Your Car
Your Car
Gain peace of mind behind the wheel with our motor insurance solutions.
We arrange Private Car insurance with customisable coverage plans at competitive rates.
Private Car insurance
Types of Car Insurance
A comprehensive Car Insurance will cover Roadside Assistance, Daily Transport Allowance, Rented Car Allowance and more. Do contact us to enquire.
Coverage for Personal Accident
This includes disablement and death
Free 24/7 Roadside Assistance
Provides free towing services if your car breaks down, as well as roadside assistance to fix minor problems like flat tires.
NCD Protector
Protects against NCD reduction in the event of a claim within the limitation during the policy year.
New for Old Replacement
Applicable to vehicles within 12 months (from vehicle first registration).
Excess Waiver for Windscreen
Excess waiver for windscreen damage, subject to a sub-limit, for comprehensive cover.
FAQ
To qualify for car insurance, you must generally meet the following criteria:
- Be at least 18 years old (most insurers may require 25+).
- Be residing in Hong Kong
- Be the registered owner of the car to be insured
- Be medically fit to drive and fulfil all driving regulations
- Have driving experience of at least 2 years
- Have not been previously declined insurance for any reason
- Have no claim record in the past 3 years
- Your car has no modifications that are non-compliant or not approved by the Transport Department.
- The car to be insured must not be more than 15 years old.
- There are two types of car insurance to choose from: Third Party Only insurance and Comprehensive Car insurance.
Third Party Only Insurance
Comprehensive Car Insurance
You should contact ION or your insurer immediately to cancel your policy. Typically, you will need to submit a written request for cancellation along with the following supporting documents:
The original certificate of insurance.
Proof of the vehicle's sale or de-registration, such as:
- A copy of the Notice of Transfer (TD25 form) available from the Transport Department.
- Or a copy of the de-registration confirmation from the Transport Department.
- The cancellation takes effect from the date of notification to ION or the insurer.
- Please return the original documents to the insurer, if required.
- Any refund of premium will be subject to the minimum premium.
Most car insurance policies in Hong Kong provide coverage only within Hong Kong. However:
- You could extend the own damage cover to Mainland China (Guangdong Province), and an additional premium will be charged.
- Rental car protection is not covered.
Always check your policy details or contact us to confirm coverage before driving outside Hong Kong.
If the accident happens within the insured geographical area of your policy, a police report is required from the place where it happened. When you return to Hong Kong, you are required to report the accident to your insurer immediately, and ION will assist you to monitor the claim process.
Dishonesty
If you get into an accident and fail to provide an accurate and truthful statement, the insurance company can refuse coverage if it's found that there was false information.
Lack of Cooperation
Refusing to cooperate with the insurance company or failing to provide relevant information during an investigation may result in a denied claim.
Driving Under the Influence
The policy will not cover any incidents resulting from driving under the influence of alcohol or drugs.
Fronting
Some drivers may attempt to lower premiums by insuring the car in the name of a safer driver with a better record. This practice, known as "fronting," is considered fraud. If the insurance company discovers this, any claims may be denied, and the policy could be cancelled. Even minor inaccuracies in your driving details can void the policy, even without intentional fronting.
Illegal Activities
The policy does not cover any illegal activities, such as street racing. Claims related to these activities will be denied.
Modifications to Your Car
All car modifications must be approved by the Transport Department. When purchasing car insurance, you must declare any modifications made to the car. Undeclared modifications may lead to claim rejections. Additionally, some companies factor in modifications when determining premiums, while others may not cover modified parts at all.
If you want to modify your car after purchasing a policy, check with your insurance provider to confirm if the modifications are acceptable under the policy.
Using Your Car for Commercial Purposes
Standard car insurance policies typically cover private usage only. If the car is used for commercial purposes, including earning income, the policy may be voided unless you have specific commercial coverage.
For cases where the car will be used commercially, a dedicated commercial insurance policy is required.
At the Scene of the Accident
1.Ensure Safety & Check for Injuries: First, check yourself and others for injuries. If anyone is injured, call for an ambulance immediately by dialing 999.
2.Call the Police: You are legally required to report the accident to the police if it involves:
Any injury or fatality.
Damage to government property (e.g., lampposts, railings).
A foreign vehicle (e.g., with a license plate from Mainland China or Macau).
Dial 999 to report the incident. For accidents involving only minor vehicle damage and no injuries, the police may advise you to exchange details and proceed to a reporting centre.
3.Gather Evidence:
Take photographs: Capture multiple angles showing the overall scene, the position of all vehicles, close-ups of all damages (with license plates visible), road conditions, traffic signs, and skid marks.
Save dashcam footage: This is crucial evidence for determining fault.
Note down details: Record the date, time, weather, and road conditions.
4.Exchange Information: Calmly exchange the following details with the other driver(s) involved:
- Full Name
- Contact Phone Number
- Insurance Company and Policy Number
- Vehicle Registration Number
- Driver's License Number
5.Do Not Admit Liability: Even if you believe you are at fault, do not admit guilt or promise to pay for damages at the scene. Liability is a complex matter to be determined by the insurers and police.
After Leaving the Scene
1.Report to the Police: If the police attended the scene, they will give you a case number. If not, and the accident is reportable, you must report it at a Police Reporting Centre within 24 hours. You will need the other vehicle's details to do this.
2.Notify Your Insurance Company: You must inform your insurer of the accident as soon as possible, typically within 24 to 72 hours, even if you do not intend to make a claim. Failure to report promptly may result in the insurer declining the claim, and may affect your No-Claim Discount.
3.Submit Your Claim:
- Complete your insurer's Motor Accident Report Form.
- Provide all evidence collected (photos, video, police report number).
- Do not proceed with repairs without your insurer's authorization, as they will need to assess the damage first. They will direct you to an approved workshop.
Important Note: The process for claiming from a third party is handled between the insurance companies. Your insurer will guide you through the process based on the terms of your policy.
