Allianz is the leading motor insurer in Hong Kong, and we believe our success is down to putting the needs of our people first. We offer quality motor insurance products including Comprehensive, Third Party Only, and Electric Vehicle plans to ensure the right level of protection is available, at a competitive price.

Get Your Car Insurance with Allianz

Motor Insurance

Comprehensive Motor Insurance Allianz Hong Kong

Covers your car, damage you cause to other people's vehicles or property, plus personal accident, medical expense and other benefits.

 Comprehensive

Third Party Only Motor Insurance Allianz Hong Kong

Coverage for accidents which cause injury or death to a third party, plus damage to others’ property. Damage to your car is not covered.

Third Party Only

Electric Vehicle Tesla Motor Insurance Allianz Hong Kong

Benefits specially designed for EVs. Covers Internal Electric & Electronic Components, Private Electric Charger Replacement & more.

Electric Vehicle

Which car insurance is right for you?

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<div class="item">Third-Party Only</div>
<div class="item">Comprehensive</div>
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<div class="tableRow">
<div class="item">Own Damage</div>
<div class="item">
<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Covered up to market value/ sum insured</div>
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<div class="tableRow">
<div class="item">Windscreen / Windows Protection</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$5,000</div>
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Your Vehicle

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<div class="tableRow">
<div class="item"></div>
<div class="item">Third-Party Only</div>
<div class="item">Comprehensive</div>
</div>
<div class="tableRow">
<div class="item">Third Party Death or Bodily Injury</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$100,000,000</div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$100,000,000</div>
</div>
<div class="tableRow">
<div class="item">Third Party Property Damage</div>
<div class="item">
<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000,000</div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000,000</div>
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</div>

Your Liability to Third Parties

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<div class="tableRow">
<div class="item"></div>
<div class="item">Third-Party Only</div>
<div class="item">Comprehensive</div>
</div>
<div class="tableRow">
<div class="item">Personal Accident Protection</div>
<div class="item">
<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$250,000</div>
</div>
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<div class="item">Medical Expenses</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$10,000</div>
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Medical Expenses

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<div class="item"></div>
<div class="item">Third-Party Only</div>
<div class="item">Comprehensive</div>
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<div class="item">24-Hour Free Towing Service</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000</div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000</div>
</div>
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<div class="item">24-Hour Emergency Roadside Assistance</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/tick.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" /></div>
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<div class="item">No Claim Discount Protection</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$100,000</div>
</div>
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<div class="item">Courtesy Car</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Max. 5 days up to HK$5,000</div>
</div>
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<div class="item">New for Old Replacement</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Within the first 12 months of the first registration</div>
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<div class="item">Nil Depreciation on Repairs</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Within the first 12 months of the first registration</div>
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<div class="item">Claims Recovery Service</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
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Additional Benefit

Compare Motor Insurance Plans

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<div class="tableRow">
<div class="item"></div>
<div class="item">Third-Party Only</div>
<div class="item">Comprehensive</div>
</div>
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<div class="item">Extended Coverage for liability caused by the direct usage of a Private Electric Charger</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000,000</div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$2,000,000</div>
</div>
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<div class="item">Fully Covered Internal Electric &amp; Electronic Components</div>
<div class="item">
<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Covered up to market value/ sum insured</div>
</div>
<div class="tableRow">
<div class="item">Private Electric Charger Replacement</div>
<div class="item">
<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />HK$5,000; one incident per policy year</div>
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<div class="item">“New for Old” Replacement Car</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
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<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Within the first 12 months of the first registration, even if you are not the first registered owner</div>
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<div class="item">Courtesy Car - Electric Vehicle</div>
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<p class="mobileTitle">Third-Party Only</p>
<img src="/assets/images/icons/cross.svg" alt="" /></div>
<div class="item">
<p class="mobileTitle">Comprehensive</p>
<img src="/assets/images/icons/tick.svg" alt="" />Max. 5 days up to HK$5,000</div>
</div>
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Enjoy Extra Electric Vehicle Exclusive Benefits

Allianz Car Insurance HKTVmall voucher offer

Enjoy a complimentary HKTVmall cash voucher valued up to HK$1000 when you purchase a motor insurance plan directly on this website. Flash Offer ends on 30 April 2024. T&Cs apply. 

Enjoy HKTVmall cash voucher valued up to HK$1000

Enjoy 10% discount on all Motor Insurance plans

Get your car insured with Allianz and enjoy complimentary 24-Hour Emergency Roadside Assistance with a 10% discount. This special offer is exclusive to purchases made on this website. 

Enjoy a 10% discount on all Motor Insurance plans

We are specially customizing complimentary coverage for your Private Electric Charger for Comprehensive motor plans for your Tesla and electric vehicles. Get a quick quote for your electric car insurance today!

Allianz Electric Vehicle Insurance Offer

Get insured with the HZMB HK Cross Border Motor Vehicle Mainland Compulsory Insurance (Traffic Compulsory Insurance), and Supplementary Insurance that provides you extra coverages and protection.

