Car Insurance Agreement Template for Hong Kong

1. Additional Driver Coverage: Terms for covering additional named drivers, used when multiple drivers are to be insured

2. Commercial Use Provisions: Special terms for vehicles used for commercial purposes, required for business use policies

3. Cross-Border Coverage: Terms for coverage when driving in mainland China or Macau, optional for policies requiring this coverage

4. No Claims Discount: Terms relating to no claims bonus calculations and transfers, included for policies offering this benefit

5. Upgraded Coverage Options: Additional coverage options such as windscreen, personal accident, or car rental coverage

6. Fleet Provisions: Special terms for multiple vehicle coverage, used for corporate or fleet policies

1. Schedule 1 - Vehicle Details: Detailed specifications of the insured vehicle(s) including modifications and security features

2. Schedule 2 - Premium Schedule: Breakdown of premium calculations, including all factors affecting the premium

3. Schedule 3 - Coverage Limits: Detailed limits of liability for different types of coverage and circumstances

4. Schedule 4 - Named Drivers: List of authorized drivers and their details, if applicable

5. Appendix A - Claims Guidelines: Detailed procedures and requirements for filing different types of claims

6. Appendix B - Emergency Contact Information: List of emergency contacts, approved workshops, and claims hotlines

7. Appendix C - Policy Endorsements: Any special endorsements or modifications to the standard policy terms