Motor Insurance

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.

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.

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%.

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.

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.

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

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

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.

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.

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.

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.

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.

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

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

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.

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.
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