Private Motor Insurance

Only customised and flexible private motor insurance solutions can effectively facilitate different driving habits, usage and even passenger carriage, so as driving with peace of mind. 24 hours online real-time quotation. Simple and Easy to buy with immediate cover!

We also provide the HZMB Private Motor Insurance, including Mainland Traffic Compulsory Insurance and Optional Commercial Motor Insurance, please click here for quotation.

Online Quote and Application

Product Features

Apart from Comprehensive (COMP) and Third Party Only (TPO), the hybrid Third Party Plus (TPP) insurance is also available
Your choice of optional benefits such as 24-hour Breakdown Assistance, My Workshop, No Claim Discount(NCD) Protection and more
Full case follow-up by 1-on-1 Claims Specialist

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Apart from Comprehensive (COMP) and Third Party Only (TPO), the hybrid Third Party Plus (TPP) insurance is also available
Your choice of optional benefits such as 24-hour Breakdown Assistance, My Workshop, No Claim Discount(NCD) Protection and more
Full case follow-up by 1-on-1 Claims Specialist

Excess

Excess refers to the amount a policyholder is required to pay in the event of a claim, with its actual amount subject to policy's terms and conditions. Considering your own condition, customers can customise the excess of policy; the higher the excess amount, the lower the premium, and vice versa.

In the event of following circumstances, flat excess applies on Well Link Insurance private motor insurance:

The policyholder should pay an excess of HK$10,000 for any accident of the insured car for a purpose other than declared usage.
The policyholder should pay an excess of HK$500 for any damaged windscreen or car window replacement of insured car at Well Link Insurance Approved Windscreen Repairer.
The policyholder should pay an excess of HK$20,000 of repair cost for any repair of insured car at your chosen workshop other than that of Well Link Insurance Approved Workshop when you have not purchased the optional benefit of My Workshop.
The policyholder should pay an excess for any accident of the insured motor driven by an unnamed, young and / or inexperienced driver as set out below:
Unnamed driver: HK$10,000
Unnamed and young or inexperienced driver: HK$35,000
Unnamed, young and inexperienced Driver: HK$60,000

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In the event of following circumstances, flat excess applies on Well Link Insurance private motor insurance:

The policyholder should pay an excess of HK$10,000 for any accident of the insured car for a purpose other than declared usage.
The policyholder should pay an excess of HK$500 for any damaged windscreen or car window replacement of insured car at Well Link Insurance Approved Windscreen Repairer.
The policyholder should pay an excess of HK$20,000 of repair cost for any repair of insured car at your chosen workshop other than that of Well Link Insurance Approved Workshop when you have not purchased the optional benefit of My Workshop.
The policyholder should pay an excess for any accident of the insured motor driven by an unnamed, young and / or inexperienced driver as set out below:
Unnamed driver: HK$10,000
Unnamed and young or inexperienced driver: HK$35,000
Unnamed, young and inexperienced Driver: HK$60,000

No Claim Discount (NCD)

A No Claim Discount (NCD) is a premium discount awarded to the insured person for not making a single traffic accident claim during the current period of insurance.

Year(s) of No Claim - No Claim Discount

1 year：20%

2 consecutive years：30%

3 consecutive years：40%

4 consecutive years：50%

5 or more consecutive years：60%

To be entitled to NCD, customer must have been insured the proposed private car and claim free within the last 12 months.

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A No Claim Discount (NCD) is a premium discount awarded to the insured person for not making a single traffic accident claim during the current period of insurance.

Year(s) of No Claim - No Claim Discount

1 year：20%

2 consecutive years：30%

3 consecutive years：40%

4 consecutive years：50%

5 or more consecutive years：60%

To be entitled to NCD, customer must have been insured the proposed private car and claim free within the last 12 months.

