{"id":8767,"date":"2025-08-13T05:26:59","date_gmt":"2025-08-13T05:26:59","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8767"},"modified":"2026-10-15T06:32:03","modified_gmt":"2026-10-15T06:32:03","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 peace of mind behind the wheel with our motor insurance solutions.<\/p><p class=\"desc mb-0\">We arrange Private Car insurance with 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\/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;\">Protects against NCD reduction in the event of a claim within the limitation during the 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 \">\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 vehicles within 12 months (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 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\/2026\/10\/windscreen-waiver-icon-64.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Excess Waiver for Windscreen<\/h5><p style=\"color: #D4D4D4;\">Excess waiver for windscreen damage, subject to a sub-limit, for comprehensive cover.<\/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 generally meet the following criteria:<\/p><ul><li>Be at least 18 years old (most insurers may require <b>25+<\/b>).<\/li><li>Be residing in Hong Kong<\/li><li>Be the registered owner of the car to be insured<\/li><li>Be medically fit to drive and fulfil all driving regulations<\/li><li>Have driving experience of at least <b>2 years<\/b><\/li><li>Have not been previously declined insurance for any reason<\/li><li>Have <b>no claim record in the past 3 years<\/b><\/li><li>Your car has no modifications that are non-compliant 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 <b>two types<\/b> of car insurance to choose from: Third Party Only insurance and Comprehensive Car 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 two 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 cheaper of the two options, but it also provides the least coverage. It only covers damage caused to other people's property, such as their vehicles, buildings or street signboards, and injury or death caused to passengers and other parties. It does not cover damage to your own car.<\/div><div class=\"desc mt-10\">If you have an accident that damages both your car and another person's car, the insurance will pay for the damage to the other person's car, but not for the damage to your own car. You will have to bear the cost of repairing your own car.<\/div><div class=\"desc mt-10 mb-20\">Some drivers choose TPO insurance if they drive an older car that they are willing to scrap if it is damaged. Please note that not all insurance companies offer TPO insurance.<\/div><h6 class=\"title\">Comprehensive Car Insurance<\/h6><div class=\"desc\">This option provides the most coverage. In general, these policies cover damage to your own car from accidents, regardless of which party is at fault, as well as damage from fire, vandalism and theft. They also cover damage you cause to other people's property and injury caused to others. The exact coverage depends on the insurer and the policy. Some insurers cover riots and natural disasters such as earthquakes, while others do not, or offer them as an add-on at additional cost. Different policies may also differ on whether your personal belongings are insured.<\/div><div class=\"desc mt-10 mb-20\">If your car is financed by a bank loan, the bank may require you to take out comprehensive cover.<\/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\"><p>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:<\/p><p>The <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 <b>Notice of Transfer<\/b> (TD25 form) available from the Transport Department.<\/li><li>Or a copy of the <b>de-registration confirmation<\/b> from the Transport Department.<\/li><\/ul><ul><li>The cancellation takes effect from the <b>date of notification to ION or the insurer<\/b>.<\/li><li>Please return the original documents to the insurer, if required.<\/li><li>Any refund of premium will be <b>subject to the minimum premium<\/b>.<\/li><\/ul><\/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\"><p>Most car insurance policies in Hong Kong provide coverage <b>only within Hong Kong<\/b>. However:<\/p><ul><li>You could extend the <b>own damage cover to Mainland China (Guangdong Province)<\/b>, and an additional premium will be charged.<\/li><li><b>Rental car protection is not covered.<\/b><\/li><\/ul><p><b>Always check your policy details<\/b> or contact us to confirm coverage before driving outside Hong Kong.<\/p><\/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 Hong Kong, 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 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 <b>report the accident to your insurer immediately<\/b>, and ION will assist you to monitor the claim process.<\/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?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"66b3eebct_accordion-cbfd965\" class=\"ct-ac-content\"><p><b>Dishonesty<\/b><\/p><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 cancelled. 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?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"0edba97ct_accordion-cbfd965\" class=\"ct-ac-content\"><p><b>At the Scene of the Accident<\/b><\/p><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 may result in the insurer declining the claim, and may 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=\"66\"\/><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 peace of mind behind the wheel with our motor insurance solutions. We arrange Private Car insurance with 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 Allowance, Rented Car Allowance and more. 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