Is there a claim excess for my policy?

Private Motor Car Insurance Policy – BreezyMotor

Breezy Motor Private Motor Car Insurance Plan

Most of the private car owners have chosen Zurich as their motor insurance provider, and you?

If you own an electric vehicle, please click here to view our Breezy Motor Private EV Motor Car Insurance plan.

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What this plan covers

24-hour services

Includes emergency roadside repair and towing services, and a 24‑hour traffic regulations and claims enquiry hotline.

Garage-pro services network*

Visit our trusted garages for convenient services, including (interior and exterior) cleaning, free delivery of your repaired car, and a warranty on repair work and parts.

^*View upgraded privileges

Optional upgraded coverage

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

Extensive service bundle

Includes coverage for medical expenses & personal accident, front windscreen excess waiver, cashless repairs, a temporary substitute vehicle allowance, and more.

Care-free driving in Greater Bay Area (optional)

Provide comprehensive liability coverage tailored for hassle-free driving experiences in GBA.

^*Terms and conditions apply.

Usage-based coverage

Get a personalized insurance plan tailored to your driving habits, based on your estimated annual kilometers.

Frequently asked questions (FAQ)

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

Learn more

Coverage	Third Party	Comprehensive
Own Damage, fire & theft cover
Third party bodily injury	HKD 100,000,000
Third party property damage	Options from HKD 2,000,000 up to HKD 10,000,000
Motor personal accident		HKD 100,000
Medical expenses
CFD Protection
Front windscreen excess waiver and cashless service		Available when repairing at designated repairers (up to HKD 10,000 per accident)
New for old compensation
Temporary substitute vehicle	Free referral service	Either 1) Vehicle rental expenses up to HKD 4,000 (20% of the expenses paid by the insured) Or 2) Taxi fees up to HKD 2,000
24-hour emergency roadside repair service	Free referral service	Up to HKD 2,000
24-hour towing service	Free referral service	Up to HKD 2,000
Claims recovery service

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.