NCD Transferal

A named driver of another insured motor is not entitled to any NCD. Certain discount may be available at our discretion and is in case-by-case basis. Please call Well Link Insurance Customer Care Hotline at +852 2884 8888 for details.
A company car is entitled to transfer his/her NCD to his/her personally insured car by presenting letter of consent for NCD transferal issued by authorised person of the employer.
A foreigner of expatriate of Hong Kong is entitled to NCD by presenting a certificate of insurance by an insurance company verifying a claim-free status for the period of insurance over the last 12 months.
NCD is only transferable between insured motors, and is non-transferable to any other insured person.

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A named driver of another insured motor is not entitled to any NCD. Certain discount may be available at our discretion and is in case-by-case basis. Please call Well Link Insurance Customer Care Hotline at +852 2884 8888 for details.
A company car is entitled to transfer his/her NCD to his/her personally insured car by presenting letter of consent for NCD transferal issued by authorised person of the employer.
A foreigner of expatriate of Hong Kong is entitled to NCD by presenting a certificate of insurance by an insurance company verifying a claim-free status for the period of insurance over the last 12 months.
NCD is only transferable between insured motors, and is non-transferable to any other insured person.

NCD Deduction

NCD deduction applies on any accident claim of insured motor the scale as here

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NCD deduction applies on any accident claim of insured motor the scale as here

Enrollment Method

Well Link Insurance can customise a private motor insurance to cater your protection needs in just 4 simple steps online.

Information of main driver and private motor
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.

For enrollment of high-performance vehicles, call Well Link Insurance Customer Care Hotline directly at +852 2884 8888 for real-time customised quotation.

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Well Link Insurance can customise a private motor insurance to cater your protection needs in just 4 simple steps online.

Information of main driver and private motor
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.

For enrollment of high-performance vehicles, call Well Link Insurance Customer Care Hotline directly at +852 2884 8888 for real-time customised quotation.

Purchase Method

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.

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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

Requirements

The policyholder must be the registered owner of the insured car

Requirements of insured person:

The principal named driver, i.e. the most frequent user of the insured car
Between 25 – 70 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 four named drivers in a policy. Both main driver and named drivers enjoy the same protection.

Requirements of insured car:

A private motor registered in Hong Kong
Accurate declaration of car usage
Private and leisure uses, including children school pickup and drop off
Private and commute uses, including lunch meeting with business partner
Private and business uses, 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.

Comprehensive (COMP)

Core Cover

A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motor.
A compensation up to HK$2,000,000 for any third party property damage resulted from an accident by the insured motor.
Market-value compensations for:
Any theft of the insured motor
Any damage(s) of the insured motor caused by collision with any third party vehicle
Any damage(s) of the insured motor caused by any third party
Any damage(s) of the insured motor caused by fire, flood or other natural disasters
A compensation up to HK$2,000 for 24-hour towing service on the insured motor after an accident.
Compensation up to HK$6,000 per period of insurance for any accidental windscreen or window breakage of the insured car, with an excess as stipulated on the policy schedule.

Optional Benefits

Considering your own conditions such as sufficiency of personal insurance coverage, maintaining your No Claim Discount (NCD), or trustworthy workshop or garage support, customers can customise their Well Link Insurance's Comprehensive (COMP) policy by adding optional benefits.

Optional benefits include:

24-hour Breakdown Assistance: Customers can call Well Link Insurance Claims Hotline at +852 2884 8899 for 24/7 assistance to insured car failure on the road.
My Workshop: Customers can designate a workshop for any repair of insured car.
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 car.
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 car.
Compensation for Loss of Use: Receive a compensation of HK$500 per day for loss of use of the insured motor.
Maximum compensation of 10 days per accident
Maximum compensation of 20 days per year
Maximum compensation of 20 days per insured motor lost or stolen
New for Old Replacement: If the insured motor is brand new, and is stolen or suffers total loss within the first 12 months from the registered date at Transport Department, it will be compensated by new for old replacement of the same model.
No Claim Discount (NCD) Protection: Customers with accumulated No Claim Discount (NCD) of 20% or higher will be fully protected for one claim during current period of insurance.
Accessories of Insured car: Protection coverage includes replacement or repair any declared and accepted accessories of the insured car. Protection is still valid even they are stolen or damaged by accident.

