Dah Sing Insurance Company (1976) Limited 20/F Island Place Tower 510 King's Road, North Point Hong Kong T 852 2808 5000 F 852 2598 8008 www.dahsinginsurance.com
PRIVATE MOTOR CAR INSURANCE POLICY (1) INSURING CLAUSE The Insured and the Company agree: (a) the Proposal and Declaration is incorporated in and is the basis of this insurance contract; (b) the Insured will pay the Premium specified in the Schedule; (c) the Company will provide the insurance subject to the terms and conditions of this Policy in respect of any Event occurring during the Period of Insurance specified in the Schedule; and (d) the following shall be conditions precedent to any liability of the Company: (i) observance of the terms and conditions of this Policy relating to anything to be done or not to be done or to be complied with by the Insured or any other person claiming to be indemnified; and (ii) the truth of the Proposal and Declaration. This Policy will not be in force unless it has been signed in the Schedule by a person authorised by the Company.
(2) GENERAL DEFINITIONS For the purpose of this Policy: (a) "The Company" means Dah Sing Insurance Company (1976) Limited. (b) "Event" means any one event or series of events arising out of one common cause or source in connection with the Motor Car. (c) "Geographical Area" means the territories of Hong Kong and includes its territorial waters for the purpose of the transit of the Motor Car by sea including incidental loading or unloading. (d) "The Insured" means the person specified as such in the Schedule. (e) "Insured Driver" means the Insured or any other person who is driving on the Insured's order or with his permission provided that the Insured or the person driving holds a licence to drive the Motor Car or has held and is not disqualified from holding or obtaining such a licence. The term "licence" means a licence or other permit required under the laws or regulations or by the licensing authority of the Geographical Area. (f) "The Motor Car" means the motor car specified in the Schedule. (g) "The Policy" means this Private Motor Car Insurance Policy the Schedule and any memoranda and endorsements contained herein or endorsed hereon which shall be read as one document and any word or expression to which a specific meaning has been assigned shall bear such meaning throughout. (h) "The Proposal and Declaration" means any signed proposal form and declaration and any information supplied by or on behalf of the Insured in addition thereto or in substitution therefor. (i) "The Schedule" means the pages attached to this Policy specifying the terms and details of this insurance contract. (j) In this Policy, unless the context otherwise requires, the singular includes the plural and vice versa, and a reference to one gender includes a reference to the other gender. (k) In the event of any discrepancy between the Chinese and English versions in this Policy, the English version shall prevail.
(3) OPERATIVE INSURANCE COVER (a) Where the "Operative Insurance Cover" in the Schedule is stated to be "Comprehensive Insurance", Sections (I), (II) and (III) of this Policy are operative. (b) Where the "Operative Insurance Cover" in the Schedule is stated to be "Third Party Legal Liabilities Insurance", only Section (II) of this Policy is operative.
(4) LIMITATIONS AS TO USE OF THE MOTOR CAR The insurance coverage under any part of this Policy is operative only when the Motor Car is used for social domestic and pleasure purposes or for the Insured's business or profession. This Policy will not operate when the Motor Car is used for hire or reward racing pacemaking reliability trial speed testing or used for any purpose in connection with the Motor Trade.
(5) SECTION (I) INSURANCE - AGAINST LOSS OF OR DAMAGE TO THE MOTOR CAR (a) The Company will indemnify the Insured against loss of or damage to the Motor Car and/or its accessories and/or its spare parts whilst thereon.
The Company may, at its option, repair reinstate or replace the Motor Car and/or its accessories and/or its spare parts or pay in cash the amount of such loss or damage. The Company's indemnity pursuant to this paragraph 5(a) is limited to: (i) the reasonable market value of the Motor Car at the time of its loss or damage; or (ii) the insured's Estimated Value of the Motor Car (including accessories and spare parts thereon) as specified as the Sum Insured in the Schedule; whichever is the lesser amount. (b) If the Motor Car is disabled by reason of loss or damage insured by this Policy, the Company will additionally pay the reasonable cost of: (i) protection and removal of the Motor Car to the nearest repairer; and (ii) redelivery after repair to the Insured's address within the Geographical Area where the loss or damage was sustained; provided that the amount recoverable hereunder shall not exceed 20% of the agreed cost of repairs to the Motor Car. (c) In the event of loss of or damage to the Motor Car and/or its accessories and/or its spare parts necessitating the supply of a part not obtainable from stock held in the Geographical Area in which the Motor Car is held for repair or in the event of the Company exercising the option to pay in cash the amount of the loss or damage the liability of the Company in respect of any such part will be limited to the price quoted in the latest catalogue or price list issued by the manufacturer or his agents for the Geographical Area in which the Motor Car is held for repair or, if no such catalogue or price list exists, the price last obtaining at the manufacturer's works plus the reasonable cost of transport otherwise than by air to the Geographical Area in which the Motor Car is held for repair and the amount of the relative import duty and the reasonable cost of fitting such part.
(6) SPECIAL CONDITIONS INSURANCE
APPLICABLE
TO
(I)
(a) If at the Insured's request a Hire Purchase Owner has been specified in the Schedule or in a Memorandum endorsed hereon, any payment in cash by the Company in respect of loss of or damage to the Motor Car shall be made to the Hire Purchase Owner so specified whose receipt shall be a full and final discharge of all liability of the Company in respect of such loss or damage. (b) The Insured may authorise the repair of the Motor Car necessitated by damage for which the Company may be liable under this Policy provided that: (i) the estimated cost of such repair does not exceed HK$1,000; (ii) the Company is furnished forthwith with a detailed estimate of the repair cost; and (iii) the Insured shall give the Company every assistance to see that such repair is necessary and the charge is reasonable. (c) Where repair cost to the Motor Car is the subject of a claim under Section (I), the Company shall have a right of veto concerning a proposed place of repair or repair firm.
(7) SPECIAL EXCEPTIONS TO SECTION (I) INSURANCE The Company will not be liable in respect of: (a) consequential loss; (b) depreciation wear and tear mechanical or electrical breakdown failure or breakage; (c) damage to tyres unless damage is caused to other parts of the Motor Car at the same time; (d) any claims excesses applicable to Section (I); (e) (i) any equipment or computer malfunction; and (ii) the failure or inability of any equipment or any computer program to recognise or correctly to interpret or process any date as the true or correct date or to continue to function correctly beyond that date.
(8) CLAIMS EXCESSES APPLICABLE TO SECTION (I) INSURANCE (a) In respect of any Event giving rise to a claim (other than an Event of theft or attempted theft), the Company will not be liable for the first amount of such claim specified in the Schedule as "General Excess". (b) The first amount of any claim for which the Company is not liable
IMPORTANT - Please read this Policy carefully upon receipt and promptly request for any necessary amendments. 重要事項 – 當收到這份保險單時，請仔細閱讀保單內容，並且提出任何必需的修訂。 Page 1 of 8 (DM112015)
SECTION
pursuant to paragraph 8(a) will be increased if at the time of the occurrence of the Event giving rise to the claim: (i) the Motor Car is being driven by a person other than a "Named Driver" specified in the Schedule, by an additional amount by way of the "Unnamed Driver Excess" specified in the Schedule; (ii) the Motor Car is being driven by a person under 25 years of age, by an additional amount by way of the "Young Driver Excess" specified in the Schedule;
Section (II), the Company will in respect of the liability incurred by such person indemnify his legal personal representative in terms of and subject to the limitations of this insurance which apply to such person. (b) The Company may at its own option and expense: (i) arrange for representation at any inquest or fatal inquiry in respect of any death which may be the subject of indemnity under Section (II); and/or (ii) undertake the defence of proceedings in any court of law in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under Section (II).
