Only customised and flexible motorcycles insurance solutions can effectively facilitate every wonderful motorcycle ride, so as driving with peace of mind.
- Apart from Comprehensive (COMP) and Third Party Only (TPO), the hybrid Third Party Fire & Theft (TPFT) insurance is also available
- Your choice of optional benefits such as Compensation for Loss of Use, Personal Accident and Medical Expenses
- Full case follow-up by 1-on-1 Claims Specialist
A No Claim Discount (NCD) is a premium discount for renewal of policy awarded to the insured person for not making any claim during the current period of insurance.
Year(s) of No Claim - No Claim Discount
1 year：10%
2 consecutive years：20%
3 consecutive years：30%
To be entitled to NCD, customer must have been insured within the last 12 months.
NCD is non-transferable to any other motorcycle nor insured person.
Well Link Insurance can customise a motorcycle insurance to cater your protection needs in just 4 simple steps online.
- Information of main driver and motorcycle
- Cover type
- Customisation of optional benefits
- Information of additional driver(s) (if applicable)
Well Link Insurance will provide a real-time quotation online upon completion of above steps. Please action within the quotation validity period before it expires.
- Instant online payment via Visa or MasterCard
- Call Well Link Insurance Customer Care Hotline: +852 2884 8888
- Visit Well Link Insurance Customer Care Centre
Address:
1/F, Hip Shing Hong Centre, No.55 Des Voeux Road Central, Central, Hong Kong
After payment being received successfully, customers will receive a confirmation SMS and email from Well Link Insurance containing a secure link for policy document download. Supporting environmental friendliness, Well Link Insurance will provide you with softcopy of policy document to our customers. For any request of policy documents for reference, please contact our Customer Care Centre or email to customerservice@wli.com.hk.
The policyholder must be the registered owner of the insured motorcycle
Requirements of insured person:
- The principal named driver, i.e. the most frequent user of the insured motorcycle
- Between 25 – 65 years old
- At least 2 years' of driving experience
- Holder of valid Hong Kong driving licence with less than 10 accumulated Driving Offence Points
- No driving licence suspension and / or cancellation in the last 5 years
- No insurance rejection and / or policy termination in the last 3 years
The policyholder can add up to one named drivers in a policy. Both principal named driver and named drivers enjoy the same protection.
Requirements of insured motorcycle
- A motorcycle registered in Hong Kong
- Accurate usage declaration
- Private and leisure usage
- Private and commute usage, including lunch meeting with business partner
- Private use and business usage, including travel from and to business venue during working and / or office hours
- Cannot be used for commercial, leasing, delivery or payment purpose
IMPORTANT! Make sure to declare the correct information.
Core Cover
- A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motorcycle.
- A compensation up to HK$750,000 for any third party property damage resulted from an accident by the insured motorcycle.
- Market-value compensations for:
- Any theft of the insured motorcycle
- Any damage(s) of the insured motorcycle caused by collision with any third party vehicle
- Any damage(s) of the insured motorcycle caused by fire, flood or other natural disasters
- Any damage(s) of the insured motorcycle caused by any third party
- A compensation up to HK$2,000 for 24-hour towing service on the insured motorcycle after an accident
Optional Benefits
Considering your own condition such as personal marital status or sufficiency of personal insurance coverage, customers can customise their Well Link Insurance's Comprehensive (COMP) policy by adding optional benefits.
Optional benefits include:
- Personal Accident: Receive a compensation up to HK$2,000,000 for any death, loss of sight and/ or limbs of Main Driver or Named driver resulted from an accident by the insured motorcycle.
- Medical Expenses: Receive a compensation up to HK$20,000 per person for any injury of driver or passenger(s) resulted from an accident by the insured motorcycle.
- Compensation for Loss of Use: Receive a compensation of HK$300 per day for loss of use of the insured motorcycle.
- Maximum compensation of 10 days per accident
- Maximum compensation of 20 days per year
Core Cover
- A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motorcycle.
- A compensation up to HK$750,000 for any third party property damage resulted from an accident by the insured motorcycle.
- Market-value compensations for:
- Any theft of the insured motorcycle
- Any damage(s) of the insured motorcycle caused by fire
- A compensation up to HK$2,000 for 24-hour towing service on the insured motorcycle after an accident (only applicable to accident caused by fire).
