Car owners need motor insurance. Customers who successfully enroll in Private Motor Car Insurance (“Eligible Policy”) during the promotional period can enjoy up to HK$800 fuel vouchers^! Promotional Period: From now to 31 December 2025 ^The premium is required to reach specified amount. For details, please refer to the relevant terms and conditions. The rewards are limited and will be provided on a first-come-first-served basis while stock last!  Please call Fubon Bank Integrated Customer Service Hotline 2566 8181 (PRESS 3 AFTER LANGUAGE SELECTION) during office hour for more details. Terms and Conditions: General Terms and Conditions: The promotional period of the above offer is from now to 31 December 2025 (both dates inclusive) ("Promotional Period"). The rewards are limited and will be provided on a first-come-first-served basis while stock lasts. The above offer cannot be used in conjunction with other offers. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. To be eligible for the above offer, the enrolment of the policy is required to be completed through Fubon Bank (Hong Kong) Limited (“the Bank”) Enrollment Hotline. In case the reward(s) is out of stock, the Bank reserves the right to offer an alternative reward as replacement without prior notice in case of shortage. The relevant voucher(s) (or other reward replacements) cannot be exchanged for cash or other services and offers. Usage of the relevant voucher(s) is based on the terms and conditions stated on the voucher(s). The relevant reward(s) (or other reward replacements) is supplied to Eligible Customer by individual merchant. The Bank is not the product supplier or service provider of the relevant merchant offers and the offers details are provided by the relevant product supplier or service provider. The Bank makes no representation or guarantee as to the quality and availability of the products or services or information provided by the product supplier or service provider, and shall not be liable for any matters arising from or in connection with the products, services or information provided by the product supplier or service provider. Any claim, complaint, or dispute arising out of, or in connection with, the said products, services or benefits shall be resolved between Eligible Customers and the relevant product supplier or service provider. The Bank reserves the right to suspend, vary or terminate the above offer at any time and to amend the terms and conditions from time to time without prior notice. If there is any dispute about this offer, the Bank reserves the right of final decision. These terms and conditions are related to the above offer only and no reference has been made to any coverage or content of the private motor car insurance policy or any other insurance policies of MSIG Insurance (Hong Kong) Limited. Customers are advised to read and understand the policy before enrolling for the relevant insurance. Terms and Conditions of Enrollment Reward(s): Customer must successful enroll in Private Motor Car Insurance underwritten by MSIG Insurance (Hong Kong) Limited through the Bank during the Promotion Period (“Eligible Customer”). Each Eligible Policy can enjoy up to HK$800 fuel vouchers (The voucher amount varies with premium and the premium must be HK$3,000 or above, please contact Customer Services Officer for details). The above offer is only applicable to the newly insured Eligible Policy during the Promotion Period, and all policy reinstatement, change of coverage, policy renewal and policy termination of existing policies will not be counted. The promotion reward(s) will be mailed to the Eligible Customer’s correspondence address provided upon enrolment on or before 31 August 2025 and/or 28 February 2026. The Eligible Policy must still be valid before the promotion reward is sent. Eligible Customer has to ensure that his/her correspondence address provided is valid and correct. The relevant vouchers will not be re-issued in case of loss or damage (including but not limited to any loss in transit after being mailed by the Bank).

No Claim Discount (NCD) Protector (applicable to Comprehensive Insurance only)

No Claim Discount (NCD) Protector (applicable to Comprehensive Insurance only)You can maintain your existing No Claim Discount (NCD) at renewal even if you make a claim within a year if certain criteria are met.

Windscreen Damage – Excess Waiver

Windscreen Damage – Excess WaiverIf the windscreen is damaged accidentally, and your claim does not exceed HK$5,000, no excess will apply when we settle your claim.

"New for Old" Replacement Vehicle

"New for Old" Replacement VehicleIf your car is less than one year old, no depreciation factor will be applied when we settle your claim subject to certain criteria being met.

Motor Personal Accident and Medical Expenses Cover

Motor Personal Accident and Medical Expenses CoverPersonal accident covers up to HK$100,000 per year, plus medical expenses coverage up to HK$5,000 per event.

Coverage*
1. Own Damage or Loss Cover	Cover loss of, or damage to, your car and/or accessories and/or its spare parts.
2.  NCD Protector (applicable to Comprehensive Insurance only)	You can maintain your existing No Claim Discount (NCD) at renewal even if you make a claim within a year, provided that: not more than one claim is reported during the period of insurance; after the application of excess, the claim amount does not exceed HK$60,000 or 15% of the sum insured (whichever is the less); and no third party bodily injury claim has been made.
3.  Windscreen Damage – Excess Waiver	If the windscreen is damaged accidentally and your claim does not exceed HK$5,000, the claim will not be counted into the total claims when the NCD entitlement is calculated and no excess will apply.
4.  “New for Old” Replacement Vehicle	If your car is less than 1 year old and the first registration has been made within 12 months from the date of manufacturing and sustains a total loss, we will pay in cash or give you a new one of the same model and make without deducting any amount for deprecation.
5.  Medical Expenses Cover	Up to HK$5,000 cover for medical expenses related to bodily injuries sustained by any authorized driver involved in an accident while driving your car.
6.  Motor Personal Accident	HK$100,000 compensation for death, loss of limbs or sight for you, or any named driver, in the event of an accident while driving your car.
7.  Vehicle Assistance Services	24-Hour Emergency Roadside Assistance 24-Hour Free Towing Service Alternate Car when your car has been stolen or immobilized due to an accident 24-Hour Claims Advisory Service 24-Hour General Advisory Service
8.  Third Party Cover	Cover the legal liability of you, or any authorised driver, arising from an accident while driving your car, including: Death or bodily injury to third party (up to HK$100,000,000) Damage to third party property (up to HK$2,000,000)

^*Remarks:
Items 1 to 8 in the coverage table apply to Comprehensive Insurance
Items 8 in the coverage table applies to Third Party Legal Liabilities Insurance

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Terms and Conditions

Major Exclusions: Consequential loss Depreciation wear and tear Damage to tyres (unless damage is caused to other parts of the car at the same time) Loss, damage or liability arising from an accident which the Insured or authorized driver is under the influence of alcohol (over the prescribed limit by law)

Important Note: The above insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval and amend the above products. In case of disputes, the decision of MSIG shall be final and binding. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product and does not constitute any part of the insurance contract. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms and Conditions of the policy, the Terms and Conditions of the policy shall prevail. For exact Terms and Conditions and details of the coverage and exclusions, please refer to the relevant policy or contact MSIG. Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deducted from the account provided by the Insured Person. During the insured period, the Insured Person must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Insured Person made. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website or Fubon Bank Premium Levy introduction website. *Collection of Levy on Insurance Premium The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

Remarks: a. MSIG Insurance (Hong Kong) Limited is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. b. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). c. Fubon Bank is the licensed insurance agency appointed by MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan. d. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process. e. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong. f. The English version shall prevail in case of inconsistency between the English and Chinese versions.