(iii) the Motor Car is being driven by a person who has not held for a period of 2 years a driving licence (other than a provisional driving licence), by an additional amount by way of the "Inexperienced Driver Excess" specified in the Schedule;
(12) SPECIAL EXCEPTIONS TO SECTION (II) INSURANCE
(iv) the Motor Car is parked, by an additional amount by way of the "Parking Damage Excess" specified in the Schedule.
(a) to indemnify any person claiming to be indemnified:
(c) In respect of any claim arising out of theft or attempted theft of the Motor Car, the Company will not be liable for the first amount of each claim specified in the Schedule as the "Theft Excess". (d) In the event of a claim under Section (I):
The Company will not be liable: (i) unless such person shall observe fulfil and be subject to the terms and conditions of this Policy insofar as they can apply; or (ii) if such person is entitled to indemnity under any other insurance policy;
(i) if paragraph 8(c) is applicable, then paragraphs 8(a) and 8(b) will not be applicable;
(b) in respect of death of or bodily injury to any person arising out of and in the course of such person's employment by:
(ii) if paragraph 8(a) and any or more of sub-paragraphs 8(b)(i), 8(b)(ii), 8(b)(iii) and 8(b)(iv) are applicable, the first amount of such claim for which the Company is not liable will be calculated cumulatively;
(i) any person (including the Insured) claiming to be indemnified under Section (II); or (ii) the employer of any person (including the lnsured's) claiming to be indemnified under Section (II);
(iii) if the expenditure incurred by the Company shall include any amount for which the Company is not liable pursuant to paragraphs 8(a), 8(b), or 8(c), the Insured shall forthwith repay such amount to the Company.
(c) in respect of damage to property belonging to or held in trust by or in the custody or control of:
(e) The provisions of paragraphs 8(a) and 8(b) shall not apply to loss of or damage to the Motor Car caused by fire self-ignition lightning or explosion which arises independently and not out of any preceding accident involving the Motor Car.
(i) any person (including the Insured) claiming to be indemnified under Section (II); or (ii) a member of the same household of any person (including the Insured's) claiming to be indemnified under Section (II);
(9) SECTION (II) INSURANCE - AGAINST THIRD PARTY LEGAL LIABILITIES
(d) in respect of judgments which are not in the first instance delivered by or obtained from a court of competent jurisdiction of Hong Kong;
Subject to Policy Limits of Liability Conditions and Exceptions, the Company will indemnify the Insured and/or any Insured Driver and/ or at the request of the Insured any person (other than the person driving) in or getting into or out of the Motor Car against all sums including claimant's costs and expenses which the Insured and/or such Insured Driver and/or such other person shall become legally liable to pay and other costs and expenses incurred by or on behalf of the Insured and/or such Insured Driver and/or such other person with the Company's written consent in respect of: (a) death of or bodily injury to any person; and/or (b) damage to property; where such death or bodily injury or property damage arises out of an accident caused by or in connection with the Motor Car including the loading or unloading of goods onto or from the Motor Car and within the limits of any carriageway or thoroughfare the bringing of goods to the Motor Car for loading thereon or the taking away of goods from the Motor Car after unloading therefrom.
(10) POLICY LIMITS OF LIABILITY APPLICABLE TO SECTION (II) INSURANCE (a) The Company's indemnity to the Insured and/or any other person claiming to be indemnified under Section (II) including claimant's costs and expenses and other costs and expenses incurred by or on behalf of the Insured and/or such other person with the Company's written consent arising out of any Event is limited to: (i) HK$100,000,000 in respect of death of or bodily injury to any person pursuant to sub-paragraph 9(a); and (ii) HK$2,000,000 in respect of damage to property pursuant to subparagraph 9(b). Where this Policy insures more than one Motor Car, the limitations of the Company's indemnity will nevertheless apply irrespective of the number of insured Motor Cars that may be involved in the same Event. (b) If the occurrence of any Event results in indemnity to more than one person, the limitations of the Company's indemnity specified in paragraph 10(a) will apply to the aggregate of indemnity to all persons claiming to be indemnified and shall apply in priority to the Insured. (c) At any time after the happening of any Event giving rise to a claim or a series of claims under Section (II) the Company may pay to the Insured and/or any other person claiming to be indemnified the respective full amount of the Company's liability specified in paragraph 10(a) (after the deduction of any sums already paid) or any lesser amount for which such claims can be settled and the Company shall relinquish the conduct of any defence settlement or proceedings and shall not then be responsible for damages payable to the claimant and claimant's costs or for any damages alleged to have been caused to the Insured or such person in consequence of any alleged action or omission of the Company in connection with such defence settlement or proceedings or of the Company relinquishing such conduct nor shall the Company be liable for any costs or expenses whatsoever incurred by the Insured or by such person or by any claimant or other person after the Company shall have relinquished such conduct.
(11) SPECIAL CONDITIONS APPLICABLE TO SECTION (II) INSURANCE (a) In the event of the death of any person entitled to indemnity under Page 2 of 8 (DM112015)
(e) any claims excesses applicable to Section (II).
(13) CLAIMS EXCESSES APPLICABLE TO SECTION (II) INSURANCE (a) In respect of any Event giving rise to a claim for indemnity against liabilities for third party property damage, the Company will not be liable for the first amount of such claim specified in the Schedule as "Third Party Property Damage Excess". (b) The first amount of any claim for which the Company is not liable pursuant to Paragraph 13(a) will be increased if at the time of the occurrence the Event giving rise to the claim: (i) the Motor Car is being driven by a person under 25 years of age, by an additional amount by way of the "TPPD-Young Driver Excess" specified in the Schedule; (ii) the Motor Car is being driven by a person who has not held for a period of 2 years a driving licence (other than a provisional driving licence), by an additional amount by way of the "TPPD-Inexperienced Driver Excess" specified the Schedule; (iii) the Motor Car is being driven by a person other than a "Named Driver" specified in the Schedule, by an additional amount by way of the "TPPD-Unnamed Driver Excess" specified in the Schedule. (c) In the event of a claim under Section (II): (i) if Paragraph 13(a) and any or more of sub-paragraphs 13(b)(i) and 13(b)(ii) are applicable, the first amount of such claim for which the Company is not liable shall be calculated cumulatively; (ii) If the expenditure incurred by the Company resulting from a claim includes the amount for which the Company is not liable pursuant to paragraph 13(a) & 13(b), the Insured shall forthwith repay such amount to the Company.
(14) AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY If the Company is obliged by the laws of any country within the Geographical Area or by virtue of any agreement between the Company and The Motor Insurers' Bureau of Hong Kong to pay an amount for which the Company would not otherwise be liable under this Policy the person on whose account the payment is made (whether that person is the Insured or any other person) shall forthwith repay such amount to the Company.
(15) SECTION (III) INSURANCE - INDEMNITY OF MEDICAL EXPENSES The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or the Insured Driver (other than the Insured) or any occupant of the Motor Car as the direct and immediate result of an accident to the Motor Car, provided always that the Company's liability under Section (III) arising out of any Event shall not exceed HK$5,000.
