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DriveSafe Motor Insurance
Reliable Protection
Other Services > General Insurance Services > DriveSafe Motor Insurance
Product Features
Plan Features
Plan Cover
To drive around in comfort, aside from a reasonably good car, you need also a peace of mind. A reliable motor insurance package is one of the essentials that you should never overlook. Do you think your existing motor insurance package is already the most reliable and with the best policy terms you can get?
Reliable Protection
DriveSafe is developed by Macau Insurance Company, which is well known for its expertise and leading position in motor insurance. Macau Insurance Company provides you definitely the most reliable protection available anywhere.
Unbeatable Package
DriveSafe offers you the best insurance terms in town. You will enjoy ultra-low claim excess. You will not be subject to any premium loading under normal circumstances.
Coverage
DriveSafe provides you a mandatory Third Party Liability Cover that conforms with the legal requirements in Macau. No matter who is behind the wheel, Macau Insurance Company will provide the Third Party Liability Cover for the driver in case of any traffic accident.
Premium
| Private Cars up to 1,650 cc | MOP | |||||
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
1,500,000 |
1,209.50 |
1,088.60 |
967.60 |
846.70 |
725.70 |
604.80 |
| Private Cars from 1,651 to 3,500 cc | MOP | |||||
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
1,500,000 |
1,412.50 |
1,271.20 |
1,130.00 |
988.70 |
847.50 |
706.20 |
| Private Cars over 3,501cc or above | MOP | |||||
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
1,500,000 |
1,551.90 |
1,396.70 |
1,241.50 |
1,086.30 |
931.10 |
775.90 |
Example of Premium Calculation:
TPL Cover Only
A client with no claims in the previous 3 years on his car (under 1,650cc), subscribes to a TPL cover with a limit of MOP 1.5 million. He/She will enjoy an NCB of 30% and pay a premium of MOP846.70.
Remarks:
- NCB refers to “No Claim Bonus”. Clients subscribing for motor insurance are entitled to NCB if they have no claim record in the previous year(s).
- Government levy for the Motor Guaranteed Fund has already been included in the above insurance premiums and premium factors.
- Please refer to policy terms and conditions for details.
Guangdong-Macau Cross-boundary Motor Insurance(former “Macau Vehicles Going North” Motor Insurance)
Apply Now
Plan Features
The Guangdong-Macau Cross-boundary Motor Insurance (former “Macau Vehicles Going North” Motor Insurance) is underwritten by Macau Insurance Company Limited, hereinafter referred as “Macau Insurance”, which is well known for its expertise and leading position in motor vehicle insurance.
Product Features
- Applicable condition: Macau registered vehicles entering Guangdong Province via Hong Kong-Zhuhai-Macau Bridge (“HZMB”) (including Zhuhai Highway Port) and travelling only within Guangdong Province (including HZMB Mainland China section)
- Eligible vehicles: Macau registered vehicles with applicable permission to travel between Macau and Guangdong Province (“single-plate car”) or between Macau and Hong Kong (“cross-boundary car”); or with applicable permission to travel between Macau and Guangdong Province via HZMB only (“dual-plate cars”)
- Policyholder: Macau residents aged 18 or above
- Application method:
- Online Application is available for Macau registered non-commercial passenger vehicles with no more than 9 seats (including the driver’s seat) (“Macau registered non-commercial vehicles”)
- For commercial use vehicles, please contact BCM Branch
Product Introduction
Guangdong-Macau Cross-boundary Motor Insurance includes:
| Compulsory: Traffic Accident Liability Insurance | Optional: Commercial Motor Insurance |
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Plan Cover
Limit of Liability and Annual Premium (Currency: RMB) ^
^ The premium will be calculated in MOP based on the exchange rate adopted by Macau Insurance at the time of application
a) Compulsory: Traffic Accident Liability Insurance (20% discount for annual policy)
| Limit of Liability Per Accident (RMB) |
Annual Premium^ (RMB) |
|||
| Accident Coverage | Liability Coverage | Non-Liability Coverage | For Less than 6 Seats | For 6 to 9 Seats |
| Death and Disability | 180,000 | 18,000 | 950 | 1,100 |
| Medical Expense | 18,000 | 1,800 | ||
| Property Damage | 2,000 | 100 | ||
b) Commercial Motor Insurance (20% discount for annual policy and 7 times of FREE Motor Vehicle Roadside Assistance Service per year+)
Option 1: Motor Vehicle Third Party Liability Insurance and Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for Third Party
| Motor Vehicle Third Party Liability Insurance | Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for Third Party | |||
| Sum Insured / Limit of Liability Per Accident (RMB) |
Annual Premium^ (RMB) |
Sum Insured / Limit of Liability Per Accident (RMB) |
Annual Premium^ (RMB) |
|
| For Less than 6 Seats | For 6 to 9 Seats | For Less than 10 Seats | ||
| 1,000,000 | 755 | 894 | 100,000 | 35 |
| 1,500,000 | 843 | 998 | 150,000 | 38 |
| 2,000,000 | 922 | 1,091 | 200,000 | 40 |
| 3,000,000 | 1,075 | 1,271 | 300,000 | 45 |
| 5,000,000 | 1,370 | 1,621 | 500,000 | 54 |
Option 2: Liability Insurance for On-board Occupants and Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for On-board Occupants (Driver or Passengers)
| Liability Insurance for On-Board Occupants | Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for On-Board Occupants | ||
| Sum Insured / Limit of Liability Per Accident (RMB) |
Annual Premium^ (RMB) |
Sum Insured / Limit of Liability Per Accident (RMB) |
Annual Premium^ (RMB) |
| For Less than 10 Seats | For Less than 10 Seats | ||
| 10,000 | 30 / Seat | 5,000 | 8 / Seat |
| 30,000 | 90 / Seat | 10,000 | 9 / Seat |
| 50,000 | 150 / Seat | 20,000 | 12 / Seat |
| 100,000 | 300 / Seat | 50,000 | 15 / Seat |
+ Motor Vehicle Roadside Assistance Service is only applicable to non-commercial vehicles with no more than 9 seats (including the driver’s seat) which apply for Option 1 or Option 1+ 2. The number of free services provided is based on the insurance period. A one-year insurance period is eligible for 7 times of free services.
For the application procedures and documents required for insurance application, please visit the website.
Remarks:
1. Please refer to policy terms and conditions for details.
2. This service/product is not targeted at persons in the European Union.
Branch
Hotline 8796 8888
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