Is there a claim excess for my policy?

Breezy Motor Private EV Motor Insurance Plan

Drive Green with extra peace of mind! Wherever the road takes you, our electric-car coverage helps protect your journey, so you can enjoy driving towards a greener future with confidence.

For non-electric vehicle protection, click here to learn more.

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What you can get in this plan¹

New-for-Old EV replacement and betterment contribution waiver

Enjoy up to three years of new-for-old EV replacement and a 0% betterment contribution² on repair costs

Advanced driving assistance coverage

Protection for damage to your EV and third‑party property when using advanced driving assistance technologies³

Charging protection and enhanced charger third party liability coverage

Cover accidental battery damage and include up to HKD 20 million liability coverage per accident per policy year

Extra peace of mind during repairs

Temporary substitute vehicle or taxi expense reimbursement benefits or HKD 1,000 cash benefit if the repair time exceeds 14 days⁴

Breakdown and charging support

24-hour emergency roadside support for stranded EVs; up to HKD 200 taxi allowance if towing service is requested due to electricity depletion (maximum of one claim per year)

Usage-based coverage

Your coverage is tailored to your driving habits, using your estimated annual kilometers to personalize your plan.

Beyond the key highlights, you can also get…

24-hour services
Include emergency roadside and towing services, along with traffic regulation and claims enquiry hotline.

Garage-pro services network^#
Visit our trusted network of garages for convenient services, including cleaning, free delivery of your repaired car, and a warranty of the repaired work.
Click to view upgraded privilege

Care-free driving in Greater Bay Area (optional)
Provide comprehensive liability coverage tailored for hassle-free driving experiences in GBA.

^#Terms and conditions apply

Options on additional coverage
Enhance your protection on the road with selectable coverage amounts of up to HKD 10 million

Extensive service bundle
Include medical expenses & personal accident protection, front windscreen excess waiver, cashless repairs, temporary substitute vehicle, and more.

Eco-Friendly Battery Disposal
Cover the cost of environmentally responsible disposal of your EV’s battery in cases of total loss.

Benefits	Third party liability only	Comprehensive
Designed for EVs coverage
Front windscreen excess waiver and cashless service		Available when repairing at designated repairers (up to HKD 10,000 per accident)
New for old replacement		Up to 3 years including relevant tax benefit applied^**
Betterment policyholder contribution		0% up to 3 years including relevant tax benefit applied
Battery damage during charging coverage
Charging station damage (self-owned) coverage		Up to HKD 5,000 per accident
EV charger third party liability	Up to HKD 20,000,000 per accident	Up to HKD 20,000,000 per accident
Advanced driver assistance technology coverage	(cover the damage arouse from third party liability only)
Cost for sustainable way of battery disposal (total loss)

Check out our customer stories below:

Case 1:

While using the auto-parking technology in her electric vehicle, Emily recently experienced a minor collision with another car during the parking maneuver. She also needed to send her EV to garage for repairs. (Emily enrolled a comprehensive plan)

Coverage highlights:

Protection for damage caused to her electric car and third-party property when using the technology;
Temporary substitute vehicle or taxi expense reimbursement while the car is under repair;
HKD 1000 benefit if the repairing cannot be completed in 14 days, provided that she hasn't claimed towards temporary substitute vehicle or taxi expense reimbursement.

Frequently asked questions (FAQ)

Yes, your policy includes claim excess. The specific amounts are detailed in the Schedule under the excess table.

Learn more

¹Some of the features shown above are only available for Comprehensive Plan. Please refer to our policy wordings for details.

²Only apply to the first and second registration of the car with the Transport Department and that the registration must be made within twelve months from the date of manufacture and insured's estimated value of the electric vehicle must be at least the new replacement value (reasonable market value for brand new same make and model EV) of the motor car at the time of effective date. Please refer to policy wording for details.

³The technologies must be installed by the motor car manufacturer and approved by the Transport Department

⁴when temporary substitute vehicle or reimbursement of taxi expense are not requested

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.