Private Car Insurance

In Hong Kong Law, having adequate insurance for your vehicle is every car-owner’s responsibility. You have to buy an insurance covering your legal liability to any third parties, including death of or bodily injury to third parties as well as damage to the property of third parties. Min Xin is ready to offer you a Private Car Third Party insurance plan to cater for this legal requirements.

Other than Third Party Insurance plan, whether you need personal accident protection, free windscreen coverage, NCB protection or third party claims recovery service, our Private Car comprehensive insurance plan can meet your every needs.

Medical Expense – Driver & Occupant

Min Xin provides the medical expenses for the Insured or the Insured Driver or any occupants of the motor car, up to HK$2,000 per policy year.

Personal Accident Coverage

Up to a maximum of HK$100,000 per policy year in the event of accidental death or total permanent disablement in a traffic accident, for the Insured or any Named Driver.

No Claim Discount (NCD) Protection

You can maintain your existing No Claims Discount (NCD) at renewal even if you make the claim(s) within a year provided that the total claim amount does not exceed HK$80,000 or 20% of the sum insured (whichever is the lesser)

Claims Recovery Service

In the event of an accident caused by the third party’s fault, Min Xin will seek recovery from the responsible third party on your behalf. You will continue to enjoy the existing NCD and reimbursed against the excess amount already paid by you, if the recovery is successful

Windscreen Accident Cover

If your front and / or rear windscreen is broken, Min Xin covers the replacement cost without excess & your NCD remains unaffected. The maximum amount depends on the make & model of your car.

New for Old Replacement Car

If the motor car is less than 1 year old at the time of accident giving rise to a claim, a new car of the same make and model will be provided as compensation by Min Xin (without making any deduction for depreciation), when the Insured car was stolen or has sustained a total loss.

Engineering – Contractors’ All Risk

Third party liability or damage to works may result in extensive financial losses to the contractor and principal. Min Xin designs Contractors’ All Risk insurance plan to protect you against the loss, which included the legal liability towards third party & material damage to works.

Engineering – Interior Decoration

Min Xin’s Interior Decoration insurance plan protects you against the loss due to the decoration, maintenance, or renovation work at your shop and office premises. This plan covers not only the cost of damaged decoration materials but also the potentially huge claim amount of third party liability. Ensured your project can enjoy all-round coverage.