General Insurance
General insurance refers to a category of insurance products that protect against property loss and liability, including property, liability, and accident insurance. Its primary purpose is to provide financial compensation for unexpected events, mitigating losses and ensuring the policyholder's financial security. Property insurance covers homes, businesses, and vehicles, while liability insurance addresses legal responsibilities for damages. Accident insurance offers protection against injuries or death due to accidents, providing peace of mind for individuals and businesses.
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Travel
Home
Fire
Car
Helper
Personal Accident
Contractors’ All Risks
SME
Pet Insurance
Comprehensive insurance
Comprehensive insurance for private vehicles offers extensive coverage to protect owners from various risks. It typically includes protection against losses from accidents, theft, and fire, as well as third-party liability. Many plans provide additional options like roadside assistance and rental car coverage to handle unexpected events. With this insurance, vehicle owners can drive with confidence and minimize the financial risks associated with accidents.
Third-party liability insurance
Third-party liability insurance for private vehicles is essential coverage that protects owners from damages they may cause to others in an accident. This insurance typically covers personal injury claims, property damage, and provides legal liability protection, helping to shield the owner from potential legal risks. With this insurance, drivers can operate their vehicles confidently, ensuring they can handle any issues that may arise from accidents and minimize financial burdens.
Northbound Travel for Hong Kong Vehicles
Northbound Travel for Hong Kong Vehicles is an insurance plan designed to address risks while driving in the mainland. This coverage typically includes protection against accident losses, third-party liability, and roadside assistance services.
This insurance allows Hong Kong vehicle owners to drive confidently when heading to mainland China, reducing potential risks and legal liabilities.
Frequently Asked Questions
In Hong Kong, car insurance is mainly divided into two types:
1）Third-Party Liability Insurance (commonly known as "TP")
This covers compensation for bodily injury or death of third parties and property damage caused by your vehicle.
2）Comprehensive Insurance
This covers all aspects of third-party insurance, including bodily injury and property damage to third parties, while also protecting your own vehicle against losses from accidents, fire, theft, or other risks (such as flooding or vandalism). Additionally, most insurance companies offer extra benefits, such as personal accident coverage for drivers and passengers, medical expenses, and windshield repair.
When choosing between comprehensive and third-party insurance, factors to consider include the value of the vehicle, driving experience, financial situation, risk tolerance, frequency of vehicle use, and parking environment.
Is Car Insurance Mandatory?
What is NCD/NCB?
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供樓要還到 買份意外險
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養寵物如養人，日常開支、醫療、甚至未來策劃同樣重要，如何審慎規劃「毛孩」的未來幸福，並盡量轉移所面對的財務風險呢？
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Difference between Broker & Agency
- BrokerAgency
- Comparing various products from multiple insurance companies all at once.
- Exaggerate the company's customized policies and reduce premium costs.
- From tailor-made analysis to chasing claims, protecting customer interests first
- Take advantage of the company's limited-time offers to secure high-value policies.
- Proactively reviewing your policy and dynamically adjusting life coverage.
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