{"id":8767,"date":"2025-08-13T05:26:59","date_gmt":"2025-08-13T05:26:59","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8767"},"modified":"2025-08-28T01:26:50","modified_gmt":"2025-08-28T01:26:50","slug":"car","status":"publish","type":"page","link":"https:\/\/iongroup.hk\/?page_id=8767","title":{"rendered":"Car"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8767\" class=\"elementor elementor-8767\" data-elementor-post-type=\"page\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-8820679 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"8820679\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b93533\" data-id=\"7b93533\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4bfa9d7 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"4bfa9d7\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d948e7\" data-id=\"0d948e7\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \n\t\t<div class=\"elementor-element elementor-element-5ad8e63 elementor-hidden-mobile elementor-widget elementor-widget-ct_heading\" data-id=\"5ad8e63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-5ad8e63\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h1 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Your Car\n\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h1>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-836c6da elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-ct_heading\" data-id=\"836c6da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-836c6da\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Your Car\n\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-69862f99 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"69862f99\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-38f36585\" data-id=\"38f36585\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-27f4caa3 wow fadeInUp elementor-widget elementor-widget-text-editor\" data-id=\"27f4caa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"desc mb-0\">Gain a peace of mind when you are behind the wheels with our motor insurance solutions.<\/p><p class=\"desc mb-0\">We help you to provide Private Car insurance which offers customisable coverage plans at competitive rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1be6012 elementor-widget elementor-widget-ct_button\" data-id=\"1be6012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_button-1be6012\" class=\"ct-button-wrapper ct-button-layout1 icon-left btn--inline \">\n    <div class=\"ct-inline-css\"  data-css=\"\n        \">\n    <\/div>\n            <span class=\"ct-icon-active\"><\/span>\n        <a href=\"#enquire\" class=\"btn btn-default icon-active btn-inline-block  \" data-wow-delay=\"ms\">\n                            <span class=\"ct-button-icon ct-align-icon-left\">\n                <i aria-hidden=\"true\" class=\"far fa-arrow-alt-circle-right\"><\/i>            <\/span>\n                <span class=\"ct-button-text\">ENQUIRE NOW<\/span>\n    <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68a591a4\" data-id=\"68a591a4\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-7a501f29 wow fadeInRight elementor-widget elementor-widget-ct_banner\" data-id=\"7a501f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-banner1 \" data-wow-delay=\"ms\">\n\t<div class=\"ct-banner-imge\">\n    \t<img fetchpriority=\"high\" decoding=\"async\" width=\"535\" height=\"536\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-your-car-inquire.jpg\" class=\"attachment-full size-full wp-image-8770\" alt=\"\" srcset=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-your-car-inquire.jpg 535w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-your-car-inquire-300x300.jpg 300w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-your-car-inquire-150x150.jpg 150w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/>        <h3 class=\"ct-banner-title\">Private Car insurance<\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-c14e78e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"c14e78e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a4adfa\" data-id=\"72a4adfa\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7c02717f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"7c02717f\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cd76c9c\" data-id=\"cd76c9c\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-3baf452b elementor-widget elementor-widget-ct_heading\" data-id=\"3baf452b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-3baf452b\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-default wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Types of Car Insurance\n\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7152778a\" data-id=\"7152778a\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-26c04c70 elementor-widget elementor-widget-text-editor\" data-id=\"26c04c70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-title style-ion mb-22 md-mb-22\"><div class=\"last-half\"><p class=\"desc mb-0 pr-10\">A comprehensive Car Insurance will cover Roadside Assistance, Daily Transport Allowance, Rented Car Allowance and more. Do contact us to enquire.