• Protection scope
• 24 hours free emergency referral service
• Additional Benefit: Hong Kong-Zhuhai-Macao Bridge Hong Kong cross-border vehicle insurance ("HZMB" plan)
  Coverage Details
  Claims Services

 

Protection Scope

Coverage Type	Third Party Risks Coverage	Comprehensive Coverage
Coverage	To protect you and/ or your driver of the insured vehicle for their legal liabilities in respect of death of or bodily injury to any third party person; and/ or damage to property of any third parties arising out of an accident in connection with the insured vehicle.	To protect you against loss of or damage to the insured vehicle resulting from collision, fire, theft, and other accidental losses as well as protects you under Third Party Risks Coverage.
	Maximum limit
Own Damage	N/A	Up to Sum Insured
Third Party Bodily Injury	100,000,000	100,000,000
Third Party Property Damage	2,000,000	2,000,000
Medical Expenses	N/A	Yes
Windscreen Protection	N/A	5,000
No Claim Discount Protection	Up to 60%	Up to 60%
24 hours towing service	N/A	Yes
24 hours emergency roadside assistance service	N/A	Yes

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24 hours free emergency referral service

• 24 hours towing service
• 24 hours emergency roadside assistant service
  

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Additional Benefit: Hong Kong-Zhuhai-Macao Bridge Hong Kong cross-border vehicle insurance ("HZMB " plan)

Area	Guangdong Province, the People's Republic of China
Type	SALI	Commercial Vehicle Insurance
Description	The compulsory insurance system implemented by the laws of the Mainland, the full name is " Statutory Motormobile Liability Insurance ", referred to as "SALI", is the compulsory liability insurance that compensates for personal injury or property damage to persons within the limits of liability underwritten by an insurance company for the insured motor vehicle caused by a road traffic accident (excluding the vehicle drivers and the insured).	Motor vehicle third party liability insurance	Passenger liability insurance limit/per seat
Sum insured	Limits of compensation for Motor vehicle liability in road traffic accident Death and disability compensation limit: 180,000 Medical expenses compensation limit: 18,000 Property damage compensation limit: 2,000 Limits of compensation for Motor vehicles not liable in road traffic accidents Death and disability compensation limit: 18,000 Limit of compensation for medical expenses: 1,800 Property damage compensation limit: 100	1,000,000/ 1,500,000/ 2,000,000/ 3,000,000/ 5,000,000	10,000/ 30,000/ 50,000/ 100,000

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Claims Services

Emergency report phone details
Occurs in the Hong Kong SAR, the People's Republic of China	Call the police in the Hong Kong SAR of the People's Republic of China (Tel: 999) and/or contact “BOCOM insurance” for claims processing (Tel: 2591 2938)
Occurs in Guangdong Province, the People's Republic of China	Immediately report to the Mainland traffic police (Tel: +86 110) and call BOCOM insurance's service agency in Mainland China-Pacific insurance for claims processing (Tel: +86 95500)

Insurance Authority Premium Levy

Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.

Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

Policy Inception Date and/or Annual Anniversary Date	Applicable Levy Rate	Cap Per General Insurance Policy Per Policy Year (HK$)
From 1 Apr 2019 till 31 March 2020 (both dates inclusive)	0.06%	3,000
From 1 Apr 2020 till 31 March 2021 (both dates inclusive)	0.085%	4,250
From 1 Apr 2021 onwards (date inclusive)	0.10%	5,000

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Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our outlets or call our customer service hotline.

Note:

1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd.

 

Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited (the “Bank”). In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China BOCOM Insurance Co., Ltd. and the customer.