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* “Well Link Free Benefit of Life and Accidental Death Protection”:
This free protection is provided by Well Link Life Insurance Company Limited. Includes HKD $100,000 Death Benefit and HKD $100,000 Additional Accidental Death Benefit and is only applicable to individual policyholder who is aged between 18 and 65 and holding a valid policy of Well Link General Insurance Company Limited. Each eligible customer can enjoy this free protection once only. This free protection is subject to terms and conditions.

Private Motor Insurance

Only customised and flexible private motor insurance solutions can effectively facilitate different driving habits, usage and even passenger carriage, so as driving with peace of mind.

Product Features

  • Apart from Comprehensive (COMP) and Third Party Only (TPO), the hybrid Third Party Plus (TPP) insurance is also available
  • Your choice of optional benefits such as 24-hour Breakdown Assistance, My Workshop, No Claim Discount(NCD) Protection and more
  • Full case follow-up by 1-on-1 Claims Specialist


Excess refers to the amount a policyholder is required to pay in the event of a claim, with its actual amount subject to policy’s terms and conditions. Considering your own condition, customers can customise the excess of policy; the higher the excess amount, the lower the premium, and vice versa.

In the event of following circumstances, flat excess applies on Well Link Insurance private motor insurance:

  • The policyholder should pay an excess of HK$10,000 for any accident of the insured car for a purpose other than declared usage.
  • The policyholder should pay an excess of HK$500 for any damaged windscreen or car window replacement of insured car at Well Link Insurance Approved Windscreen Repairer.
  • The policyholder should pay an excess of HK$20,000 of repair cost for any repair of insured car at your chosen workshop other than that of Well Link Insurance Approved Workshop when you have not purchased the optional benefit of My Workshop.
  • The policyholder should pay an excess for any accident of the insured motor driven by an unnamed, young and / or inexperienced driver as set out below:
    • Unnamed driver: HK$10,000
    • Unnamed and young or inexperienced driver: HK$35,000
    • Unnamed, young and inexperienced Driver: HK$60,000

No Claim Discount (NCD)

A No Claim Discount (NCD) is a premium discount awarded to the insured person for not making a single traffic accident claim during the current period of insurance.

Year(s) of No Claim No Claim Discount
1 year 20%
2 consecutive years 30%
3 consecutive years 40%
4 consecutive years 50%
5 or more consecutive years 60%

To be entitled to NCD, customer must have been insured the proposed private car and claim free within the last 12 months.


NCD Transferal

  • A named driver of another insured motor is not entitled to any NCD. Certain discount may be available at our discretion and is in case-by-case basis. Please call Well Link Insurance Customer Care Hotline at +852 2884 8888 for details.
  • A company car is entitled to transfer his/her NCD to his/her personally insured car by presenting letter of consent for NCD transferal issued by authorised person of the employer.
  • A foreigner of expatriate of Hong Kong is entitled to NCD by presenting a certificate of insurance by an insurance company verifying a claim-free status for the period of insurance over the last 12 months.
  • NCD is only transferable between insured motors, and is non-transferable to any other insured person.

NCD Deduction

NCD deduction applies on any accident claim of insured motor the scale as set out below:


With Optional NCD Protection

Current NCD NCD Reduction
1 Claim 2 Claims 3 Claims
60% 60% 30% 0%
50% 50% 20% 0%
40% 40% 0% 0%
30% 30% 0% 0%
20% 20% 0% 0%



Without Optional NCD Protection

Current NCD NCD Reduction
1 Claim 2 or more Claims
60% 30% 0%
50% 20% 0%
20-40% 0% 0%

Enrollment Method

Well Link Insurance can customise a private motor insurance to cater your protection needs in just 4 simple steps online.

Information of main driver and private motor
Cover type
Customisation of optional benefits
Information of additional driver(s) (if applicable)

Well Link Insurance will provide a real-time quotation online upon completion of above steps. Please action within the quotation validity period before it expires.

For enrollment of high-performance vehicles, call Well Link Insurance Customer Care Hotline directly at +852 2884 8888 for real-time customised quotation.


Purchase Method

  • Instant online payment via Visa or MasterCard
  • Call Well Link Insurance Customer Care Hotline: +852 2884 8888
  • Visit Well Link Insurance Customer Care Centre
Address: 1/F, Hip Shing Hong Centre, No.55 Des Voeux Road Central, Central, Hong Kong

After payment being received successfully, customers will receive a confirmation SMS and email from Well Link Insurance containing a secure link for policy document download. Supporting environmental friendliness, Well Link Insurance will provide you with softcopy of policy document to our customers. For any request of policy documents for reference, please contact our Customer Care Centre or email to


1. This product is underwritten by Well Link General Insurance Company Limited.
2. The above content contains general information for reference only and does not form part of the policy.  Please refer to the policy document for benefit coverage and exact terms and conditions.  For enquiries, please contact our Customer Service Hotline at +852 2884 8888.