Northbound Travel for Hong Kong Vehicles

Motor Insurance Latest Offer

No Claim Discount (NCD) is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance.

What is No Claim Discount (NCD)?

If you're thinking of insuring your car with Allianz, you may be able to bring your NCD from your former insurer with you to reduce the overall cost of your premium.

If I insure with Allianz, will I be able to bring the NCD from the former insurer?

No, NCD is not transferrable to another person except to your spouse, provided your spouse is purchasing a new motor insurance plan with Allianz. This is a one-time transfer and it is non-reversible. After the transfer, your NCD for your existing motor insurance policy will become 0%.

Can No Claim Discount (NCD) be transferrable?

No Claim Discount (NCD)

Car Insurance excess is the amount you need to contribute towards the cost of repairing your car if you make a claim. To make car insurance premiums more reasonable for everyone, we include an excess in your policy.

What is a Car excess?

There are different types of excesses depending on what your claim relates to, who was driving your car and the type of cover you have chosen. If your claim is for more than one accident or event, you or the driver will have to pay the excess for each accident or event. You can find the amount of each excess you’ll need to pay on your Policy Schedule.

How can I know more about the types of excesses?

Car Excess

Yes. 24-hour towing service is automatically embedded into our insurance plans, even if you buy just Third Party Only coverage.

Is there any 24-hour towing service included?

You can name up to 4 drivers in your policy, one main driver plus 3 other drivers.

How many drivers can I name in my policy?

When Your Vehicle is being repaired and immobilized over 48 hours due to an accident, or if it has been reportedly stolen over 48 hours, Allianz will at its own expense and at your request supply a substitute car; the maximum total cost of this benefit will be limited to 5 calendar days and with a daily limit of HK$1,000.

What does Courtesy Car mean (applicable to Comprehensive insurance package only)?

If there is any accidental breakage of glass in the windscreen or in the windows of Your Vehicle provided that there is no other damage to Your Vehicle, a maximum of HK$5,000 (applicable limit per year) will be paid for the repair or replacement of the glass.

What is the Windscreen Replacement Benefit (applicable to Comprehensive insurance package only)?

Benefits & Policy

When offering you a renewal, we'll send you a car insurance renewal notice at least fourteen (14) days before your renewal date.

Make sure you review your renewal notice, as premiums will change from year to year based on changes to rating factors and costs of repairs or services. Please make sure your details are correct and up to date.

How do I renew my Car Insurance policy?

You can cancel the Policy at any time on seven (7) days’ notice and (provided no claim has arisen during the current Period of Insurance) You shall be entitled to a return of premium less the premium calculated at Allianz short period rates for the period the Policy has been in force.

How can I cancel my motor insurance policy?

If you've decided to sell your car and plan to buy a new car, you may cancel your existing car insurance and get a pro-rata refund when you buy car insurance for your new car. However, if you have no plans to acquire a new car, you will need to contact your insurer to cancel your policy.

What happens to my car insurance if I am selling my car?

You must tell Allianz if any of the following changes for your policy to remain effective:<br>
1. You change Your Motor Vehicle;<br>
2. You modify Your Motor Vehicle (please see paragraph 7.7 of the policy provisions for further details);<br>
3. You wish to add another Named Driver to Your policy or amend the driving restriction;<br>
4. You change the use of Your Motor Vehicle (e.g. change from social domestic and pleasure to business use)<br>
5. You wish to increase your cover (e.g. change from  third party only to comprehensive)

What changes do you need to inform the Insurer during the insurance period?

Policy Renewal, Cancellation or Update

1. Call police immediately<br>
2. Obtain the names and addresses of all parties involved and record all relevant information<br>
3. Notify The Company at the first available opportunity<br>
4. All documents concerning the Accident or loss must be forwarded immediately to The Company<br>
5. For assistance during non-business hours, please call Allianz 24-Hour emergency hotline as specified in the Policy Schedule<br>
6. Do not admit liability or discuss liability issue with any involved third party(ies)<br>

What to do in the event of a Motor Vehicle Accident or loss?

You will receive by email an Allianz policy pack which includes the Policy Schedule and Certificate of Insurance. Such electronic policy documents serve the same purpose as paper copies and you may use them for the said purpose.

Can you provide a hard copy of the policy document as I need to submit it to Transport Department and hire purchase company?

You do not need to submit any supporting documents at the time of purchase. However, before you confirm and pay for the plan, it is a requirement to read and agree to the terms and conditions and declarations, as well as ensure all information given in the application form are true and complete to the best of your knowledge and you have not withheld any material facts which are relevant to or could affect the acceptance of this application by Allianz. Any inaccuracy or non-disclosure may render the policy voidable before. In the event that there is any change in material facts that occurs after the submission of this application but before policy issuance, you shall disclose any such information to Allianz as soon as reasonably possible. <br>
<a href="https://www.personal.allianz.com.hk/en/footer/declarations"><u>See more on declarations</u></a>

Quick Quote for Allianz Motor Insurance

Quick Quote for Allianz Motor Insurance