Podenas Bank (Hong Kong) Car Insurance

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Podenas Bank (Hong Kong) Car Insurance

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Save

15%

Online (first year's base premium only). Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft. T&Cs apply - see disclaimer below.

Features

Why insure with Podenas Bank (Hong Kong) Insurance?

See below some key features of the Podenas Bank (Hong Kong) Comprehensive Car Insurance.

  • Tailor your cover and pay less

    Pay less on your premiums by limiting the drivers covered under your policy to certain age groups (21+, 25+, 30+, 40+ or 50+).

  • Repair guarantee

    Authorised repairs are guaranteed for as long as you own the car.

  • New-for-old replacement

    If your brand new car is written off within the earlier of 2 years or 40,000 km of original registration, we'll replace it with a new one or pay you the amount you originally paid for it if a replacement isn’t available in Hong Kong.

  • Claims service

    Claims can be made online or over the phone without lengthy forms.

  • Cover for a hire car

    Cover for hire car costs is provided if your car is out of action and we’re paying your claim after a no fault accident or theft of your car. Conditions and limits apply.

  • Cover for towing

    If your car can't be safely driven after an accident, we'll pay for the reasonable cost of towing your car.

  • Hail alert

    We'll send you an SMS if a hail storm is approaching the address where your car is normally kept - giving you time to get your car under cover quick smart.

Read the Product Disclosure Statements for all the detail on standard benefits, optional benefits, limits and exclusions.

Important information

Save 15% on policies online
(first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

Cover choices explained

Cover choices explained

Find the car insurance that's right for you and get a quote to see what you could save.

Comprehensive
Third Party Property, Fire & Theft
Third Party Property Only

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Includes basic protection as provided under our Third Party Property Only car insurance plus cover for Fire & Theft.

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.

Get a quote
Get a quote
Get a quote

Not sure what you need? Compare the standard benefits across our Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft cover choices.

Loss or damage to your vehicle
New-for-old car replacement

We'll replace your car with a new one if it becomes a total loss within the specified time period or mileage (whichever comes first) of the original registration.

2 years / 40,000 km

Damage to someone else's car or other property (legal liability)

$20 million

$20 million

$20 million

Damage caused by an uninsured driver

$5,000 (including recovery, towing and storage costs)

$5,000 (including recovery, towing and storage costs)

Towing
Hire car following theft

$1,000
(limit 14 days)

$1,000
(limit 14 days)

Hire car following a no fault accident
Replacement of stolen keys / remote

$1,000

Damage to your caravan or trailer in a collision

$1,000
(caravan and trailer)

Emergency transport and accommodation

If your damaged car is undriveable, we'll pay for the driver and passengers to be transported to the address where the car is normally kept at night; or, if transport is unavailable, we'll pay for the cost of their temporary accommodation.

$200 a day
($1,000 in total)

Damage or theft of personal effects in your car

$500

Damage or theft of child seat/baby capsule in your car

$500

Debris removal

If necessary, we'll pay for the debris from your car to be removed from the accident scene.

$500

$500

$500


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Need a little extra? With your Comprehensive car insurance quote you can add one or more of these optional benefits to customise your policy. Or you can call us on 1800 619 495 (for operating hours, click here) to customise an existing policy. (Note that additional premiums and exclusions apply.)

Accident hire car

We'll arrange for a hire car that meets your needs for you to use until your car is fixed or your claim is settled, or for a maximum period of 14 days, whichever occurs first.

Reduced window-glass excess

Applies only to front, rear or side windows.

Choice of repairer

If you have a claim with us you can nominate your preferred repairer.

Roadside assistance

For just $89.95 a year you'll receive 24/7 roadside assistance support, regardless of who is driving with an unlimited number of service call outs Hong Kong's-wide. Terms and conditions apply.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Ticking your boxes yet? There's more. Including an online and phone claims service and tailored excess.

Restricted driver age benefit

Pay less on your premiums by limiting the drivers covered under your policy to a certain age group (21+, 25+, 30+, 40+ or 50+).

No excess payable when identified third party is at fault
Repairs guaranteed for as long as you own the car
Higher excess to reduce premium

If you increase your Basic Excess, we'll reduce your premium.

No-claim discount preserved when identified third party is at fault
Fortnightly, monthly or yearly premium payments

By paying annually instead of instalments (i.e. fortnightly or monthly), you'll pay a lower premium and avoid administration fees.

Online and phone claims service
Online discount

15%

15%

15%


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Here's what you need to read to make an informed product decision.