<\/p><\/div><\/div><div class=\"row mt-80\"><div class=\"col-lg-4 col-md-6 mb-25\"><div class=\"single-services-wrap\">\u00a0<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<div class=\"elementor-element elementor-element-ad8f8a0 elementor-widget elementor-widget-ct_fancy_box_grid\" data-id=\"ad8f8a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_fancy_box_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_fancy_box_grid-ad8f8a0\" class=\"ct-grid ct-fancy-box-grid ct-fancy-box-grid1\">\n        <div class=\"ct-inline-css\"  data-css=\"\n            \">\n        <\/div>\n        <div class=\"ct-grid-inner ct-grid-masonry row\" data-gutter=\"7\">\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/transport.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Coverage for Personal Accident<\/h5><p style=\"color: #D4D4D4;\">This includes disablement and death<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/refund.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Cover for leisure sports<\/h5><p style=\"color: #D4D4D4;\">You can enjoy a wide range of leisure sports from skiing to skydiving with no worries.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ship.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Free 24\/7 Roadside Assistance<\/h5><p style=\"color: #D4D4D4;\">Provides free towing services if your car breaks down, as well as roadside assistance to fix minor problems like flat tires.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/driving-1.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">NCD Protector <\/h5><p style=\"color: #D4D4D4;\">Protect against NCD reduction in the event of 1st claim during policy year.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner active\">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/car.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">New for Old Replacement <\/h5><p style=\"color: #D4D4D4;\">Applicable to vehicle within 36 months old (from vehicle first registration)<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/photo.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Excess waiver for in-car camera<\/h5><p style=\"color: #D4D4D4;\">Enjoy lower payments and prevent frauds when you share your in-car camera footage with us.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                        <div class=\"grid-sizer col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\"><\/div>\n        <\/div>\n    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-47cb6f50 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"47cb6f50\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-2f4f5ce\" data-id=\"2f4f5ce\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-4aed9b10 elementor-widget elementor-widget-spacer\" data-id=\"4aed9b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16ab5412 elementor-widget elementor-widget-ct_heading\" data-id=\"16ab5412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-16ab5412\" class=\"ct-heading h-align- sub- ct-heading-left item-st-line-left1\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left1 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                                    <i><\/i>\n                \n                FAQ\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-530406a6 e-flex e-con-boxed e-con e-parent\" data-id=\"530406a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbfd965 elementor-widget elementor-widget-ct_accordion\" data-id=\"cbfd965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_accordion-cbfd965\" class=\"ct-accordion layout1 style1 \">\n                    <div class=\"ct-accordion-item active\">\n                <div class=\"ct-ac-title active\" data-target=\"#acacd61ct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        1. What is the criteria for me to qualify for car insurance under my insurer?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"acacd61ct_accordion-cbfd965\" class=\"ct-ac-content\" style=\"display:block;\"><div class=\"desc\"><p>To qualify for car insurance, you must meet the following criteria:<\/p><ul><li>Be 18 (some insurers may require\u00a0<b>21+<\/b>for full coverage).<\/li><li>Be residing in Hongkong<\/li><li>Be the registered owner of the car to be insured<\/li><li>Be medically fit to drive and fulfill all driving regulations<\/li><li>Have driving experience of at least 1 year<\/li><li>Have not been previously denied from insurance for any reason<\/li><li>Have made no more than 2 claims in the past 3 years<\/li><li>Your car has no modification that are non-compliances or not approved by the Transport Department.<\/li><li>The car to be insured must not be more than 15 years old.<\/li><li>There are three types of car insurances to choose from: Third Party Only insurance; Comprehensive Car insurance and Third Party, Fire and Theft insurance.<\/li><\/ul><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#1d7350fct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        2. The three types of Car Insurance                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"1d7350fct_accordion-cbfd965\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><h6 class=\"title\">Third Party Only Insurance<\/h6><div class=\"desc\">Third Party Only (TPO) insurance is the cheapest option out of the three, however it also provides the least coverage - it will only cover damages caused to other people\u2019s property, such as their automobiles, house property or street signboards. If you cause injuries or death to passengers and other parties, your insurance company will also cover that. However, the policy will not cover damages to your own car.