Top of main content

Motor insurance

Protecting you from third party liability claims with comprehensive car insurance and premium workshop repair services

Comprehensive cover for you and your car

Enjoy driving with the knowledge that you and any third party are fully covered by comprehensive car insurance for loss or damage resulting from a traffic accident. 

Key benefits

Covers third-party legal liability

Covers your legal liability arising out of an accident caused by or in connection with your car for up to HKD100 million in the case of death or bodily injury to another person, or up to HKD2 million in the case of loss of, or damage to property of other people

Cover for accidental loss and damage[@freeaddtionalbenefits]

We will cover the loss of or damage to your car sustained from a car accident

Medical expenses[@freeaddtionalbenefits]

We will pay the insured driver and your passenger medical expenses of up to HKD6,000 for bodily injury from a car accident

'New for old' replacement[@freeaddtionalbenefits]

'New for old' car replacement

Replace your car, which is stolen or suffers total loss in an accident, with a car of the same make and model without deducting any depreciation as long as:

  • you are the first registered owner
  • the loss occurs within the first twelve months of the first registration of the Car with the Transport Department
  • the first registration of the Car with the Transport Department must be made within the calendar year immediately following the year of the manufacture thereof

Limited time offers

Free Charger Liability Coverage will be offered to the customer who apply for Motor Insurance choosing Comprehensive Cover (Electric vehicle customers only) through online submission on or before 31 Dec 2024.

T&Cs apply.

Summary of cover

What's included?

Third-party legal liability from a car accident

Covers your legal liability arising out of an accident caused by or in connection with your car for up to HKD100 million in the case of death or bodily injury to another person, or up to HKD2 million in the case of loss of or damage to property of other people.

With 'Comprehensive Cover', as well as third-party liability protection, you will also receive cover for:

Additional benefits

More help when you need it

When life surprises you, you can choose the optional benefits to offer you more support.

Optional cover

For an additional fee, you can choose to supplement your coverage with the following benefits:

Car damage protection in Guangdong Province of the People’s Republic of China

We can extend your policy to cover you and your car for loss/damage as well as the medical expenses when you are driving in Guangdong Province of the People’s Republic of China where your indemnity limits remain unchanged as the original policy.

Additional accessories

We can also cover audio-visual equipment, disablement equipment, car camera, sunroof, GPS, car alarm which is permanently fixed to your car and that are not configured as the original specification by your car’s manufacturer.

Motor insurance coverage and optional cover details

Major exclusions

Unfortunately we can’t cover you for :

  • consequential loss
  • depreciation wear and tear mechanical or electrical breakdown failure or breakage
  • damage to tyres unless damage is caused to other parts of the insured car at the same time
  • excess where applicable as stated in the Policy Schedule
  • loss or damage as a result of intentional self-injury, suicide or attempted suicide
  • any accident occurs due to drunk driving or drug driving of an insured driver
  • Terrorism

For more details, refer to the policy wording (PDF).

Eligibility

To apply for a Motor insurance policy, you'll need to hold an HSBC credit card or account, and be aged 18 or above.

Apply now

HSBC customers can apply for a Motor insurance policy online

Need to make a claim?

Claim online anytime, over the phone or at an HSBC branch.

Find out more

You may also be interested in

 

Accident insurance that pays a cash lump sum if you're seriously injured or killed in an accident. 

 

Peace of mind, wherever you go. 

 

Protect your home with a plan that suits your needs. 

 

Get comprehensive coverage for your domestic helper, and extra benefits that help you exceed your legal obligations as an employer.