(16) NO CLAIM DISCOUNT ("THE DISCOUNT") (a) In the event of no claim being made or arising under this Policy during any of the periods of insurance specified below, the next renewal premium shall be reduced by the Discount specified hereunder: Periods of Insurance ________________ One year 2 consecutive years
The Discount (On Renewal Premium) ______________________________ 20% 30%
3 consecutive years 4 consecutive years 5 or more consecutive years
40% 50% 60%
(b) If a claim has been made or has arisen under this Policy during a period of insurance of which the Discount is 40% or less, the Discount shall be forfeited. If a single claim has been made or has arisen under this Policy during a period of insurance of which the Discount is 50% or 60%, the said Discount shall be reduced at the next renewal to 20% or 30% respectively, but if more than one claim has been made or has arisen, the Discount shall be forfeited. (c) For the avoidance of doubt, any claim made under any part of this Policy during a period of insurance shall result in cancellation or reduction of the Discount pursuant to paragraph 16(b) notwithstanding any assertion or allegation that the Insured and/or the person claiming to be indemnified is not to be blamed for or has not contributed to the occurrence of the Event resulting in the claim under this Policy. (d) In the event of a transfer of interest in the Policy with the Company's prior consent from one Insured to another the claim-free period of qualification for the Discount so far as it affects the new Insured shall commence afresh with effect from the date of transfer, and the original Insured shall retain his right to the Discount earned up to the date of transfer which right is applicable to any motor insurance policy taken out by the original Insured on any one private motor car within 12 months of the date of transfer. (e) If more than one Motor Car is insured under this Policy, the Discount shall be applied as if a separate Policy had been issued in respect of each such Motor Car.
(17) GENERAL EXCEPTIONS The Company will not be liable under this Policy in respect of: (a) any accident loss damage or liability caused sustained or incurred: (i) outside the Geographical Area; (ii) whilst on the Insured's order or with his permission or to his knowledge the Motor Car in respect of which indemnity is provided by this Policy is being used otherwise than in accordance with the Limitations As To Use Of The Motor Car, 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; (b) any accident loss damage or liability (except so far as is necessary to meet the requirements of the Motor Vehicles Insurance (Third Party Risks) Ordinance) directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with: (i) mutiny; or (ii) strike riot civil commotion; or (iii) detention seizure confiscation or any attempt thereat; or by any direct or indirect consequences of any of the said occurrences; (c) any death, disability, loss, damage, destruction, any legal liabilities, cost or expense including consequential loss of whatsoever nature, directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: (i) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or (ii) any act of terrorism including but not limited to: a. the use or threat of force, violence; and/or b. harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, nuclear radiation and/or contamination by chemical and/or biological agents; by any person(s) or group(s) of persons, committed for political, religious, ideological or similar purposes, express or otherwise, and/ or to put the public or any section of the public in fear; or (iii) any action taken in controlling, preventing, suppressing or in any way relating to sub-paragraphs 17(c)(i) or 17(c)(ii) above; (d) any loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: (i) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; (ii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof; (iii) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter; (e) any loss or damage occasioned directly or indirectly by or through or in consequence of any of the following occurrences namely: (i) permanent or temporary dispossession resulting from confiscation nationalisation commandeering or requisition by any lawfully constituted authority; (ii) permanent or temporary dispossession of any building resulting from Page 3 of 8 (DM112015)
the unlawful occupation of such building by any person; provided that the Company is not relieved of any liability to the Insured in respect of physical damage to the Property Insured occurring before dispossession or during temporary dispossession which is otherwise covered by this Policy; (iii) the destruction of property by order of any public authority; (f) any liability which attaches by virtue of an agreement but which would not have attached in the absence of such agreement; (g) any accident, loss, damage or liability caused, sustained or incurred whilst the Motor Car is being driven by, or is in the charge of, or is under the control of the Insured or Insured Driver: (i) who is convicted of an offence for being under the influence of drink and/or drugs to such an extent as to be incapable of having proper control of the Motor Car; or (ii) when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in Section 2 of the Road Traffic Ordinance (Cap. 374) as may be amended from time to time or any legislation which replaces the same; or (iii) who is convicted of an offence for failing, without reasonable excuse, to provide a specimen of breath, blood, or urine for testing or analysis as required by law. (h) any exposure on Sanction and subject to the following clause: Sanction Exclusion Clause The Company shall not provide cover nor shall the Company be liable to pay the claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic, sanction, laws or regulations of any jurisdiction applicable to the Company. In any action suit or other proceedings where the Company alleges that by reason of paragraphs 17(c), any accident loss damage or liability is not indemnifiable by this Policy, the burden of proving that such accident loss damage or liability is indemnifiable shall be upon the person claiming to be indemnified.
(18) GENERAL CONDITIONS (a) Contracts (Rights of Third Parties) Ordinance Exclusion Any person or entity who is not a party to this Policy shall have no right or rights under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong) and any subsequent amendment or revision or replacement thereof to enforce any of its terms under any circumstances whatsoever. (b) Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company. (c) In the event of any occurrence which may give rise to a claim under this Policy the Insured shall immediately give notice thereof to the Company with full particulars. Every letter claim writ summons and process shall be notified or forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured or any person claiming to be indemnified shall have knowledge of any impending prosecution inquest or fatal inquiry in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and cooperate with the Company in securing the conviction of the offender. (d) No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured or any person claiming to be indemnified without the prior written consent of the Company which shall be entitled to take over and conduct in the name of the Insured or such person the defence or settlement of any claim or to prosecute in the name of the Insured or such person for the Company's own benefit any claim for indemnity or damages or otherwise and the Company shall have full discretion in the conduct of any proceedings and in the settlement of any claim and the Insured and such person shall give all such information and assistance as the Company may require. (e) The Insured shall take all reasonable steps to safeguard the Motor Car from loss or damage and to maintain it in efficient condition and the Company shall have at all times free and full access to examine the Motor Car or any part thereof or any driver or employee of the Insured. In the event of any accident or breakdown the Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if the Motor Car be driven before the necessary repairs are effected any extension of the damage or any further damage to the Motor Car shall be excluded from the scope of indemnity granted by this Policy. (f) (i) The Company may cancel this Policy by giving seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium paid less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice and (provided no claim has arisen during the current Period of Insurance and the current Certificate of Insurance has been returned to the Company on or before the date of cancellation) the Insured shall be entitled to a return of premium less the premium calculated at the Company's Short Period Rates for the period the Policy has been in force. (ii) Short Period Rates:
The following scale of rate apply to policy issued or renewed for less than one year and shall also be used in calculating return premium on policy cancelled at the request of the Insured and not replaced within a period of one year from date of cancellation, subject to a minimum and nonrefundable premium of HK$1,000 + MIB after client's discount. Period Not exceeding
Exceeding
1 month 2 months 3 months 4 months 5 months 6 months 7 or 8 months 8 months
20% of annual rate 30% of annual rate 40% of annual rate 50% of annual rate 60% of annual rate 70% of annual rate 80% of annual rate Full annual premium
(g) If at the time any claim arises under this Policy there is any other insurance covering the same loss damage or liability the Company shall not be liable to pay or contribute more than its rateable proportion of any loss damage compensation costs or expenses provided always that nothing in this paragraph 18(f) shall impose on the Company any liability from which but for this paragraph 18(f) it would have been relieved pursuant to sub-paragraph 12(a)(ii). (h) In the event of a dispute arising out of this Policy, the parties may settle the dispute through mediation in good faith in accordance with the relevant Practice Direction on civil mediation issued by the Judiciary of Hong Kong and applicable at the time of dispute. All unresolved disputes shall be determined by arbitration in accordance with the Arbitration Ordinance (Chapter 609), Laws of Hong Kong as amended from time to time. The arbitration shall be conducted in Hong Kong by a sole arbitrator to be agreed by the Parties. It is expressly stated that the obtaining of an arbitral award is a condition precedent to any right of legal action arising out of this Policy. In respective of the status or outcome of any form of alternative dispute resolution, if we deny or reject liability for any claim under this Policy and the Insured does not commence arbitration in the aforesaid manner within twelve (12) calendar months from the date of our disclaimer, the Insured's claim shall then for all purposes be deemed to have been withdrawn or abandoned and shall not thereafter be recoverable under this Policy. (i) This Policy is subject to the exclusive jurisdiction of Hong Kong and is to be construed according to the laws of Hong Kong.