<\/div><div class=\"desc mt-10\">If you encounter an accident that causes damage to both your's and the other person's car, the insurance will pay for the damage of the other person's car, but it will not pay for damage done to your own car. You will have to bear the cost of repair of your own car.<\/div><div class=\"desc mt-10 mb-20\">People might opt for the TOP insurance option if they drive an old car that they are willing to scrap if the car is damaged. TPO insurance is the minimal coverage available for your vehicle. Take Note that not all insurance companies offers TPO insurance.<\/div><h6 class=\"title\">Third Party, Fire, and Theft<\/h6><div class=\"desc mb-20\">This policy is similar to the TPO policy. If you encouter an accident that causes damage to both your's and the other person's car,, the policy will cover damages to the other person's car only. However, this policy will further protect your car from damages on fire, vandalism or stolen.<\/div><h6 class=\"title\">CompreheTnsive Car Insurance<\/h6><div class=\"desc\">This option provides the most coverage out of the three options. In general, these policies will at least cover damage to your car from accidents - regardless of which parties is at fault - as well as protection to damage on fire, vandalism and theft. The policies will also protect you from damage that you cause to other person's property or injury caused to another. In a comprehensive insurance package, the coverage will be depending on the insurance company and the policy. Some insurance companies cover local riots and acts of God like earthquake, while some will not, or offer it as additional add-on and cost. Even for the same company, different policies can offer coverage for different aspects such as if your your personal items are insured.<\/div><div class=\"desc mt-10 mb-20\">If a bank loan is taken, it may be an complusory requirement from the bank that you must take on a comprehensive coverage to protect itself.<\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#46d32d1ct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        3. If I sold or de-registered my car within the period of my insurance policy, what should I do?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"46d32d1ct_accordion-cbfd965\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><div class=\"desc\"><p>You should contact your insurance provider immediately to cancel your policy. Typically, you will need to submit a written request for cancellation along with the following supporting documents:<\/p><p>The\u00a0<b>original certificate of insurance<\/b>.<\/p><p>Proof of the vehicle's sale or de-registration, such as:<\/p><ul><li>A copy of the\u00a0<b>Notice of Transfer<\/b>(TD25 form) available from the Transport Department.<\/li><li>Or a copy of the\u00a0<b>de-registration confirmation<\/b>from the Transport Department.<\/li><\/ul><p>The cancellation will usually take effect from the date the vehicle was sold or de-registered, provided we receive the required documents. It is important to do this promptly, as you may be eligible for a refund of the unused portion of your premium, minus any administrative fees.<\/p><p><b>Please send your cancellation request and documents directly to your insurer.<\/b><\/p><\/div><\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#e9aa91ect_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        4. Does my car insurance cover driving outside Hong Kong?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"e9aa91ect_accordion-cbfd965\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><p><b>A:<\/b>\u00a0Most car insurance policies in Hong Kong provide coverage\u00a0<b>only within the SAR<\/b>. However, some comprehensive plans may include:<\/p><p><b>Limited coverage in mainland China<\/b>\u00a0(e.g., short trips to Guangdong) if pre-approved.<\/p><p><b>Rental car protection abroad<\/b>\u00a0(varies by insurer).<\/p><p><b>Always check your policy details<\/b>\u00a0or contact us to confirm coverage before driving overseas.<\/p><\/div><\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#d62a6cfct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        5. If a car accident happens outside of HK, what should I Do ?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"d62a6cfct_accordion-cbfd965\" class=\"ct-ac-content\"><p>If the car accident happens within the insured geographical area of your policy, a police report is required from the country where it happened. When you return to HK, you are required to report the accident to any of the insurer-approved reporting centres with the police report you have made.<\/p><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#66b3eebct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        6. What are the things that could possibly void my car insurance? Dishonesty                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"66b3eebct_accordion-cbfd965\" class=\"ct-ac-content\"><p>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.<\/p><p><b>Lack of Cooperation<\/b><\/p><p>Refusing to cooperate with the insurance company or failing to provide relevant information during an investigation may result in a denied claim.