Frequently Asked Questions
1.What documents do I need to provide for buying the private vehicle insurance?
• Proposal form
• HKID and driving licenses of all named drivers
• Vehicle registration document
• Previous policy schedule or renewal notice (if applicable), such as the NCD supporting or no. of consecutive years free of accident
• Certificate of Incorporation if the policyholder is company
• Motor accident report if there was any accident happened in the last 3 years
• Policyholders that enjoy extra benefits, please provide the required supporting documents (Specific requirements please refer to webpage “fill in quote details” on )
2.Is it a must for the motor owner to buy private vehicle insurance?
It is legally required that every vehicles drive on the road of Hong Kong must purchase third-party liability insurance.

The third-party liability insurance protects the driver from bearing the legal liability arising from the accident that cause the injury or death and property damage of third-party (the maximum compensation for the injury and property damage of third party are HK$100 million and HK$2 million respectively).

Apart from providing third-party liability insurance, comprehensive cover insurance include damage to your vehicle caused by fire, thief or other accidents, but with a higher corresponding premium.

Save as the above protections, Target Insurance also offer extra personal accident coverage for vehicle owner which means a more comprehensive protection.
3.What to do after obtaining the online quotation of private vehicle insurance?
If you are satisfied with the quotation, quotation information will be sent to you by email when you click the “save quotation” button. Or continue to complete the procedure of buying insurance by selecting the policy start date (* Manual processing is required if the Policy need to take immediate effect), and then fill in the online detailed insurance information, and finally complete the payment procedure by credit card, cheque, cash, online or ATM transfers, etc., and instant access to a Cover Note.
4.Conditions for the purchase of Target private vehicle insurance?
I. Age / date of birth: Primary named driver’s aged from 20 to 65 years old (Premium will be adjusted for drivers under the age of 25 and with less than 2 years of driving experience)
II. In the past 3 years, all drivers (including primary driver and named drivers) were never refused to be insured or the insurance were terminated halfway
III. Point deduction no more than 12 points in the past 3 years
IV. The vehicle is registered in Hong Kong

Target Insurance accepts the policies from the drivers who are aged from 20 to 65 years old and the premium of motor insurance will be adjusted based on the age, occupation and the number of named drivers. At the same time, we request the vehicle owner to list the information of all drivers who use the vehicle frequently, avoiding paying higher amount of excess for unnamed drivers.

We cannot cover you if you belong to the following types:
• You have been declined when trying to renew your policy in the last 3 years. Or you have had your policy terminated in the last 3 years
• You have had your license suspended in the past 3 years
• Your vehicle is used for commercial or for rental purpose
• Point deduction is more than 12 points in the past 3 years
5.What factors will affect the amount of private vehicle insurance premium?
The premium is determined according to the risk level, including the nature of occupation, driving experience and age of the policy holder. Most insurance companies will also take into account the vehicle model, year of manufacture and engine to adjust the amount of premium.
6.Does Enhanced MotorMech "Private Car Comprehensive Insurance Plan" has any special terms and conditions?
• MotorMech as the Appointed Repairer
• Member of DCH Holdings, Comprehensive Service Network
• Enjoy Lower General Excess
• Enjoy a free upgrade to fully synthetic engine oil for the purchase of “Regular Maintenance Package” or “Comprehensive Maintenance Package”
• Enjoy 30% off for the purchase of Japanese Crystal 9H Car Coating Service (Original Price HK$6,800)
• Free 10-points Safety Check Service, and special price on replacing engine oil with oil filter (The promotion period is till 30 Sep, 2017)
• HKD200,000 Personal Accident Protection