(19) 15 EXTRA BENEFITS All these extra benefits are applicable to Comprehensive Cover Policy only (a) No Claim Discount Protector It there is a claim during the period of insurance, the Insured will at renewal be entitled to the same percentage No Claim Discount as under the current Policy provided that: (i) Not more than one claim is reported during any one period of insurance; (ii) After the application of excess, the claim amount incurred under all sections of the Policy does not exceed HKD60,000 or 15% of the Sum Insured of the Motor Car whichever is the lesser amount. NOTE: All the claims will be accounted for in the event the No Claim Discount is to be transferred to any other insurance company for whatever reason including non-renewal by both parties. (b) Windscreen Damage Extension In respect of loss or damage occasioned to front glass windscreen and/ or sun roof of the Motor Car, the Company will pay for the costs of repair or replacement up to HKD5,000 per event provided that such repair or replacement is done with the prior consent of the Company and arranged via our 24-hour Hotline on 8100 6803. Choice of option for repair or replacement of any damaged windscreen/ sun roof is subject to the final decision of the Company. It is further noted and agreed that exception 7(d) of the Policy will not applied to this extension and any claim made under this item will not be accounted for in the calculation of total claims incurred stated in the No Claim Discount Protector. (c) New for Old Replacement Vehicle In the event of the Motor Car having sustained a total loss, the Company, at its own option, pays in cash or replaces the Motor Car with the same make and model without deducting any depreciation provided that: (i) The loss occurs within twelve (12) months of the first registration of the Motor Car with the Transport Department in Hong Kong; (ii) The first registration of the Motor Car with the Transport Department in Hong Kong must be made within twelve (12) months from the date of manufacture of the Motor Car thereof; (iii) The net purchase price of the replacement vehicle does not exceed the Sum Insured of the Motor Car; and (iv) The replacement vehicle does not take into account of any modifications, additional accessories and equipment having been installed into the Motor Car. If the make and model of the Motor Car is not available in Hong Kong or the Insured does not accept the replacement vehicle, the Company will pay the Insured in accordance with the terms and conditions of the Policy as if this extra benefit item does not apply.
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(d) Personal Accident Protection The Company will pay a maximum of HKD100,000 during the period of insurance as compensation for bodily injury sustained by the Insured or the Named Driver(s) under the Policy whilst driving the Motor Car and caused by violent accidental external and visible means which shall happen within three (3) calendar months of the occurrence of such injury result in: (i) death; (ii) the loss by physical separation at or above the wrist or ankle of one or both hands or feet; (iii) the complete and irrecoverable loss of all sight in one or both eyes However, no compensation shall be payable in respect of bodily injury directly or indirectly caused by the Insured or the Named Driver(s): (i) being under the influence of intoxicants or drugs (unless under medical supervision) or alcohol; (ii) committing or attempting to commit suicide or intentionally inflicting self-injury; (iii) engaging in racing, pacemaking, reliability trial or speed testing. (e) 24-Hour Emergency Roadside Assistance If your Motor Car is immobilized on the road due to an accident or mechanical breakdown, we will at our own expense, excluding fuel and any parts or accessories, arrange emergency roadside repair service at the request of the Insured or his authorized driver. (f) 24-Hour Free Towing Service If your Motor Car cannot be repaired at the roadside following an accident or mechanical breakdown, we will arrange for the Mortor Car to be towed to your repairer or to your home at the request of the Insured or his authorized driver. (g) Removal of the Vehicle If whilst travelling on ordinary roads, the Motor Car is to be unable to move by its own means due to overturning or falling down a slope, we will arrange its removal to your repairer or to your home at the request of the Insured or his authorized driver. (h) Replacement Keys If the keys necessary to access or operate the Motor Car are lost or misplaced, the Insured may request the urgent forwarding service through our courier of another set from his place of residence, which must be given to a representative of the Company. (i) Fuel/ Water/ Oil Delivery If the Motor Car runs out of fuel/ water/ oil, the Insured may require us to provide up to 25 liters for emergency need. Cost of the fuel/ water/ oil should be borne by the Insured. (j) Battery Boarding If the Motor Car does not start due to the battery being discharged, we will take care of boosting it by an approved technician. (k) Tire Replacement If the Motor Car has a punctured tire, we will take care of replacing it with the spare provided by the Insured. Neither the supply of parts or replacement elements, nor materials in general are included in this extra benefit. (l) Taxi Service In the event that the assistance of Towing Service has been arranged for a breakdown or accident of the Motor Car, we will reimburse the expenses of a taxi for the Insured to return to his home or to reach his planned destination anywhere within Hong Kong. The Insured must provide the original receipt to claim for the reimbursement. (m) Alternate Car In the event of your Motor Car being (i) immobilized due to an accident which requires a repair exceeding forty-eight (48) working hours; or (ii) discovered stolen and not found within forty-eight (48) hours We will arrange and pay for the supply of an alternate car. The most we will pay is 80% of the actual car rental cost, subject to a daily limit of HKD1,000 and in aggregate limit of HKD5,000 for each and every case. (n) 24-Hour Claims Advisory Service A 24-hour claims enquiry hotline is available to the Insured to advise on the claim procedures and how to report a claim. (o) 24-Hour Traffic Regulation Enquiry Service A 24-hour general advisory service hotline provides sound and professional advice on traffic regulations to the Insured. The Company shall not be liable to provide information or advice beyond their capacity or for loss or damage resulting therefrom. Remarks: a) Items (e) – (o) are services provided by the service provider nominated by the Company who shall not be held responsible for any disputes arising between the Insured and the service provider. These services are only available upon notification through the hotline 8100 6803. b) Services in Items (e) – (o) are provided in the Hong Kong Special Administrative Region only and with a limit of HKD2,000 per assistance event unless otherwise specified.
