Private Motor Car Insurance
A comprehensive protection for you and your loved vehicle
Private Motor Car Insurance is a general insurance plan. It is underwritten by Dah Sing Insurance Company Limited ("Dah Sing Insurance") and distributed by Dah Sing Bank, Limited ("Dah Sing Bank").
Features
Comprehensive Cover
- In addition to the third party liability cover, loss of or damage to the insured vehicle is covered up to the selected sum insured or the market value (whichever is the lesser)
- Optional cover for the insured vehicle's own damage in Guangdong Province is available
- Other extra benefits are provided for free
Third Party Liability Cover
- Legal liability for third party's death or bodily injury caused by the insured vehicle up to HKD100,000,000
- Legal liability for third party's property damage caused by the insured vehicle up to HKD2,000,000
Loss of or Damage to the Insured Vehicle Cover
- Provide coverage for the insured vehicle due to accidental loss / damage for specified sum insured or market value. (Only applicable for Comprehensive Cover)
No Claims Discount (NCD) Protector
- If the total amount claimed within one policy year is less than designated amount, the NCD shall remain the same NCD percentage upon renewal with us. (Only applicable for Comprehensive Cover)
"New For Old" Cover without deducting depreciation
- Full compensation for the insured vehicle less than one year old will be provided if it is sustained a total loss in an accident. A new car of the same make and model will be compensated. (Only applicable for Comprehensive Cover)
24 Hour Towing Service
- If the insured vehicle cannot be repaired at the roadside following an accident or mechanical breakdown, we will arrange car towing service. (Only applicable for Comprehensive Cover)(Only available within the territory of Hong Kong)
Taxi Service
- In the event that the assistance of Towing Service has been arranged for a breakdown or accident of the motor car, we will reimburse the taxi fare for you to reach your planned destination. (Only applicable for Comprehensive Cover)(Only available within the territory of Hong Kong)
Important Notes
The Insurance Plan mentioned above is a general insurance product which is underwritten by Dah Sing Insurance Company Limited ("Dah Sing Insurance"). Dah Sing Insurance is a member of Dah Sing Financial Group and is authorised and regulated by the Insurance Authority. Dah Sing Bank, Limited ("Dah Sing Bank"), registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Dah Sing Insurance and distributes the insurance products for Dah Sing Insurance. The relevant general insurance product is a product of Dah Sing Insurance but not Dah Sing Bank.
Information on this website is for reference only and is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any general insurance products of Dah Sing Insurance outside Hong Kong. Information on this website is intended as a general summary only but does not contain the full terms of the relevant products.
For the coverage and content, detailed terms and conditions and exclusions, etc. of the Insurance Plan, please refer to the policy provision and the information stated in the relevant policy provision shall prevail. Customers should read, fully understand and accept the terms and conditions, coverage, exclusions and premium stated in the product brochure and policy provision before applying for the Insurance Plan. Dah Sing Insurance is solely responsible for all coverage and compensation, and reserves the right of final approval of the enrollment of the relevant insurance plan. Policyholders are subject to the credit risk of relevant insurance company.
In respect of an eligible dispute (as defined in the Terms of Reference for Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Dah Sing Bank and the customer out of the selling process or processing of the related transaction, Dah Sing Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.
The service(s) / product(s) mentioned herein is / are not targeted at customers in the European Union.
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