Please note that under this plan, towing service should be arranged by us for the motor car to be towed to the nearest Appointed Repairer.
7.Is it a must for the motor owner to buy commercial vehicle insurance?
It is legally required that every vehicle drives on the road in Hong Kong must purchase third party liability insurance. The third party liability insurance protects the driver from bearing the legal liability arising from the accident that causes the injury or death and property damage of third party. Apart from providing third party liability insurance, comprehensive cover insurance include damage to your vehicle and accessories (if any) caused by fire, thief or other accidents.
8.Does Target's commercial vehicle insurance extend to cover the Insured's legal liability to third party arising out of the operation of accessories or any plant forming part of the vehicle?
The insured must disclose the accessories installed on the vehicle, such as crane and tailgate, to Target once the insured decides to join Target's commercial vehicle insurance scheme, Target will thereby cover the Insured's legal liability to third party arising out of the operation of these accessories.

This extension is subject to the following condition:
Limit of Liability:
HK$1,000,000 any one accident
HK$1,000,000 any one period
Third Party Property Damage Excess:
HK$15,000 each and every loss

For more details please view the Policy or Endorsements / Clauses.
9.How can I purchase Target's commercial vehicle insurance?
I) Instant online quotation system
II) Enquiry form - Target's customer service representatives will contact you to provide quote information as soon as possible
III) Proposal form - You may submit it via any method as below:
1. Take photos and send to WhatsApp 9616 1098 or WeChat 9616 1098
2. Email to
3. Fax to 3585 6028
4. Visit our office at 5/F, Low Block, Grand Millennium Plaza, No. 181 Queen's Road, Central, Hong Kong
IV) Customer Service hotline: 2926 2926
10.What are the information needed for commercial vehicle insurance quotation?
You only need to provide the following information and your contact to obtain a preliminary quote immediately:
• Vehicle Make and Model
• Year of Manufacture of the vehicle
• Tonnage
• Type of body
• Use of vehicle
• No. of years free of accident
• Accessories (If any)
• Special Permit (If any)
• Car owner information
11.What are the conditions for the online purchase of commercial vehicle insurance?
I. The applicant must be the car owner
II. All named drivers are aged between 25 and 65 years old#
III. Hold a valid driving licence of the specific vehicle classification with more than 2 years driving experience#
IV. Incurred no more than 9 points in Driving-offence Points System in the past 2 years
V. No accident or claim incurred in last 3 years
VI. No licence suspended or cancelled in last 3 years

# If the driver has less than 2 years of driving experience or is aged below 25, Target will consider the application on a case-by-case basis.
12.Will Target commercial vehicle insurance cover accidents in China?
Target's online insurance system only cover motor accidents occurred within the territories of the Hong Kong Special Administrative Region, please contact us on 29262926 to provide manual quotation if extend the scope of property damage protection to the territory of Guangdong Province in China.
13.What documents do I need to provide to buy Target commercial vehicle insurance?
I. Proposal form (Applicable to non-online applicants)
II. HKID and driving licenses of all main drivers and car owner; certificate of Incorporation if the policyholder is a company
III. Vehicle registration document and supporting documents for related permits and licenses (if applicable)
IV. Renewal notice issued by Insurer or the policy schedule of the previous year
V. Motor accident report if the proposer or the main driver has any accident happened in the last 3 years
VI. Policyholders that enjoy extra benefits, please provide the required supporting documents
14.Does Target provide quotations for fleets?
If you want to quote more than 1 commercial vehicle, please click here to leave your contact information or contact our customer service hotline 2926 2926. Please provide detailed information and upload related documents for us to handle it quickly.
15.What factors will affect the amount of commercial vehicle insurance premium?
The premium is affected by several factors, including the tonnage of the vehicle, year of manufacture, type of body and the use of the vehicle etc. Moreover, accessories and the number of claims are also the factors influencing the final premium.
16.Can I cancel the policy? How?
Yes, you can. You can provide a 7-day written notice and return the original of certificate of insurance and schedule at any time to cancel the insurance. Written notice could be by fax or email.