大新保險(1976)有限公司 香港北角英皇道510號 港運大廈20樓 電話 2808 5000 傳真 2598 8008 www.dahsinginsurance.com
私家車汽車保險單(本譯文僅供參考) (1) 保險條款 「受保人」與「本公司」雙方同意： (a) 將「投保表格及聲明」收納入本保險合約，並作為本保險合約的依據； (b) 由「受保人」繳付「附表」所列的「保費」； (c) 「本公司」按照本「保單」的條款與條件，為「附表」所訂「保險期」 內發生的「事故」提供保險；及 (d) 「本公司」承擔保險責任的先決條件如下： (i) 「受保人」或其他索取彌償者均已遵守本「保單」任何有關應做或 不應做事項的條款與條件；及 (ii) 「投保表格及聲明」的內容及陳述均屬真實無訛。 本「保單」須由「本公司」授權的人士在「附表」簽署後方可生效。
(2) 一般釋義 於本「保單」而言： (a) 「本公司」指大新保險(1976)有限公司。 (b) 「事故」指由同一個原因或事源引起而與「受保汽車」有關的單一或連 串「事故」。 (c) 「本地區」指香港特別行政區；如以水路運載「受保汽車」(包括附帶的 裝卸情況)，則包括香港特別行政區的海域。 (d) 「受保人」指「附表」指定為受保人的人士。
(c) 如「受保汽車」及/或其配件及/或其零件損失或毀壞，而「本地區」(即 修理受保汽車的所在地)沒有所需零件的存貨，或「本公司」選擇對損失 或毀壞作出現金彌償，則「本公司」對該零件的彌償責任僅限於該零件 製造商或其代理商為「本地區」(即修理受保汽車的所在地)所發佈的最 新目錄或價格表內的價格，或如無此等目錄或價格表，則僅限於最後在 該製造廠取得的價格加上運送(空運除外) 該零件到「本地區」(即修理受 保汽車的所在地)的合理運費，以及有關的進口稅與裝配該零件的合理費 用。
(6) 適用於第(I)節保險的特別條件 (a) 如按「受保人」的要求，「附表」或本「保單」隨附的備忘內所列出的 「按揭財務公司」，則「本公司」就「受保汽車」的損失或毀壞所支付 的任何現金款項均應向該「按揭財務公司」支付。該「按揭財務公司」 簽發的收據即成為「本公司」對該損失或毀壞所負責任的圓滿了結。 (b) 「受保人」對「本公司」根據本「保單」可能負責彌償的損毀，可授權 進行必要的修理，但須符合下列條件： (i) 預計修理費不得超過港幣1,000元；； (ii) 即時向「本公司」提供修理費的詳盡估價；及 (iii) 「受保人」須全力協助「本公司」明白該項修理是必需的而收費是 合理的。 (c) 如「受保汽車」的修理費用是第(I)節的索償項目，「本公司」有權否決 有關修理地點或修理商號的建議。
(7) 適用於第(I)節保險的特別不承保事項 「本公司」不承保以下事項：
(e) 「受保司機」指「受保人」或任何獲其指令或許可駕駛「受保汽車」的 其他人士，惟「受保人」或駕駛「受保汽車」的人士必須持有駕駛該汽 車的有效執照，或已持有而未遭吊銷或拒發該執照。「執照」一詞指 「本地區」的法律、規例或發牌當局所規定的駕駛執照或許可證。
(a) 相關後果損失；
(f) 「受保汽車」指「附表」指定的汽車。
(c) 輪胎受損，除非「受保汽車」其他部份同時受損；
(g) 「保單」指本「私家汽車保險單」、「附表」及任何載於或附隨於本文 的備忘及批單。全部須視作為同一份文件，任何具有特定含義的詞語在 整份文件中意義保持一致。
(d) 任何適用於第(I)節的索償自負額；
(h) 「投保表格及聲明」指已簽署的投保表格、聲明，以及「受保人」或其 代表所提供的任何附加或替代資料。 (i) 「附表」指本「保單」的附頁，用以列明本保險合約的條文及細節。 (j) 在本「保單」中，除另有規定外，單數須包括複數，反之亦然；凡提及 某一性別的皆適用於其他性別。 (k) 本保險單載有中文及英文版本。如本保險單的中文本與英文本有任何出 入之處，一切條款概以英文本為準。
(3) 適用承保範圍 (a) 如在「附表」上的「承保類型」指定為「綜合保險」，則本「保單」第 (I)、(II)及(III) 節均適用。 (b) 如在「附表」上的「承保類型」指定為「第三者責任保險」，則只有本 「保單」第(II)節適用。
(4) 汽車使用限制 本「保單」任何部份所提供的保障，只在「受保汽車」作社交、家庭或遊樂 用途，或作涉及「受保人」的業務或職業的用途時方為有效。 本「保單」不適用於「受保汽車」出租或收費形式接載乘客，或作賽車、定 速度、可靠性試驗、車速測試或用作任何涉及汽車業務的用途。
(5) 第(I)節保險 – 針對「受保汽車」的損失或毀壞 (a) 「本公司」就「受保汽車」及/或其配件及/其零件(只限正用於受保汽車 者)的損失或毀壞對「受保人」作出彌償。「本公司」可選擇修理、復原 或替換「受保汽車」及/或其配件及/或其零件，或對損失或毀壞作出現 金彌償。 「本公司」根據第5(a)項所作的彌償只限於： (i) 「受保汽車」在損失或毀壞時的合理市值；或 (ii) 「受保人」在「附表」內根據「受保汽車」估值(包括其配件及/或零 件)所列出的投保額； 以二者中較低為準。 (b) 如「受保汽車」因本「保單」承保的損失或毀壞而不能操作，「本公 司」會另付以下安排所需的合理費用：
(b) 折舊、自然損耗、機件或電器故障、失靈或破損；
(e) (i) 任何設備或電腦故障；及 (ii) 任何設備或電腦程式故障或不足而不能來確認或正確地解釋或處理 任何日期作為真正的或正確的日期或在該日期後繼續正常運作。
(8) 適用於第(I)節保險的索償自負額 (a) 對於任何導致索償的「事故」(盜竊或企圖盜竊的「事故」除外) ，「本 公司」將不負責有關索償的首筆相等於保險「附表」中「一般自負額」 的款項。 (b) 如在導致索償的「事故」發生時遇下列情況，根據第8(a)項不應由「本 公司」負責的首筆款額則會增加： (i) 正 駕 駛 「 受 保 汽 車 」 的 人 士 並 非 保 險 「 附 表 」 所 列 的 「 指 定 司 機」，則加上保險「附表」所列的「非指定司機自負額」； (ii) 「受保汽車」正由25歲以下的人士駕駛，則加上保險「附表」所列 的「年輕司機自負額」； (iii) 「受保汽車」正由持有駕駛執照(不包括臨時駕駛執照)不足兩年的人 士駕駛，則加上保險「附表」所列的「新牌司機自負額」； (iv) 「受保汽車」正停放在一處，則加上保險「附表」所列的「停泊損 毀自負額」。 (c) 對於任何因盜竊或企圖盜竊「受保汽車」而引致的索償，「本公司」將 不負責每項索償首筆相等於保險「附表」中「盜竊損失自負額」款項。 (d) 若根據第(I)節作出的索償： (i) 如第8(c)項適用，則第8(a)及8(b)項並不適用； (ii) 如第8(a)項及第8(b)(i)、8(b)(ii)、8(b)(iii)及8(b)(iv) 項任何一項或多 項適用，則不應由「本公司」負責的首筆款額將予以累積計算； (iii) 如「本公司」招致的開支包括任何根據第8(a)、8(b)或8(c)項不應由 「本公司」負責的金額，「受保人」須立即將該筆款項償還「本公 司」。 (e) 如「受保汽車」的損失或毀壞由獨立產生(即並非因任何先前涉及「受保 汽車」的意外引致)的火災、自燃、閃電或爆炸造成，則第8(a)及8(b)項 的規定將不適用。
