Allied World’s private motor insurance is an all-in-one private car insurance package providing round-the-clock protection, including a suite of free extra benefits, to give you true peace of mind.
Private Motor Insurance
Protects you against not only Third Party risks, but also loss of or damage to your car due to collision, fire, theft or other accidents.
Third party cover
Protects you against legal liability for causing Third Party’s death or bodily injury up to HK$100 million, and property damage up to HK$2 million.
Free extra benefits
No claim discount (NCD) protection
No matter how many claims you make, if the total amount claimed within one policy year does not exceed HK$80,000 or 20% of the estimated car value (whichever is less), your NCD will be maintained if you renew with us. You can enjoy immense savings over the years.
No limit on windscreen, window glass and roof glass claim frequency (nil excess)
Repair or replacement of windscreen, window glass and roof glass is covered up to HK$5,000 per accident, with no limit on claim frequency. Not only is there no excess, your NCD will also not be affected.
Special cover for brand new car
- New for old – You will be compensated with a new car of the same grade if your car is less than one year old and sustains a total loss or is damaged beyond economical repair.
- Waiver of depreciation on repairs – You will not be charged for any depreciation on spare parts which need replacement if your car is less than one year old.
Free choice of repairers
You are free to select any garage for repairs – even dealer workshops!
Free personal accident cover for named drivers
We provide HK$100,000 cover for bodily injury sustained by any of the named drivers due to an accident which results in death or permanent total disablement.
We will pay up to HK$2,000 per accident towards medical expenses incurred by the named driver and passenger(s) resulting from an accident.
Replacement car service*
If your car is stolen and not found within 48 hours, or requires repairs after an accident for more than 48 hours, our assistance service shall arrange and pay for a replacement car. You will be paid car rental costs of up to HK$5,000 per accident (subject to a daily limit of HK$1,000).
Claims recovery service
In the event of an accident caused by the Third Party’s fault, we offer claim recovery services to pursue recovery for your excess losses.
24-hour assistance services**
We offer emergency towing, roadside repair, traffic regulation enquiry and claims enquiry services.
Premium depends on the type of motor car, your age and your driving experience, etc. For a competitive quotation, please contact your agent, broker or our office.