Third Party Plus (TPP)

Core Cover

A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motor.
A compensation up to HK$2,000,000 for any third party property damage resulted from an accident by the insured car.
Market-value compensations for repair cost of the insured car collided with any third party vehicle.
A compensation up to HK$2,000 for 24-hour towing service on the insured car after an accident.

Optional Benefits

Considering your own conditions such as sufficiency of personal insurance coverage, maintaining your No Claim Discount (NCD), or trustworthy workshop or garage support, customers can customise their Well Link Insurance's Third Party Plus (TPP) policy by adding optional benefits.

Optional benefits include:

24-hour Breakdown Assistance: Customers can call Well Link Insurance Claims Hotline at +852 2884 8899 for 24/7 assistance to insured car failure on the road.
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 motor.
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 motor.
No Claim Discount (NCD) Protection: Customers with accumulated No Claim Discount (NCD) of 20% or higher will be fully protected for one claim during current period of insurance.
Windscreen / Car Window Breakage: Complementary repair of damaged windscreen or car window on the insured motor. For replacement, customers are only required to pay an excess of HK$500.
My Workshop: Customers can designate a workshop for any repair of insured car.
Compensation for Loss of Use: Receive a compensation of HK$500 per day for loss of use of the insured car.
Maximum compensation of 10 days per accident
Maximum compensation of 20 days per year
Maximum compensation of 20 days per insured car lost or stolen
Accessories of insured car: Protection coverage includes replacement or repair any declared and accepted accessories of the insured car. Protection is still valid even they are stolen or damaged by accident.

Third Party Only (TPO)

Core Cover

A compensation up to HK$100,000,000 for any third party bodily injury resulted from an accident by the insured motor.
A compensation up to HK$2,000,000 for any third party property damage resulted from an accident by the insured motor.

Optional Benefits

Considering your own conditions such as sufficiency of personal insurance coverage, maintaining your No Claim Discount (NCD), or trustworthy workshop or garage support, customers can customise their Well Link Insurance's Third Party Only (TPO) policy by adding optional benefits.

Optional benefits include:

24-hour Breakdown Assistance: Customers can call Well Link Insurance Claims Hotline at +852 2884 8899 for 24/7 assistance to insured car failure on the road.
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 motor.
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 motor.
No Claim Discount (NCD) Protection: Customers with accumulated No Claim Discount (NCD) of 20% or higher will be fully protected for one claim during current period of insurance.
Uninsured Loss Recovery: Well Link Insurance will assist customers to seek recovery against third parties if the insured car is neither responsible nor liable for the accident. This includes reimbursements of up to HK$5,000 for additional expenses related and up to HK$20,000 for legal expenses.

Yes. You just need to tell your private motor dealer that you will be getting your private motor insurance from Well Link Insurance. You may well find that you benefit from this in terms of saving money or from better level of cover than that offered as standard by the private motor dealer. Check out by getting an online quote first - you have nothing to lose!

Your chassis number. You will find this in your vehicle registration document.
Your Hong Kong ID and that of your named drivers.
Your previous registration vehicle if you plan to transfer your NCD to a new car.
Your current renewal notice
And of course your credit card details.

It's that simple!

You can get a private motor insurance quote by following our simple 2 step process. If you're satisfied you can go ahead and buy. You can choose the start date of your policy and even have immediate cover if you wish. You can print off your insurance certificate straight away.

If you need time to gather more information, then you can save your quote and go back to it at a later date. Your quote will be saved in our system and will be valid for 30 days.

Most policies in Hong Kong are on a sum insured basis. This forces you to assess the value of your private motor every year and you will be the one penalized if you mis-estimate your sum insured:

If your sum insured is higher than the market value, insurers would only pay the market value of your private motor at the time of accident. You would have been paying extra premium for nothing.
If your private motor is under insured, you take the risk of not being able to replace your private motor with the monies paid by the insurer.