(9) 第(II)節保險 – 針對第三者法律責任
(ii) 在完成修理後將「受保汽車」送回「受保人」在「本地區」(即發生 損失或毀壞的地區)內的地址；
在「保單」責任限額、條件與不承保事項的規限下，「本公司」會彌償 「受保人」及/或任何「受保司機」及/或 在「受保人」要求下任何「受保汽 車」內或進出「受保汽車」的人士(駕駛「受保汽車」的人士除外) 不列事項 應負責支付的一切款項(包括索償人的訟費與開支)，以及在「本公司」的書 面同意下由「受保人」或其代表及/或由「受保司機」或其代表及/或由該其 他人士或其代表所招致的其他訟費與開支：
惟上述費用不得超過「受保汽車」的協定修理費用的20%。
(a) 任何人的死亡或身體受傷；及/或
(i) 保護及運送「受保汽車」至最近的修理處；及
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(b) 財產損毀； 而上述傷亡或財產損毀源自「受保汽車」所引致或涉及的意外，包括在 「受保汽車」裝卸貨物，以及在行車道或大道範圍內將需要裝上「受保汽 車」的貨物搬至該汽車或在「受保汽車」卸貨後將貨物搬離該汽車。
(10) 適用於第(II)節保險的保單責任限額 (a) 「本公司」根據第(II)節因任何「事故」向「受保人」及/或其他索取彌償 人士所提供的彌償，包括索償人的訟費與開支，以及在「本公司」的書 面同意下由「受保人」或其代表招致及/或由該其他人士或其代表招致的 其他訟費與開支，均有以下限額： (i) 根據第9(a) 項有關任何人的死亡或身體受傷，限額港幣100,000,000 元；及 (ii) 有關根據第9(b) 項有關的財產損毀，限額港幣2,000,000元。 如本「保單」承保多於一輛「受保汽車」，不論涉及在同一「事故」的 「受保汽車」數目多少，均以上述彌償限額為準。 (b) 如任何「事故」導致多於一人獲得彌償，則第10(a)項規定的「本公司」 彌償限額將適用於所有索取彌償人士的彌償總額，但「受保人」可優先 獲得彌償。 (c) 在導致第(II)節的一宗或一連串索償「事故」發生後，「本公司」可隨 時向「受保人」及/或任何其他索取彌償的人士全數支付第10(a)項規定 的「本公司」責任限額(但需扣除任何已付數額)或索償達成和解的較少 款項，而「本公司」須放棄進行任何抗辯、和解或司法程序，從此對以 下各項概不負責：應向索償人支付的損害彌償及索償人的訟費；或任何 聲稱因「本公司」在抗辯、和解或司法程序方面的作為或不作為，或因 「本公司」上述放棄該行為而導致「受保人」或該人士蒙受的損害。 「本公司」對以下費用亦不負責：「受保人」或該人士或索償人或其他 人士在「本公司」採取上述放棄行為後才招致的任何訟費或開支。
(11) 適用於第(II)節保險的特別條件 (a) 如任何有權根據第(II)節獲得彌償的人士去世，「本公司」則在按照及不 抵觸本「保單」適用於該死者的限制條款下，就該人士招致的法律責任 向其法定遺產代理人作出彌償。 (b) 「本公司」有權選擇及自費： (i) 安排代表出席與第(II)節彌償所針對的死亡有關的調查或死因研訊； 及/或 (ii) 在法院司法程序中就任何行為或指稱的罪行導致或涉及第(II)節彌償 所針對的事故抗辯。
(12) 第(II)節保險的特別不承保事項 「本公司」不承保以下事項： (a) 對任何索取彌償的人士作出彌償： (i) 除非該人士遵守、履行及符合本「保單」所有適合的條款與條件；或 (ii) 如該人士有權根據其他保險單獲得彌償； (b) 受僱於以下人士者在受僱工作期間因工死亡或身體受傷： (i) 任何根據第(II)節索取彌償的人士(包括「受保人」) ；或 (ii) 任何根據第(II)節索取彌償的人士(包括「受保人」)的僱主； (c) 屬於以下人士或由以下人士以信託形式持有、保管或管控的財產所蒙受 的損失： (i) 任何根據第(II)節索取彌償的人士(包括「受保人」) ；或 (ii) 任何根據第(II)節索取彌償的人士(包括「受保人」) 共住的人士； (d) 並非由香港特別行政區司法管轄權的法院作出初審的判決； (e) 適用於第(II)節保險的索償自負額。
(13) 適用於第(II)節保險的自負額 (a) 如有「事故」導致第三者財產損失的法律責任而索取彌償，「本公司」 將不負責有關索償的首筆相等於「附表」中「第三者財產損毀自負額」 的款項。 (b) 如在導致索償的「事故」發生時遇下列情況，根據第13(a)項不應由「本 公司」負責的首筆款額則會增加： (i) 「受保汽車」正由25歲以下的人士駕駛，則加上保險「附表」 所 列的「第三者年輕司機自負額」； (ii) 「受保汽車」正由持有駕駛執照(不包括臨時駕駛執照)不足兩年的人 士駕駛，則加上保險「附表」所列的「第三者新牌司機自負額」； (iii) 正 駕 駛 「 受 保 汽 車 」 的 人 士 並 非 保 險 「 附 表 」 所 列 的 「 指 定 司 機」，則加上保險「附表」所列的「第三者非指定司機自負額」。 (c) 若根據第(II)節作出賠償: (i) 如第13(a) 項、13(b)(i) 及13(b)(ii) 項任何一項或多項適用，則不應 由「本公司」負責的首筆款額將予以累積計算； (ii) 如「本公司」招致的開支包括任何根據第13(a) 或13(b)項不應由 「本公司」負責的金額，「受保人」須立即將該筆款償還「本公 司」。
(14) 條款無效及追回款項權 如按照「本地區」中任何國家的法律或根據「本公司」與「香港汽車保險 局」的任何協議，「本公司」須支付一筆依據本「保單」不應由「本公 司」負責的款項，則「受保人」及任何其他獲「本公司」為其付款的人士 (不論是否「受保人」)須立即將該筆款項償還「本公司」。 Page 6 of 8 (DM112015)
(15) 第(III)節保險 – 醫療費用彌償 如「受保人」或「受保司機」(非「受保人」)或任何佔用「受保汽車」的人 士身體直接及即時因「受保汽車」的意外而透過突發、外來及可見的途徑而 受傷，「本公司」將向「受保人」支付為此而招致的合理醫療費用，但在任 何情況下，「本公司」根據第(III)節因任何「事故」承擔的法律責任不得超 過港幣5,000元。
(16) 無賠償折扣 (簡稱「折扣優惠」) (a) 倘在任何下列保險期間並無根據本「保單」作出或引致索償，則在下次 續保時，保費將獲以下「折扣優惠」: 保險期 一年 連續兩年 連續三年 連續四年 連續五年或以上
折扣優惠(適用於續保保險費) 20% 30% 40% 50% 60%
(b) 如在可得40%或以下「折扣優惠」的保險期內曾根據本「保單」作出或 出現索償，則該「折扣優惠」須被取消。 如在可得50%或60%「折扣優惠」的保險期內曾根據本「保單」作出 或出現一項索償，則該「折扣優惠」須在下次續期時分別減至20%或 30%；但如作出或出現超過一項索償，則該「折扣優惠」須被取消。 (c) 為免除疑問，倘在保險期間曾依據本「保單」任何部份作出索償，則 縱使「受保人」及/或索取彌償的人士堅稱或聲稱發生引致索償的「事 故」，不應歸咎於他/她或並非由他/她促成，他/她所享有的「折扣優 惠」仍須根據第16(b) 項被取消或扣減。 (d) 倘「受保人」獲得「本公司」事先同意，將本「保單」的利益轉讓給另 一人士，新「受保人」無彌償紀錄的計算年期由轉保生效日期開始計 算；而原「受保人」則保留轉保時自己應有的「折扣優惠」，該優惠適 用於原「受保人」在轉保日期12個月內為任何一輛私家汽車購買的汽車 保單。 (e) 如本「保單」承保超過一輛「受保汽車」，則「折扣優惠」對各輛「受 保汽車」同樣適用，猶如每輛「受保汽車」各有獨立的保險單一樣。
