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Product Highlights |
1. No Claim Discount Protection
This protection exempts the deduction of the No Claim Discount (NCD) due to a minor claim. If the total claim incurred during the period of insurance does not exceed HK$50,000, the NCD will not be deducted upon the renewal of the policy under the SCB Private Car Insurance Plan.
2. New for Old Replacement Car
In the event of the private car sustaining a total loss due to an accident or theft, the insurer will replace it by the same make and model without deducting any depreciation provided that the accident occurs within one year from the date of manufacture of the car and the Insured is its first registered owner.
3. Personal Accident and Medical Expenses Protection
The Insured as well as the Named Driver of the private car can enjoy free of charge Personal Accident and Medical Expenses Protection for a maximum amount of HK$100,000 and HK$5,000 respectively.
4. Windscreen Protection
In respect of loss or damage to the front windscreen where the repair cost does not exceed HK$4,000, no policy excess will be deducted from the claim amount payable and the NCD will not be deducted upon policy renewal.
5. 24-hour Emergency Roadside Service
If the Private Car breaks down mechanically or is immobilized due to an accident, the insurer will provide emergency roadside repair service subject to a maximum amount of HK$2,000 per event.
6. 24-hour Emergency Towing Service
If the private car breaks down mechanically or is immobilized due to an accident and is beyond repair at roadside, the insurer will provide emergency towing service subject to a maximum amount of HK$2,000 per event.
7. Temporary Use of Vehicle
If the private car is stolen and is not found within 48 hours or immobilized due to an accident requiring a repair period exceeding 48 hours, we will pay an allowance for a rental car subject to a maximum amount of HK$4,000 each accident.
8. Claims Recovery Service
We will assist in pursuing recovery against a liable third party for the loss sustained by the Insured including the policy excesses. If successful, we will reinstate the NCD for the Insured.
9. 24-hour Legal Information Enquiry Service
We will, as requested, provide over the phone any general information on the Road Traffic Ordinance of Hong Kong.
10. 24-hour Claim Enquiry Service
A claim service hotline is available to advise on claim procedures.
Remarks: Comprehensive Policyholders are entitled to all of the above benefits while Third Party Policyholders are entitled to benefits under Items 9 and 10 above only.
The above description is for reference only. Please refer to the policy document for detailed terms, conditions and exclusions.
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(852) 2902 4332