Car Insurance
Drivers & Usage

You Declare Who Drives & How Your Vehicle is Used


We ask a few questions to make sure you get the correct premium.

No two Hong Kong drivers use their car the same way. Some share the vehicle with the whole family, while others drive alone and only on weekends. We believe you should pay only for who’s driving and how much.

Asking you about the Main Driver and Car Usage allows us to give you the most accurate premium so you aren't paying for cover you don't need.

IMPORTANT! Remember to declare the correct information:

It's important that you answer the questions truthfully so you're insured in the event of an accident. Since we calculate your premium based on the information you declare about Main Driver and Car Usage, that information is used when we review and pay claims.

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Driver Requirements

We have a few basic requirements for who we cover

Driver Requirements
  • Age and Experience
    Age and Experience

    The main driver must have at least 2 years' driving experience and be between 20 - 70 years old.

  • Driver’s License
    Driver’s License

    In the last 5 years, no driver has had their license suspended or cancelled.

  • Accident & Insurance History
    Insurance History

    In the last 3 years, no driver has been refused insurance or had it terminated.

  • Driving Offence Points
    Driving Offence Points

    All drivers have valid Hong Kong driving licences with less than 12 offence points.

Usage and Registration Requirements
  • Commercial Usage
    Commercial Usage

    The car cannot be used for commercial purposes, hire, delivery or reward.

  • Driver’s License
    Vehicle Ownership

    The policyholder must be the registered owner of the vehicle.

  • Accident & Insurance History
    Vehicle Registration

    The vehicle must be registered in Hong Kong and the vehicle class must be registered as private car.

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.