(17) 一般不承保事項 「本公司」根據本「保單」不承保以下事項： (a) 在下列情況下造成、蒙受或招致的任何意外、損失、毀壞或法律責任： (i) 在「本地區」以外範圍； (ii) 在獲「受保人」指令、許可或在其知情的情況下，與本「保單」所 提供的彌償有關的「受保汽車」在並非遵照保險單「汽車使用限 制」的情況下使用中，或由並非「受保司機」的人士駕駛(或所謂由 該人士駕駛，是指在該人士指揮下駕駛) ； (b) 由下列項目直接或間接、作為近因或遠因引起、參與造成、或可追溯 至、或引發或相關的任何意外、損失、毀壞或法律責任(但為符合《汽車 保險(第三者風險)條例》的規定而必須負責的情況則屬例外)： (i) 叛亂；或 (ii) 罷工、暴亂、內亂；或 (iii) 拘禁、扣押、充公或企圖拘禁、扣押、充公； 或因任何上述事故產生的直接或間接後果； (c) 由下列項目直接或間接、引起、導致或相關的任何死亡、傷殘、損失、 損害、毀壞，或任何法律責任，費用或開支，包括任何性質的相關後果 損失，或不論有否其他原因或事故同時或在任何其他時間促成的損失： (i) 戰 爭 、 入 侵 、 外 敵 行 動 、 戰 鬥 或 類 似 戰 爭 的 行 動 （ 無 論 宣 戰 與 否）、內戰、叛亂、革命、起義、造反或由內亂引發的局部或全面 起義，軍事政變或篡奪權力；或 (ii) 任何恐怖活動，包括而不局限於下列項目： a. 使用或威脅使用武力，暴力；及/或 b. 使生命或財產受到傷害或損失（或威脅這種傷害或損失），包括 但不限於核輻射及/或化學污染及/或生物化學製劑； 經由任何人或團體，為了政治，宗教，意識形態或類似意圖的，以明 示或以其他方式，及/或令公眾或任何部分公眾恐慌；或 (iii) 採取任何行動或方式以控制、預防、制止或任何有關以上的第17(c) (i) 或17(c)(ii) 項列舉的活動； (d) 由下列項目直接或間接引起、導致或相關的任何損失、毀壞費用或開 支，不論有否其他原因或事故同時或在任何其他時間促成的損失： (i) 電離輻射或放射性污染(來自核燃料或來自核燃料所產生的核廢料) ； (ii) 放射性，毒性，爆炸性或其他類型危險品或污染物(來自任何核設 施，核反應爐或其他核配件或核部件組裝) ； (iii) 任何使用原子能或核裂變和/或核聚變或其他類似的反應或放射動力 或事物的戰爭武器； (e) 由下列項目直接或間接、作為近因或遠因引起的損失或毀壞： (i) 永久或暫時沒收(經由任何合法的法定權力所充公、國有化、強行徵 募或徵用)； (ii) 永久或暫時剝奪任何被非法佔用的建築物； 但「本公司」對「受保人」在本「保單」承保的受保財產在沒收之前或 暫時沒收的期間之毀壞，將不會免除任何責任； (iii) 任何公共機構命令的財產破壞；
(f) 任何因協議而附加的法律責任；
(ii) 短期保費率：
(g) 如於下列情況，「受保汽車」在「受保人」或「受保司機」駕駛或企圖 駕駛、操縱或控制下發生、蒙受或招玫任何意外、損失、損害或責任：
以下保費率適用於已簽發或已續訂不足1年的保單，亦適用於「受保 人」要求取消保單而不在取消日起1年內另訂取替保單，有關保費退款 亦按短期保費率計付，惟「本公司」設有最低及不獲退還的保費額為港 幣1,000元並且需要加上MIB附加徵費(已扣除無賠償「折扣優惠」)：
(i) 「受保人」或「受保司機」在有關「事故」時是受酒類及/或藥物 的影響，其程度達到沒有能力妥當地控制「受保汽車」，因而被定 罪；或 (ii) 「受保人」或「受保司機」呼氣；血液或尿液中酒精含量超出不時 修訂之《道路交通條例》（香港法律第374章）第2條或其他取代該 條例之法例所指定的上限；或
保險期 不超過
(iii) 「受保人」或「受保司機」無合理原因而不依法提供呼氣、口腔粘 液、血液或尿液進行測試或分析，或進行其他有關法例規定之測 試。 (h) 一切由制裁引致及根據以下條款: 制裁除外條款 「本公司」對於任何承保、支付索償或提供利益致使「本公司」會面臨 由聯合國的決議, 貿易或經濟制裁或適用於「本公司」的任何司法管轄 範圍內的法律法規下的任何制裁、禁止或限制，則不會在此提供承保或 有責任去支付任何索償或提供任何利益。 在任何法律行動、訴訟或其他司法程序中，如「本公司」指稱任何意外、損 失、毀壞或責任因第17(c)項的緣故不可根據本「保單」獲得彌償，則舉證 責任落在索取彌償的人士身上，由其證明該意外、損失、毀壞或責任可獲得 彌償。
(18) 一般條款 (a) 《合約（第三者權利）條例》除外條款 任何不是「本保單」某一方的人士或實體，不能根據《合約（第三者權 利）條例》（香港法例第623章）及其後生效的修訂或更改或取代，在 任何情況下強制執行「本保單」的任何條款。 (b) 凡根據本「保單」發出或作出的通知書或通訊，均須以書面形式送達 「本公司」。 (c) 一旦發生任何可根據本「保單」引致的事件，「受保人」須立即將全部 詳情通知「本公司」。「受保人」在收到任何索償書信、令狀、傳票或 法律程序文件後，須立即通知並將有關文件轉交「本公司」。「受保 人」或任何索取彌償的人士如獲悉與引致本「保單」索償的事件有關而 即將進行的起訴、調查或死因研訊，須立即以書面通知「本公司」。如 因盜竊或其他刑事罪行可能成為本保險單索償因由，「受保人」須立即 通知警方，並須與「本公司」合作將犯罪者繩之於法。 (d) 在未得「本公司」事先書面同意前，「受保人」(或其代表)或任何索取 彌償的人士(或其代表)不得作出以下任何一項：承認、要約、承諾、付 款或彌償。「本公司」有權以「受保人」或索取彌償人士的名義就任何 索償接辦及進行抗辯或和解，或為「本公司」利益以「受保人」或該人 士的名義，就任何對彌償或損害或其他項目的索償作出起訴。「本公 司」對進行任何法律程序及任何索償的和解享有全面的酌情決定權。 「受保人」及該人士須向「本公司」提供一切所需的資料及協助。 (e) 「受保人」須採取一切合理步驟以防「受保汽車」損失或損毀，以及保 持「受保汽車」的良好狀態。「本公司」亦有權隨時及全面自由地檢查 「受保汽車」或其任何部份，或查問「受保人」的司機或僱員。如遇意 外或故障，不得將「受保汽車」置諸不理而不採取適當措施以防止進一 步的毀壞或損失；如「受保汽車」在未經必需的修理前遭人駕駛，則任 何增加的損毀或「受保汽車」任何進一步的損毀，均不得包括在本「保 單」的彌償範圍內。 (f) (i) 「本公司」可以下述方式取消本「保單」：七天前以掛號郵遞將有 關通知寄往「受保人」最後為人所知的地址。在該情況下，「本公司」 在扣除本「保單」有效期內按比例應付的保險費後，將向「受保人」退 還保險費餘額；或本「保單」可隨時由「受保人」以七天書面通知取 消，而(只要在當時的「保險期」內未出現任何索償，並在取消日期當日 或之前將當時的保險憑證交還「本公司」)「受保人」有權獲退還保險費 餘額(即在扣除以「本公司」短期保費率計算本「保單」有效期內應付的 保險費後的餘額)。
