Car Insurance

Comprehensive Cover

Protect your car with an extensive cover DirectAsia offer in Hong Kong

Comprehensive car insurance is the most complete cover and protects you from the daily dangers you face for yourself, your car and others. You are also covered against elemental dangers like fallen trees, floods and natural disasters.

When you choose comprehensive car insurance, you also have the choice to add the most optional benefits to further enhance your cover. Extend your cover with popular options like Loss of Use, New for Old Replacement, 24 Hour Breakdown Assistance, and Medical benefits for Driver & Passenger.

When we recommend Comprehensive:

After your home, cars are one of the largest purchases a family will make. So protecting your car fully is a responsible choice. We believe comprehensive protection is essential for any car under 7 years old and for younger drivers with less driving experience.

smart-tips Smart Tips: Did you know that our windscreen cover includes side windows too?

Get a Quote

Comprehensive Protection

Windows & Windshield

A network of windscreen repairers available across Hong Kong to help repair your windows or windshields if they're ever damaged (subject to scheduling).

Spare Parts

Your standard spare parts and accessories, including stereos, are covered against damage or theft.


If your car is unroadworthy following an accident we will tow it to one of our own repair workshops around the clock. Or if you have chosen the My Workshop optional benefit, we will tow your car to your own workshop.


You're protected if you crash your car into a third-party vehicle or if you crash your car on your own.

Workmanship Warranty

You get a 12 month guarantee on workmanship for repairs done by our approved workshops.

Cover & Optional Benefits in More Detail

Core Benefits Cover Limits (in HK$)
Own Damage - All Accidents Up to the market value of your car 
Third Party Bodily Injury Up to $100,000,000
Third Party Property Damage Up to $2,000,000
Own Damage - Fire Up to the market value of your car
Own Damage - Theft Up to the market value of your car
Own Damage - Natural Disaster/Act of God Up to the market value of your car
Windscreen/Window Breakage Replacement or repair costs ($500 excess for replacement)
Accident Towing  Up to $2,000
Deductible of Own Damage As shown in your policy schedule
Optional Benefits (you can add to your plan) Cover Limits (in HK$)
Personal Accident for Driver Up to $2,000,000 
Medical Expenses for Driver and Passengers Up to $200,000 per person
No Claim Discount (NCD) Protection  One claim per policy per year and NCD will remain unchanged
My Workshop A choice of Own designated workshop
24 Hour Breakdown Assistance Up to $2,000
Loss of Use $500 a day up to 10 days per accident, 20 per year
12 Months New for Old Replacement Cost of replacing car
My Accessories Cost of replacing or repairing declared accessories and up to delcared amount
Have questions?  Speak with us directly at (852) 2884 8888 or provide your details and we’ll call you back on the next working day.