and insured's estimated value of the electric vehicle must be at least the new replacement value (reasonable market value for brand new same make and model EV) of the motor car at the time of effective date. Please refer to policy wording for details.

    ***The technologies must be installed by the motor car manufacturer and approved by the Transport Department

    ****when temporary substitute vehicle or reimbursement of taxi expense are not requested

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.

 

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