Motor Insurance
Owning a car in Hong Kong comes with responsibilities — not just maintenance, but ensuring that you’re legally and financially protected. A minor accident or parking scrape can lead to significant bills, and without proper insurance, those costs fall directly on you.
Motor Insurance provides peace of mind by covering damage to your vehicle and liability to others. At Expat Insurance Hong Kong, we help expats and locals choose policies that fit their driving habits, budget, and legal obligations — ensuring every trip is protected from start to finish.
With Motor Insurance, you’re covered not just for accidents, but for the many unexpected costs that come with owning a car in Hong Kong.
Why Work With Expat Insurance?
Expert Guidance. Hassle-Free Service. Fast Claims.
Motor policies can be confusing — with fine print, excess amounts, and countless exclusions. We make it simple, ensuring your coverage is clear, fair, and reliable.
We assess your vehicle and needs.
We identify the right level of cover for your car’s age, value, and use.
We compare insurer options.
We review multiple providers to find the best balance of price and protection.
We handle your renewals.
We make sure your policy stays current, with no gaps or lapses in cover.
We support your claims.
If an accident occurs, we coordinate with insurers to speed up settlements.
Why Choose Motor Insurance?
By law, third-party motor insurance is mandatory in Hong Kong. But basic policies only cover injury or damage you cause to others — not your own car. For complete protection, a comprehensive policy is essential, safeguarding against theft, collisions, fire, and even acts of nature.
What Does Motor Insurance Include?
- Third-Party Liability – covers injury or property damage to others.
- Own Vehicle Damage – repair or replacement for your car after accidents.
- Theft & Fire Protection – compensation for stolen or fire-damaged vehicles.
- Personal Accident Cover – lump-sum benefits for driver and passengers.
- Natural Disaster Protection – damage caused by flooding or typhoons.
- No-Claim Discount (NCD) – lower premiums for claim-free drivers.
Whether you drive daily or occasionally, Expat Insurance ensures your policy fits your real-world risks — so you can drive with confidence and total peace of mind.
Possible Pitfalls We Help You Avoid
Underinsured drivers: Many only carry minimum legal cover. We can ensure comprehensive protection for both third-party and own damage.
Excess confusion: Hidden excess fees can surprise drivers. We help you understand and reduce your out-of-pocket costs.
Unamed drivers: Unamed drivers driving your vehicle may be subject to a higher excess. We ensure you are aware of these hidden clauses.
- Accident Cover While Abroad – Driving your vehicle outside Hong Kong can affect coverage under some policies. We help secure protection so you remain insured even when travelling internationally.
At Expat Insurance, we’ve helped countless clients recover quickly from collisions, claims, and costly surprises. With our experience and partnerships, you’ll always have the right protection on the road.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are common occurrences in Hong Kong, where one hospital stay, accident, or sudden illness can quickly become a financial burden. The difference between being protected and exposed often comes down to a single factor: having the right insurance policy.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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