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Current Location >> Personal Banking>> Insurance>> Motor Insurance

     

    Protection Scope

    Premium in Hong Kong Currency
    Coverage Type Third Party Risks Coverage Comprehensive Coverage
    Coverage To protect you and/ or your driver of the insured vehicle for their legal liabilities in respect of death of or bodily injury to any third party person; and/ or damage to property of any third parties arising out of an accident in connection with the insured vehicle. To protect you against loss of or damage to the insured vehicle resulting from collision, fire, theft, and other accidental losses as well as protects you under Third Party Risks Coverage.

    Maximum limit
    Own Damage N/A
    Up to Sum Insured
    Third Party Bodily Injury 100,000,000
    100,000,000
    Third Party Property Damage 2,000,000
    2,000,000
    Medical Expenses N/A
    Yes
    Windscreen Protection N/A
    5,000
    No Claim Discount Protection Up to 60%
    Up to 60%
    24 hours towing service N/A
    Yes
    24 hours emergency roadside assistance service N/A
    Yes

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    24 hours free emergency referral service

    • 24 hours towing service
    • 24 hours emergency roadside assistant service

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    Additional Benefit: Hong Kong-Zhuhai-Macao Bridge Hong Kong cross-border vehicle insurance ("HZMB " plan)


    Coverage Details  
    Premium in RMB Currency
    Area Guangdong Province, the People's Republic of China
    Type SALI Commercial Vehicle Insurance
    Description
    The compulsory insurance system implemented by the laws of the Mainland, the full name is " Statutory Motormobile Liability Insurance ", referred to as "SALI", is the compulsory liability insurance that compensates for personal injury or property damage to persons within the limits of liability underwritten by an insurance company for the insured motor vehicle caused by a road traffic accident (excluding the vehicle drivers and the insured).
    Motor vehicle third party liability insurance Passenger liability insurance limit/per seat
    Sum insured
    Limits of compensation for Motor vehicle liability in road traffic accident
    Death and disability compensation limit: 180,000
    Medical expenses compensation limit: 18,000
    Property damage compensation limit: 2,000

    Limits of compensation for Motor vehicles not liable in road traffic accidents
    Death and disability compensation limit: 18,000
    Limit of compensation for medical expenses: 1,800
    Property damage compensation limit: 100
    1,000,000/
    1,500,000/
    2,000,000/
    3,000,000/
    5,000,000
    10,000/
    30,000/
    50,000/
    100,000


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    Claims Services

    In the event of an insurance liability accident happens in the Hong Kong SAR of the People's Republic of China, “BOCOM insurance” will provide corresponding insurance claims services in accordance with the laws and regulations of the Hong Kong SAR of the People's Republic of China and the provisions of the insurance contract. After the insured vehicle enters the Mainland through the Hong Kong-Zhuhai-Macao Bridge, the laws and regulations of the People's Republic of China shall apply. In the event of an insurance liability accident happens in Guangdong Province, the People's Republic of China, China BOCOM Insurance Co., Ltd.’s partner in Mainland China will provide corresponding claims service in accordance with Mainland laws and regulations and insurance contracts.

    Emergency report phone details
    Occurs in the Hong Kong SAR, the People's Republic of China Call the police in the Hong Kong SAR of the People's Republic of China (Tel: 999) and/or contact “BOCOM insurance” for claims processing (Tel: 2591 2938)
    Occurs in Guangdong Province, the People's Republic of China Immediately report to the Mainland traffic police (Tel: +86 110) and call BOCOM insurance's service agency in Mainland China-Pacific insurance for claims processing (Tel: +86 95500)

    Insurance Authority Premium Levy

    Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.

    Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

    Policy Inception Date and/or Annual Anniversary Date Applicable Levy Rate Cap Per General Insurance Policy Per Policy Year (HK$)
    From 1 Apr 2021 onwards
    (date inclusive)
    0.10% 5,000


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    Governing Law of Policy: Hong Kong Special Administrative Law

    For enquiries, please visit any of our outlets or call our customer service hotline.

    Note:

    1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
    2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd.
     

    Important Notice:
    Bank of Communications (Hong Kong) Limited (the “Bank”) distributes the product for China BOCOM Insurance Co., Ltd. The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.


    Contact Us

    Customer Service Hotline: 223 95559

    Please visit any of our outlets