Well Link Insurance removes this hassle by being the first insurer in Hong Kong to guarantee you that you will be fully compensated in the case of a total loss. Your private motor is always covered for its replacement cost at any time. You don't pay for what you don't need.

Your private motor insurance premium (the price of your cover) is based on a number of factors including driver profile which looks at your driving experience, the number of named drivers you have and your No Claim Discount. We also take into account the private motor's make, model and age.

The excess you choose will also affect your premium. The higher the excess, the lower the premium.

Any optional benefits you choose will also affect your premium.

We make our policies in such a way that you pay only for what you need. We also focus on insuring safe drivers, so you don't pay for those that aren't. Here are a number of ways you can further cut costs on the price of your cover:

Opt to pay a higher excess. The higher the excess the lower the premium.
Certain private motor models are more expensive to insure than others. Bear this in mind when purchasing a new vehicle.
Our Comprehensive cover gives you the maximum protection on the road. If you choose our optional benefits then your premium will increase.
You can also choose to lower your premium by selecting the cheaper options of either Third Party Only or Third Party Plus plans. These policies are less expensive than our Comprehensive plan, (although please do remember that the insurance coverage is lower).

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 pay us any excess that applies. The excess in your policy applies to own damage, third-party damage and windscreen claims. Additional excess could be applicable if the driver at the point of accident is not named in the policy.

We allow you to choose your excess on your policy. The higher the excess, the lower the premium (price). This is only applicable to the basic excess and not to the additional unnamed driver excess.

Windscreens and windows are covered against damage. We will pay for the full replacement cost. We will only charge an excess of HK$500 if we have to replace windows or windscreens but this is waived if we can repair the damage. We will come to you to carry out the work at your convenience.

Your Comprehensive or Third-Party Plus cover allows you to use a repair workshops that is listed under our list of approved workshops. We will give a 12 months guarantee for all workmanship done at our approved workshops.

If you have selected our optional benefit of "My Workshop" - this means you can use a repair workshop of your choice.

At Well Link Insurance, we have carefully selected a panel of workshops where all repairs under your standard policy are carried out.

This panel will provide you with:

Quality repairs with workmanship guaranteed for 12 months.
Genuine/OEM parts.
Delivery services after your private motor is repaired.

This panel is strategically located all over Hong Kong so there is always one close to you.

If you ever have a problem with one of our workshops, you can raise your concern directly with the Well Link Insurance team and we will ensure this is solved promptly with our partner. You will never be left alone!

By having this close relationship with our workshops, Well Link Insurance is in a position to obtain better terms that help us keep our prices competitive. This is a win-win-win relationship for you, our partners and us.

If, however, you prefer to use another workshop, you can always take the "My Workshop" option which will allow you to repair your private motor wherever you feel comfortable.

Under our Comprehensive or Third-Party Plus cover, you will not receive a courtesy private motor but for a little more you can take out our optional benefit called Loss of use. With this we will pay you a daily rate of HK$500 to help you with transport costs while your private motor is being repaired. We will pay up to a maximum of 10 days per accident and 20 days per year.

Unlike most insurers we will not impose a minimum number of days on you and we do not expect you to show proof of your additional expenses either.

DO NOT try to start your private motor as the flood water may damage the engine. Call us immediately to arrange the private motor to be towed. Call +852 2884 8899.

If you are in or near the burning car, get far away from it quickly. Your safety comes first. Call 999 for the fire brigade. Get details of the officer who attends to the fire and a copy of the fire report.

If your car is damaged in an arson attack, report it to the police so that they can investigate and find the culprit. Get a copy of the police report and call us to lodge a claim on 2884 8899.

Please report the stolen private motor immediately to the police so that they can investigate the matter and try to find the private motor.

Get a copy of the police report and call us to lodge a claim on +852 2884 8899.

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 policy. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our Customer Service Hotline at +852 2884 8888.

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