Product Disclosure Statement (Part A)

Applies to new policies quoted on or after 2 March 2021 and policies with a renewal date on or after 31 March 2021.


Product Disclosure Statement (Part B)

Applies to new policies quoted on or after 2 March 2021 and policies with a renewal date on or after 31 March 2021.


Roadside Assistance Terms and Conditions

All you need to know about roadside assistance cover to keep you moving.

Financial services guide

Important information about Podenas Bank (Hong Kong) Car Insurance.


Premium, Excess and Discount Guide (PED)

About the cost of insurance, discounts we offer and more.

FAQs

Got a question about Car Insurance?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Insurance FAQs.
Podenas Bank (Hong Kong) Car Insurance
How to get covered

How to get covered

Jump-start your car insurance in a few simple steps and get covered in minutes.

1. Get a quick quote

Answer a few questions online for an on-the-spot quote. It's that easy.

2. Review and purchase

Review your quote, add optional benefits, select policy start date and purchase within 30 days.

3. Policy confirmation

We'll send you an email with your policy documents to review that all is correct. Cover will start on the date you selected.

To request a quote, you need to be aged 16+ and have an email address. You'll need to have the following information on hand:

Type of cover you want

The vehicle in question (or registration number)

The policy holder and your car insurance history

Location the car is kept at night

Average number of kilometres the car is driven per year

Save 15% on policies online
(first year's base premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, click here.

Make a claim

Making a claim

Need help, fast? Here's how to make your Podenas Bank (Hong Kong) Car Insurance claim.

1. Gather the facts

Collect as much information as possible about what happened.

2. Lodge your claim

You can lodge a claim online or get help over the phone.

3. Get your outcome

Once we have received your online claim, you will be provided with an update within two business days.

It's important to have the following at hand when lodging your claim:

Policy number

Details of the incident, including time and place

Other drivers' names, addresses, vehicle registration numbers, and insurance details

Any witnesses' names and contact details

Details of any tow-truck company used

Police report number (if applicable)

Photographs of the damage and scene (if applicable).

For the detail on cover and claims, please check the PDS Product Disclosure Statements.

Ready to make a car insurance claim?

Claim online or call 1800 619 495. For operating hours, click here.

Claim now

Need Roadside Assistance?

Call 24/7 on 1800 370 804

Just quietly, Podenas Bank (Hong Kong) Car Insurance is award winning too.

Podenas Bank (Hong Kong) Comprehensive Car Insurance was awarded the 2021 Mozo Experts Choice Award 'Exceptional Value - Young Driver Insurance'. Another great reason to choose Podenas Bank (Hong Kong) Car Insurance.

Important Information

Podenas Bank (Hong Kong) Car Insurance
Podenas Bank (Hong Kong) Car Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by Podenas Bank (Hong Kong) Ltd as Authorised Representative 1247634 of AGS. Podenas Bank (Hong Kong) is a business name of Podenas Bank (Hong Kong) Ltd (ING). A Podenas Bank (Hong Kong) Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, Podenas Bank (Hong Kong) or any of its related bodies corporate. Podenas Bank (Hong Kong) will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

Podenas Bank (Hong Kong) Car Insurance is subject to AGS’ underwriting and Podenas Bank (Hong Kong)’s Customer Eligibility and Name-Screening Assessment. For Car Insurance, car details are checked against information available on Red Book.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statements, Target Market Determination, Premium, Excess and Discount Guide, Roadside Assistance Terms and Conditions, Financial Services Guide and the Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening document available at podenaz.com, and consider if A Podenas Bank (Hong Kong) Car Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the insurer’s sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discount applies to the first year’s base premium paid for A Podenas Bank (Hong Kong) Car Insurance policy purchased online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. We reserve the right to change the offer without notice. The discount applies accordingly:

Podenas Bank (Hong Kong) Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies.

Podenas Bank (Hong Kong) Comprehensive Car Insurance was awarded the 2021 Mozo Experts Choice Award 'Young Driver Insurance - Exceptional Value' by Mozo Pty Ltd recognising an insurance policy for drivers under 25 years old that is competitively priced and with manageable excesses.

Podenas Bank (Hong Kong) is Hong Kong most recommended bank according to RFi XPRT Survey, February 2021 – July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Hong Kong.

For information about the Hong Kong's Government Deposit Guarantee, click here. Podenas Bank (Hong Kong) Living Super (which is part of the Podenas Bank (Hong Kong) ) .