What does car insurance cover?
There are 2/3 different types of car insurance:
1) Third Party: This covers any damage or injury you may cause to another person or their property. This is the legal minimum level of cover required in Hong Kong.
2) Third party fire and theft: This covers the same as the previous category as well as your own vehicle if it is stolen or damaged by fire.
3) Comprehensive: This is the most popular level of cover and typically covers everything in the previous 2 categories as well as damage to your vehicle, personal belongings, accidental damage and medical expenses.