SmartPro Drive Insurance

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

Getting behind the wheel can be great fun as it takes you where you want to. Yet a happy ride will only be one that is smooth and safe with a suitable car insurance policy in place that gives you the right protection when needed.

Plan Highlights

• Cover various types of private motor car, including hybrid and electric

• Third Party Legal Liabilities up to HK$100,000,000

• Electric Car Charger Third Party Liabilities Protection
  • Encourages use of electric cars which are more environmentally friendly and sustainable

• Personal Accident to the Named Driver
  • Cover car accidents occurred to the named driver while driving, reimburse up to HK$200,000

• New for Old Replacement Vehicle
  • If the insured motor car sustains total loss, it will be replaced with one of the same make and model without deducting depreciation

• Arrange and pay rental expenses for an alternate vehicle when the insured motor car is under Repair after being immobilised due to an accident or being stolen, reimburse up to HK$6,000

• 24-Hour Emergency Roadside Assistance Services
  • Help arrange emergency roadside repair, towing and more

• Optional Benefit
  • Extended coverage for loss and damage to the motor car in Guangdong Province

• No Claim Discount (NCD) Protector
  • Offer the same NCD upon next renewal when the sum of all claims (after excess) does not exceed HK$75,000 or 20% of the sum insured (whichever is lesser)

Please refer to the Product Leafet for the details, benefits/ coverage, premium, major exclusion, important notes of the plan.

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Download Product Leaflet

 

[ Policy Terms & Conditions ]

Starting from 1 January 2018, the amount of levy payable to the Insurance Authority on the premium of this policy would be paid by Blue Cross (Asia-Pacific) Insurance Limited on your behalf and would be remitted in accordance with the prescribed arrangements. For further information about the levy imposed by the Insurance Authority, please click here



Important Notes

1. The policy may be cancelled at any time by the policyholder by giving no less than 7 days’ prior written notice to Blue Cross. Provided that no claim has been made under the policy, the policyholder shall be entitled to a partial refund of premium equivalent to the actual premium paid for that period of insurance less the premium to be charged according to the short period rates stated in the policy for the period of insurance has been in force and subject to a minimum and non-refundable premium of HK$500 and the surcharge and levy of the Motor Insurers’ Bureau of Hong Kong.
2. Blue Cross reserves the right to adjust the premium table from time to time.

General Exclusions

1. Any accident, loss, damage or liability caused, sustained or incurred:
   (a) outside Hong Kong;
   (b) whilst on the insured’s order or with his permission or to his knowledge the insured motor car in respect of which indemnity is provided by the policy is being used otherwise than in accordance with "(4) Limitations as to Use of the Motor Car" in the terms and conditions of the policy, or being driven by any person other than an insured driver or is for the purposes of being driven by him in the charge of such person.
2. Any accident, loss, damage or liability, except insofar as is necessary to meet the requirements of the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272 of the Laws of Hong Kong), directly or indirectly, proximately or remotely occasioned by, contributed to or by or traceable to or arising out of or in connection with:
   (a) war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power;
   (b) strike, riot, civil commotion; or
   (c) detention, seizure, confiscation or any attempt thereat; or by any direct or indirect consequences of any of the said occurrences.
3. Any liability which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.
4. Any accident, loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss or any liability of whatsoever nature directly or indirectly caused by, contributed to or by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and, for the purpose of this paragraph 4, combustion shall include any self-sustaining process of nuclear fission.
5. Any accident, loss, damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapon materials.
6. The following conditions:
   (a) consequential loss of the insured motor car;
   (b) depreciation, wear and tear, mechanical or electrical breakdown, failure or breakage of the insured motor car;
   (c) damages to tyres unless damage is caused to other parts of the insured motor car at the same time; and
   (d) any claim excesses applicable to Section (I) – Against Loss of or Damage to the Motor Car.
7. To indemnify any person claiming to be indemnified:
   (a) unless such person shall observe, fulfill and be subject to the terms and conditions of the policy insofar as they apply; or
   (b) if such person is entitled to indemnity under any other insurance policy.

Claim Procedure

• Within 7 days from the occurrence of the event giving rise to a claim under the policy, customers must provide notice of claim to Blue Cross by completing the claim form or via email to Blue Cross. Claim form must be submitted within these 7 days even if any of the claim documents is not readily available.
• In the event of traffic accident, please report to the police within 24 hours.
• In the event of any traffic accident or motor vehicle breakdown, please take proper precaution to prevent further loss of or damage to the insured motor car.
• In case of theft or other criminal act, please report to the police immediately.
• For emergency roadside assistance, please call the 24-Hour Emergency Roadside Assistance Services Hotline and quote the policy number.
  
  

Notes

• This brochure is for distribution in Hong Kong only. The distribution of this brochure is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Should there be any discrepancy between the English and the Chinese versions of this brochure, the English version shall apply and prevail. This brochure is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.
• SmartPro Drive Insurance is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
• Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.
• Blue Cross shall not be deemed to provide cover (including not to pay any claim or provide any benefit), when the provision of such cover would expose Blue Cross to any, or any risk of, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America or any jurisdiction applicable to Blue Cross.

Blue Cross Customer Service Hotline 2839 6377