We will cancel the policy as soon as possible upon receipt of your written notice, clients are required to return the original of certificate of insurance (C.I.) within 7-10 days, we will only arrange the refund after receiving the original certificate of insurance (C.I.). Target Insurance will return the premium according to the below proportion for any cancellation of policy halfway, durations less than a month will be regarded as a month. The minimum and non-refundable premium is HK$515.2.
1 month - 20% premium
2 months - 30% premium
3 months - 40% premium
4 months - 50% premium
5 months - 60% premium
6 months - 70% premium
7 or 8 months - 80% premium
More than 8 months - the total premium

* Please be noted that if any car accident report is filed during the insurance period, no refund of premium will be made upon cancellation of policy.
17.How will I get refunds?
The time for refunds will need around 4 - 6 weeks.
Credit Card: Premium will be refunded to the credit card account
Cheque, Cash, Bank transfer: Refund cheque by mail
18.Under what circumstances Target Insurance will cancel the policy?
• Attempt to deceive or dishonestly defraud insurance compensation
• Illegally modified motor
• The accident happened due to illegal racing
• The filed information is incorrect/false
19.Can I pay the premium with my friends’, family members’ or company' credit card?
No, this would not be possible as we have great concern on identity security. In order to protect the interests and personal information of each customer, credit card holder must be the policy holder.

At the same time, we will not accept corporate / group credit cards. Except personal credit cards, you can pay premiums by other payment methods, please refer to the payment methods page for details.
20.What are the payment modes?
I. Online direct payment (Master, VISA) *Except company / group credit cards
II. Cheques by mailing
III. Pay cash or cheque at our office in person
IV. Bank transfer (ATM)
Bank of China: 030-557-0-0813490
Bank of Communications: 027-571-0-2023775
The Hongkong and Shanghai Banking Corporation Ltd.: 085-011120-001
DBS Bank (Hong Kong) Ltd.: 241-015017
Hang Seng Bank: 787-226257001
21.Can I pay by monthly installments?
Sorry, we believe that lump-sum payment would be more convenient and appropriate.
22.Does Target Insurance have services of emergency roadside service or towing?
Yes, the Target Insurance will provide comprehensive policy customers with free services of emergency roadside service and towing and will be available around the clock for taking care of your security and requirement on the road. As for the third-party insurance, Target Insurance will also provide 24 hours hotline for providing agent recommendation service.(24 hours hotline: 2926 2926) For more details please refer to the policy.

24 hours emergency service hotline:
Target Insurance Private Car Comprehensive Insurance Plan: 2331 3982
Target x MotorMech Private Car Comprehensive Insurance Plan: 2470 3288
23.Can I obtain a substitute car while my car is under maintenance?
Substitute vehicle is only available to clients who have purchased comprehensive insurance plan. In the event that your car is immobilized by an accident and needs repairs for more than 48 hours, or if it is stolen for more than 48 hours, we can arrange a substitute vehicle for you. The cost of the vehicle rental will be borne by us up to the maximum of HKD6,000 (subject to HKD1,000 per day and an excess of 20% per each rental). Please refer to the policy content for details.
24.Whether damage to the windshields and windows can be compensated?
Yes, as long as you have purchased the company's comprehensive insurance plan (including Target x MotorMech Private Car Comprehensive Insurance Plan), damages to the windshields and windows can be compensated. In case the front windscreen of your car is broken, the replacement is covered by us up to the maximum of HKD6,000 per year, on the condition that the initial HKD500 will be borne by you per case.
25.What is named driver?
The primary named driver will be the policy holder (the owner). Named drivers are those who you specified and authorized to use the insured vehicle in the policy.

Target Insurance can accept up to four named drivers for each policy. No additional premium will be charged for the first one or two named drivers, but additional premium will be charged for the second or more named drivers thereafter.

