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Motor Insurance

Thefts and traffic accidents are a great concern to car owners since they can cause bodily injury or death, and can also incur huge expenses. Under the Motor Vehicles Insurance (Third Party Risks) Ordinance, Chapter 272 of the Laws of Hong Kong, the user of a motor vehicle on the road must insure his liability for death or bodily injury of third parties with an authorized insurer.

Classification of the Motor Insurance
(A) Third Party Liability Insurance
(B) Comprehensive Insurance

a. Third Party Only - covers only the minimum legal requirements for third party death and bodily injury.
b. Third Party, Fire and Theft - covers loss or damage to the policyholder's car caused by fire or theft, in addition to the Third Party Only category.
c. Comprehensive - covers any accidental loss or damage to the policyholder's car, in addition to the Third Party Only category.  

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