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This insurance is compulsory for owners of commercial vehicles such as lorries, container trucks, tourist buses, taxis or public light buses, in order to cover the legal liability of the vehicle owner and the driver against bodily injury to a third party caused by negligence.
Protection Against Third Party Liability
According to the Motor Vehicles Insurance (Third Party Risks) Ordinance, commercial vehicle owners are required to arrange a motor third party insurance policy with a minimum compensation limit of HK$100 million. Our Commercial Motor Insurance is here to fulfil this purpose.
Option of More Coverage
Vehicle owners may choose to purchase a Comprehensive Motor Policy, which covers not only legal liability against third party bodily injury and property damage, but also accidental damage to the vehicle itself, including theft loss.