Private Motor Car Insurance Plan- Table Of Benefits

Table of Benefits



Third Party


I. Basic Coverage

  1. Own damage, fire and theft cover


  1. Third party bodily injury and property damage

II. Extra Benefits

  1. Personal accident protection

Medical expense and hospital cash allowance


Sum Insured


  1. Free choice of your favourite repairer


 3. NCD protection


 4. Front windscreen cover


Up to HKD6,000

 5. Claims recovery service


 6. New for old replacement vehicle


 7. Temporary substitute vehicle

Referral Service

  Up to HKD6,0003     

 8. Free 24-hour emergency roadside repair service  


Up to HKD2,000 per year  

 9. Free 24-hour emergency towing service


Up to HKD2,000 per year  


HKD200,000 Personal Accident Protection for Driving Named Driver For Comprehensive 1

The Driving Named Driver under comprehensive policies shall be entitled to the Personal Accident Protection of HKD200,000, the compensation of medical expenses up to HKD5,000 per accident and the daily hospital cash allowance up to HKD6,000 per accident.


Free Choice of Your Favourite Repairer

In respect of any event giving rise to a claim, you can choose your favourite repairer for any repairs you might need for your car. This provides greater flexibility and convenience to address your personal needs.

*Applicable to repairers located in Hong Kong only.


Special Discount for Our Existing Customers and Designated Professionals2

If you are our existing customers (including policyholders of all vehicle types) and intend to buy a new private motor car insurance policy from us, we shall offer special 5% discount on each new policy underwritten.

We also offer special 5% discount for designated professionals (including doctors, lawyers, accountants, actuaries, chartered secretaries). The designated professionals should provide business card or other supporting documents to us for verification within 30 days after the cover notes being issued (Not applicable to renewal client).


No Claim Discount (NCD) Protection

No matter how many claims you make, if the total amount of claims within one policy year does not exceed HKD60,000 or 15% of the insured car value (whichever is the lower), you will keep your existing NCD at renewal.


Front Windscreen Cover

In case the front windscreen of your car is broken, the replacement is covered by us up to the maximum of HKD6,000 per year, on the condition that the initial HKD500 will be borne by you per case and the repair is carried out by our appointed windscreen repairers (If the repair is carried out by any other repairers, the Insured has to bear the first HKD1,500 of the repair coast).


Claims Recovery Service

In the event of an accident caused by a third party, we will seek recovery from the responsible third party on your behalf. If the recovery is successful, the amount covered will be reimbursed against the general excess amount already paid by you and you will continue to enjoy the benefits of your NCD.


New for Old Replacement Vehicle

For the car less than one year old, if it is stolen or has sustained a total loss, a new car of the same make and model will be provided as compensation. This will provide you more savings.


Temporary Substitute Vehicle

In the event that your car is immobilized by an accident and needs repairs for more than 48 hours, or if it is stolen for more than 48 hours, we can arrange a substitute vehicle for you. The cost of the vehicle rental will be borne by us up to the maximum of HKD6,000 (subject to HKD1,000 per day and an excess of 20% per each rental).


Free 24-hour Emergency Roadside Service

If your car suffers a mechanical breakdown or an accident, just call our 24-hour support hotline 2926-2926. The emergency assistance provided by our appointed repairers is on-call to help you and your car to get back on the road safely as soon as possible. Maximum benefit is HKD2,000 per year.


Free 24-hour Emergency Towing Service

If your car is beyond repair on the spot, we will immediately arrange a towing service to any place in Hong Kong requested by you or to our appointed repairers. Maximum benefit is HKD2,000 per year. (The towing service must be arranged by us.)


 24- hour support hotline: 2926 2926


Obtain Quote Now



1. “Driving Named Driver” means the named driver who is driving the vehicle when the accident occurs. Target Insurance Company, Limited reserves the right of final interpretation and approval.

2.The two discount offers cannot be used in conjunction with each other. Target Insurance Company, Limited reserves the right of final interpretation, the right to change the terms and conditions and the right to terminate the promotions at any time without prior notice.

3. The vehicle rental expense covered by us is subject to HKD1,000 per day and an excess of 20% per each rental.

This brochure is for information only and does not constitute any part of the insurance contracts. Any information given herein is subject to the precise terms and conditions in the policy. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. Target Insurance Company, Limited reserves the right of final interpretation and approval (The English version shall prevail in case of inconsistency between the English and Chinese versions).


Contact Us
2926 2926
Documents submission
2926 2926
Documents submission
Office Hours
Monday To Friday:
9:00am to 1:00pm, 2:00pm to 5:30pm
Saturday, Sunday and Public Holidays:
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