Optional Benefits
Considering your own condition such as personal marital status or sufficiency of personal insurance coverage, customers can customise their Well Link Insurance's Third Party Fire & Theft (TPFT) policy by adding optional benefits.
Optional benefits include:
- Personal Accident: Receive a compensation up to HK$2,000,000 for any death, loss of sight and/or limbs of Main Driver or Named Driver resulted from an accident by the insured motorcycle.
- Medical Expenses: Receive a compensation up to HK$20,000 per person for any injury of driver or passenger(s) resulted from an accident by the insured motorcycle.
- Compensation for Loss of Use: Receive a compensation of HK$300 per day for loss of use of the insured motorcycle.
- Maximum compensation of 10 days per accident
- Maximum compensation of 20 days per year
Core Cover
- A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motorcycle.
- A compensation up to HK$750,000 for any third party damage resulted from an accident by the insured motorcycle.
Optional Benefits
Considering your own condition such as personal marital status or sufficiency of personal insurance coverage, customers can customise their Well Link Insurance's Third Party Only (TPO) policy by adding optional benefits.
Optional benefits include:
- Personal Accident: Receive a compensation up to HK$2,000,000 for any death, loss of sight and/ or limbs of Main Driver or Named Driver resulted from an accident by the insured motorcycle.
- Medical Expenses: Receive a compensation up to HK$20,000 per person for any injury of driver or passenger(s) resulted from an accident by the insured motorcycle.
- Chassis number. This is detailed in your vehicle registration document.
- HKIDs of yourself and your named driver.
- If you wish to transfer your NCD to a new motorcycle, you must provide your policy schedule.
- Credit card payment details.
- Current renewal notice.
Just follow our simple step by step guide to get your motorcycle insurance quote. Once you're happy with the deal, you can buy securely online. Select the start date of your policy, or even choose to have your cover begin immediately. Once purchased, you can print off your certificate at once. If you haven't got all the information you need to complete the purchase, you can save your quote and return to it when you have the information. Your quote information will be stored in our system for 30 days, and will be valid for at least that period.
Yes. Simply inform your motorcycle dealer that you intend to obtain your motorcycle insurance from Well Link Insurance.
Yes, your policy is still valid even if you decide to have modifications applied to your motorcycle, so long as these modifications comply with the guidelines outlined by the Transport Department of the Hong Kong SAR.
Numerous factors are taken into consideration when calculating your premium, including driver profile which encompasses your age, No Claim Discount, driving experience, and the number of individuals named on your insurance policy. Additionally we look at your motorcycle's age, make and model.
Your premium will also increase if you select any optional benefits.
We have created our policies so that you only pay for the cover you need. You can reduce the cost of your premium in the following ways…
- We have three separate cover plans for motorcycle insurance. You can select the plan according to your needs, including premium level.
- Certain models of motorcycle are more costly to insure than others. Consider this when buying a new vehicle.
- Our insurance protects you on the road. If you take advantage of our optional extras then your premium will go up.
An excess is the amount that you must contribute towards the cost of a claim. The type of excess and the amount payable will be shown on the Schedule. If you make a claim, you will have to pay us any excess that applies.
A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance.
Click here for more information on No Claim Discount and who is eligible.
There is no NCD protector in our motorcycle insurance. Your NCD will be deducted according to below table:
Your current No Claim Discount - If you make 1 or more claim
30%：0%
20%：0%
10%：0%
0%：0%
You may select whichever workshop you wish.
DO NOT attempt to start your engine in flood water as this may cause serious damage to your engine.
Premium calculations are based on multiple factors, especially risk factors such as vehicle model, capacity and the profile of the driver. Since the market value of a vehicle has no influence over claims from third parties regarding injuries and damage to property, it is not considered to be a direct risk factor. In addition, motor vehicle repair costs are always increasing, which has to be reflected in insurance premiums.
Numerous factors affect how a premium is calculated. There may be an increased level of claims for your particular make and model, which can push premiums up. Inflation may also mean higher premiums; if repair, legal and medical costs go up, for example, premiums need to reflect this.
In some years insurance firms experience a high level of claims, and therefore have to increase policy premiums across their entire product range. This might happen to your premium, regardless of whether or not you have made a claim or not. However, if your record is clean you will still get a lower premium than those who have made claims.
Notes:
1. This product is underwritten by Well Link General Insurance Company Limited.
2. The above content contains general information for reference only and does not form part of the conditions. For enquiries, please contact our Customer Service Hotline at +852 2884 8888.