超過
1個月 2個月 3個月 4個月 5個月 6個月 7或8個月 8個月
(g) 如在任何時間出現索償時有任何其他保單承保同一損失、毀壞或法律責 任，「本公司」不必負責支付或攤分超過其按比例應付的任何損失、毀 壞、彌償、訟費或開支數額，但在任何情況下，第18(f)項均不得將任何 責任加於「本公司」：若無第18(f)項便可根據第12(a)(ii)條予以免除的法 律責任。 (h) 如有任何關乎本保單的爭議，爭議各方可以作出於善意的調解去和解。 調解是根據有關當時適用香港司法機構的實務指示進行。所有未解決之 保單爭議, 一律按照《仲裁條例》（香港法例等609章）及不時生效的修 訂本規定進行仲裁。如爭議各方未能協定保裁人或公證人人選，則由香 港國際仲裁中心主任委任。現明確規定，爭議各方必須待至仲裁裁決， 方可就本保單展開其他法律行動或訴訟。如「本公司」不承認「受保 人」於本保單下追索的賠償責任，而「受保人」並未於12個月內按本保 單規定將事件交由仲裁處理，即被視作已放棄索償權利，此後不得再行 追討。 (i) 本「保單」受香港特別行政區獨有的司法管轄權管限，並根據香港法律 詮釋。
(19) 15額外附加保障 所有額外附加保障只適用於「綜合保險」 (a) 無賠償折扣保障 如在保險期內提出索償，「受保人」將可保留原有保險期內之無賠償折 扣額，唯必須： (i) 於保險期內索償報告不超過一次； (ii) 總索償額在扣除自負額後，不超過港幣60,000元或「受保汽車」的 投保額的15%，以二者較低者為準。 注意: 如「受保人」基於任何理由，包括立約雙方不續保，將無賠償折 扣轉予任何其他保險公司，則「本公司」將依例計算「受保人」根據 「保單」提出的所有索償，本項附加保障概不生效。 (b) 擋風玻璃保障 當「受保汽車」的擋風玻璃及/或天窗損失或損毀，「本公司」會透過 「本公司」所委任的服務機構經 24小時熱線支付最高5,000元修理或更 換費用，損毀擋風玻璃/ 天窗的修理或更換的選擇由「本公司」作最終 定。 不承保事項7(d) 並不適用於此附加保障，任何此項目的索償額將不會計 算於「無賠償折扣保障」的總索償額內。 (c) 同款新車賠償 (i) 倘「受保汽車」遭受完全毀壞，「本公司」會決定以現金賠償或重 置「受保汽車」相同牌子及型號的車輛，並且不會扣除任何折舊 額，唯必須：「受保汽車」首次在香港運輸處登記後十二個月內蒙 受損失； (ii) 「受保汽車」在出廠後十二個月內已在香港運輸處作首次登記；
Please cut and take the contact card with you for emergency use. (Applicable to Comprehensive Cover Policy only)
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年保費率20% 年保費率30% 年保費率40% 年保費率50% 年保費率60% 年保費率70% 年保費率80% 全年保費
(iii) 重置新車的凈購價不可超過「受保汽車」的投保額； (iv) 重置新車不會包括安裝於「受保汽車」的任何改裝、附加配件及設 備。 若「受保汽車」的牌子及型號在香港沒有供應或「受保人」不接受重置 新車，「本公司」將依照「保單」的條款及條件向「受保人」支付賠 償，此附加保障將被視為不適用。 (d) 個人意外保障 「本公司」將於保險期內支付最高港幣100,000元賠償額，倘「受保 人」或「記名司機」因駕駛「受保汽車」遭遇暴力、外來或可見因由的 意外而蒙受身體損傷，並於三個月內因這意外而引致： (i) 死亡； (ii) 一隻或兩隻手或腳的腕或踝斷離； (iii) 完全喪失單眼或雙眼視力，並且不可治癒。 然而「本公司」不會作出賠償若「受保人」或「記名司機」的身體損傷 是直接或間接由於： (i) 致醉物或藥物(除非受醫學指導)或酒精； (ii) 證實或企圖自殺或固意自殘； (iii) 參與賽車、速度比賽、試車或速度測試。 (e) 24小時中途急修支援服務 倘「受保汽車」在路上因意外或機件故障而無法開動，「本公司」將應 「受保人」或其授權司機的要求，提供緊急路旁修理服務，但不會負責 燃料或任何零件或配件費用。 (f) 24小時拖車服務 倘「受保汽車」因意外或機件故障而無法在現場即時作出修理，「本公 司」將應「受保人」或其授權司機的要求將「受保汽車」拖往車房或 「受保人」的住所。 (g) 車輛搬移服務 倘在一般道路上，「受保汽車」因翻倒或滑下斜坡而無法自行正常駛 動，「本公司」將應「受保人」或其授權司機的要求將「受保汽車」搬 移往車房或「受保人」的住所。 (h) 後備車匙 倘「受保汽車」的車匙或其作開啟車門的鎖匙遺失或誤置他處，「受保 人」可要求「本公司」安排速遞從「受保人」住所提取後備車匙，唯必 須交給「本公司」代表。 (i) 燃料／水／汽油運送服務
請剪下聯絡卡並隨身攜帶，以備緊急之需。(只適用於「綜合保險」)
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倘「受保汽車」耗盡汽車必需之燃料／水／汽油，「受保人」可要求 「本公司」安排最高25升的燃料／水／汽油的運送服務，但其燃料／ 水／汽油的一切費用將由「受保人」承擔。 (j) 汽車電池發動 倘「受保汽車」因汽車電池耗竭而不能發動，「本公司」將安排合格技 工提供汽車發動服務。 (k) 汽車輪胎更換 倘「受保汽車」的輪胎破裂，「本公司」將以「受保人」提供之後備輪 胎作更換服務。不論提供配件、更換部份、或一般物料也不包括在這附 加保障內。 (l) 的士服務 如「受保汽車」因機件故障或意外而得到「本公司」拖車支援服務， 「本公司」將償付「受保人」前往其香港住所或原定計劃的目的地之的 士車費。「受保人」必須提供收據正本作索償之用。 (m) 臨時代用汽車 倘「受保汽車」於以下情況： (i) 因意外以致「受保汽車」需要多於48個工作小時的修理而無法使 用；或 (ii) 發現「受保汽車」遭人偷去，並且未能在48個小時之內尋回 「本公司」將負責安排及支付代用汽車的租車費用。最高支付為實際租 車費用的80%，而每日最高賠償限額為港幣1,000元及每宗意外總賠償 限額為港幣5,000元。 (n) 24小時賠償查詢服務 「本公司」設有24小時賠償查詢熱線，為「受保人」提供有關汽車保險 賠償程序及怎樣作出索償報告。 (o) 24小時交通條例諮詢服務 「本公司」設有24小時交通條例諮詢熱線，為「受保人」提供有關香港 交通條例的專業及正確的諮詢服務，「本公司」並不負責提供超越其能 力範圍的資料及指導服務，亦不會就由此導致的損失或損害承擔責任。 注意： (a) 第(e) – (o) 項服務由「本公司」所委任的服務機構提供，「本公司」毋 須就「受保人」與此服務機構之間的任何爭議負責，「受保人」亦必須 透過熱線電話 8100 6803 方可得到各項服務安排 (b) 第(e) – (o) 項服務只適用於香港特別行政區，除非有特別列明，每項服 務限額為港幣2,000元。