<\/p><p><b>Driving Under the Influence<\/b><\/p><p>The policy will not cover any incidents resulting from driving under the influence of alcohol or drugs.<\/p><p><b>Fronting<\/b><\/p><p>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 canceled. Even minor inaccuracies in your driving details can void the policy, even without intentional fronting.<\/p><p><b>Illegal Activities<\/b><\/p><p>The policy does not cover any illegal activities, such as street racing. Claims related to these activities will be denied.<\/p><p><b>Modifications to Your Car<\/b><\/p><p>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.<\/p><p>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.<\/p><p><b>Using Your Car for Commercial Purposes<\/b><\/p><p>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.<\/p><p>For cases where the car will be used commercially, a dedicated commercial insurance policy is required.<\/p><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#0edba97ct_accordion-cbfd965\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        7. What are the steps that I should take after a car accident in Hong Kong? At the Scene of the Accident                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"0edba97ct_accordion-cbfd965\" class=\"ct-ac-content\"><p>1.<b>Ensure Safety &amp; Check for Injuries:<\/b>\u00a0First, check yourself and others for injuries. If anyone is injured, call for an ambulance immediately by dialing\u00a0<b>999<\/b>.<\/p><p>2.<b>Call the Police:<\/b>\u00a0You are legally required to report the accident to the police if it involves:<\/p><p>Any injury or fatality.<\/p><p>Damage to government property (e.g., lampposts, railings).<\/p><p>A foreign vehicle (e.g., with a license plate from Mainland China or Macau).<br \/>Dial\u00a0<b>999<\/b>\u00a0to 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.<\/p><p>3.<b>Gather Evidence:<\/b><\/p><p><b>Take photographs:<\/b>\u00a0Capture 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.<\/p><p><b>Save dashcam footage:<\/b>\u00a0This is crucial evidence for determining fault.<\/p><p><b>Note down details:<\/b>\u00a0Record the date, time, weather, and road conditions.<\/p><p>4.<b>Exchange Information:<\/b>\u00a0Calmly exchange the following details with the other driver(s) involved:<\/p><ul><li>Full Name<\/li><li>Contact Phone Number<\/li><li>Insurance Company and Policy Number<\/li><li>Vehicle Registration Number<\/li><li>Driver's License Number<\/li><\/ul><p>5.<b>Do Not Admit Liability:<\/b>\u00a0Even 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.<\/p><p><b>After Leaving the Scene<\/b><\/p><p>1.<b>Report to the Police:<\/b>\u00a0If 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\u00a0<b>Police Reporting Centre<\/b>\u00a0within 24 hours. You will need the other vehicle's details to do this.<\/p><p>2.<b>Notify Your Insurance Company:<\/b>\u00a0You must inform your insurer of the accident\u00a0<b>as soon as possible, typically within 24 to 72 hours<\/b>, even if you do not intend to make a claim. Failure to report promptly could void your policy or affect your No-Claim Discount.<\/p><p>3.<b>Submit Your Claim:<\/b><\/p><ul><li>Complete your insurer's\u00a0<b>Motor Accident Report Form<\/b>.<\/li><li>Provide all evidence collected (photos, video, police report number).<\/li><li>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.<\/li><\/ul><p><b>Important Note:<\/b>\u00a0The 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.<\/p><\/div>\n            <\/div>\n            <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1b57503e\" data-id=\"1b57503e\" data-element_type=\"column\" data-e-type=\"column\" id=\"enquire\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    <div class=\"elementor-background-overlay\"><\/div>\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19028d2c elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"19028d2c\" 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Your data will be processed in accordance with our <a href=\"https:\/\/iongroup.hk\/?page_id=9169\" target=\"_blank\" style=\"text-decoration: underline !important;\">Privacy Policy<\/a>. <a href=\"https:\/\/iongroup.hk\/?page_id=9177\" style=\"text-decoration: underline !important;\">Terms & Conditions<\/a> applies.\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><button type=\"submit\" class=\"wpcf7-submit btn btn-block\"><i class=\"fac fac-check-circle space-right\"><\/i>Get Quote Now<\/button>\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"126\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n            <\/div>\n        <\/div>\n            <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your Car Your Car Gain a peace of mind when you are behind the wheels with our motor insurance solutions. We help you to provide Private Car insurance which offers customisable coverage plans at competitive rates. ENQUIRE NOW Private Car insurance Types of Car Insurance A comprehensive Car Insurance will cover Roadside Assistance, Daily Transport [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8767","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8767"}],"version-history":[{"count":22,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8767\/revisions"}],"predecessor-version":[{"id":9526,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8767\/revisions\/9526"}],"wp:attachment":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}