No matter how well you look after your car, accidents always happen. Besides suffering loss of money on the repairing costs of your car, you may also be liable to compensate any third parties involved. To help you cope with the unexpected misfortune, Prudential now offers you a comprehensive motor insurance with wider cover and the most ready assistance.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

Note: The details listed are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.

Features

PRUchoice Motor provides a comprehensive protection for your car and protects you against legal liability to compensate any third parties involved.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Advantages
  1. You can keep your NCD even with claims in the period of insurance.
  2. We replace a new car for you under "Zero %" Depreciation Section.
  3. We pay for the repair cost of windscreen without affecting your NCD entitlement and no excess will be applied as well.
  4. We provide 24-Hour towing service for free.
  5. We provide transportation cost subsidy without any restrictions on the use of subsidy granted.
  6. We provide claims recovery service to refund the excess you paid and reinstate your NCD if we successfully pursue a recovery from the liable third party.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Premium

Subject to individual indemnifying, premium calculation is based on the Sum Insured.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Product FAQ
Q:  Are there any limitations on the number of claims submitted in a year if the insured wants to enjoy the coverage of PRUchoice NCD Protector?
A:  No, there is no limitation on the number of claims submitted in a year for entitlement of PRUchoice NCD Protector as long as the total claim amount does not exceed HK$60,000 or 15% of the estimated value of the car, whichever is the lesser.

Q:  Under 'Zero %' Depreciation, in case the insured has effected PRUchoice Motor comprehensive motor plan and his car sustains a total loss subsequently, Prudential will compensate him with a new car of the same model. However, can the insured opt for money which is equal to the full value of the new replacement car instead?
A:  No, as per policy wordings in relation to 'Zero %' Depreciation, we will only indemnify the insured with a new replacement car.If compensation in cash is required, the compensation wil be subject to depreciation as if no benefits under 'Zero %' Depreciation is applied.

Q:  If the insured submitted two claims in which only the front-windscreen is damaged, would the insured's NCD be affected at next renewal if each of the claims was less than HK$5,000?
A:  In case the insured has two claims for the accidental damage of front-windscreen alone during the period of insurance and the repair cost in each claim does not exceed HK$5,000, Prudential will indemnify the insured in full without applying any excess. The insured's NCD at next renewal will be unaffected to a level as if no claims had occurred.

Q:  If the insured needs towing service at roadside, what should he do?
A:  The 24-hour free towing service under PRUchoice Motor is arranged for the insured. If the insured's car is immobilized and cannot be repaired at the roadside following an accident or mechanical breakdown, he should contact the telephone hotline which is printed on the certificate of insurance to request the towing service.

Q:  Are there any restrictions on the use of subsidy granted under Transportation Cost Subsidy section?
A:  No, Prudential does not confine the ways in which the subsidy is used. The insured can use it for whatever purposes, such as taking a taxi or renting a car temporarily.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Important Notes to Applicant
  1.  The "Limit of Indemnity" you supply in this Application Form will be used for premium calculation for Comprehensive Insurance. In case of a claim for loss of or damage to the Motor Car, the maximum amount of our payment, subject to the terms and conditions of the insurance policy including any claims excesses that may apply, is limited to:
    (a)  the reasonable market value of the Motor Car at the time of its loss or damage (except for the car that is entitled to the 'Zero %' Depreciation Benefits where the reasonable market value of a new car of the same model at the time of loss or damage is taken into account);
    (b)  the Limit of Indemnity that you supply in this Application Form, whichever is the lesser amount.

    Please ensure that the Limit of Indemnity you supply is adequate. By doing so you will guard against any underinsurance which could affect the amount of claim settlement in the event of a total loss.
  2. Disclosure –The applicant is requested to disclose any other facts known to the applicant which are likely to affect acceptance or assessment of the insurance cover the applicant is applying for. Should the applicant have any doubts about what should be disclosed, please feel free to contact us or your financial consultant/broker. The applicant is recommended to keep a record (including copies of letters) of any additional information given for the applicant’s future reference. Failure to disclose may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
  4. A specimen copy of the Policy and a copy of your completed Proposal Form will be supplied on request.
  5. The application form must be signed by a person who has attained age 18 or above.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.