Swipe Mode
Top 10 Best Car Insurance Plans in Hong Kong 2026
10 remaining
#1
HSBC Car Insurance (Comprehensive)
HSBC Car Insurance tops our list for its exceptional blend of coverage and value. Annual premiums start at approximately HKD 4,800 for a standard sedan, with a no-claims discount (NCD) protection feature that caps the discount loss after an accident. Standout features include a 60% NCD maximum, unlimited windscreen cover with no excess, and a courtesy car provided for up to 14 days after a total loss. The policy also covers personal accident benefits of HKD 200,000 for the driver. Best for existing HSBC customers who can bundle with other products for up to 15% multi-policy discount. A notable weakness is the slightly higher excess for drivers under 25—typically HKD 10,000 compared to the industry average of HKD 8,000.
#2
AXA Hong Kong Comprehensive Car Insurance
AXA offers one of the most robust comprehensive plans in Hong Kong, with premiums averaging HKD 5,200 per year for a mid-range vehicle. Key features include a 24/7 roadside assistance hotline, a guaranteed courtesy car for 30 days after an accident (a market-leading benefit), and coverage for legal liability up to HKD 100 million. AXA also provides a 'new-for-old' replacement for cars less than 12 months old if written off. The policy includes a zero-excess option for windscreen and glass damage. Best for drivers who want maximum support after an incident. A notable weakness is the strict mileage limit of 20,000 km per year; exceeding it voids certain benefits.
#3
Hang Seng Bank Car Insurance (Comprehensive)
Hang Seng’s comprehensive car insurance is a strong contender, starting at HKD 4,500 annually for a compact car. It features a unique 'Reward No-Claims Discount' that allows policyholders to restore up to 3 years of NCD after a single at-fault claim. Other highlights include a personal accident benefit of HKD 300,000, a free replacement car for 14 days after a total loss, and coverage for loss or damage to personal belongings in the car up to HKD 5,000. The policy also offers a 10% discount for online applications. Best for drivers who want a bank-integrated experience with easy premium payment via Hang Seng accounts. A weakness is the limited network of authorized repair workshops in the New Territories.