Among the four named drivers, additional premium will be charged for those who are under the age of 25 and with less than two years’ driving experience, handling fees will also be charged. Additional premium is determined case by case. (depending on the vehicle type, occupation, etc.)
26.Vehicle mortgage procedure and its relation to insurance
Vehicle mortgage is to use the vehicle as collateral (both new/used vehicle can be arranged for mortgage), the agent or broker apply to the financial company or bank for borrowing, then pay back by installments. Full value of vehicle can be mortgaged, and interests will also be reduced for early redemption. Note: Vehicle Registration Document will be kept for vehicle mortgage.

As for general vehicle mortgage, financial companies or bankswill require clients to purchase comprehensive insurance. If clients only want to buy third party insurance, the insurance company will suggest the client to apply to the financial company or bank, and the financial company or bank will determine by reference to the approval circumstances and requirements of the clients; insurance company can provide Cover Note for financial company or bank for approval according to the client’s requirement. Meanwhile, the insurance company also requires clients to provide name of financial company or bank for record.
27.What is MIB?
MIB is the short name for Hong Kong Motor Insurance Bureau, which is responsible for managing two funds: responsible vehicles do not have valid insurances cover or the insurance policies are invalid in a traffic accident, and victims fail to obtain compensations adjudged by the court within 28 days or the compensations are unpaid because of the bankruptcy of the insurer. The source of both funds is from the 3% surcharge of the auto insurance policy.

Hong Kong Motor Insurance Bureau has been providing compensation for the wounded during traffic accidents when drivers are not insured or missing, or relevant insurance companies are insolvent since it was founded in 1980. All insurance companies authorized to engage in mandatory auto insurance in Hong Kong shall become the member of Hong Kong Motor Insurance Bureau.

28.Can modified vehicles be insured?
Modified vehicles involve problems in the current legislation and the performance of the policy contractual responsibility:

According to the Road Traffic (Construction and Maintenance of Vehicles) Regulation of the Transport Department, all modified vehicles should apply to the Transport Department in advance and can only run on the roads legally after the inspection is approved. Otherwise, it will be regarded as illegal modification, which is subject to prosecution at any time.

Under normal circumstances, insurance companies do not recommend or accept modified vehicles unless the modified parts are approved by law and additional functions to prevent the occurrence of accidents are added.

In case of undeclared modified vehicles, insurance companies may refuse compensation according to relevant provisions that "the applicant has failed to make full declaration of the information of the insured vehicles or has deliberately kept the information back". Therefore, one must declare the vehicle conditions while applying for vehicle insurance and fill in the modified parts clearly for the insurance company to calculate premium and consider whether to accept the application.
29.Will the insurance policy be valid during typhoon signal number 8 or above?
For accidents happened when driving under typhoon signal number 8, in general auto insurance, as long as the owners can prove that it is necessary to drive on the road while the accidents are taking place, for example, you have to send patients to the hospitals or on your way driving home, insurance company is responsible for compensation in accordance with the policy content. Of course, there are some commercial auto insurances will specify that typhoon signal number 8 or above are not insured. Refer to the policy content for detailed provisions.
30.If a person holds an International Driving Permit issued outside Hong Kong, can he/she drives in Hong Kong?
A person whose arrival license shows as a visitor, as a holder of a valid International Driving Permit issued outside Hong Kong, can contact the Transport Department in the first place for obtaining the confirmation that you can drive in Hong Kong the class of motor vehicle authorized by his/her valid International Driving Permit issued outside Hong Kong for 12 months starting from the date of his/her arrival in Hong Kong provided that he/she satisfies the legal age requirement - 18 year sold for private car, light goods vehicle, motor cycle and motor tricycle; 21 years old for other types of motor vehicles.

Non-visitor is required to apply a full driving license by direct issue without test from the Transport Department but re-application for driving test is needed if the former application is rejected by the Transport Department. Visitors are permitted to apply for vehicle insurance (Please confirm your International Driving Permit is valid to use in Hong Kong) by providing driving license and passport.
31.Application procedures for vehicle license
The validity of vehicle license can be 12 months or 4 months, which is annually or seasonally chosen by the applicant.

New vehicle: A local vehicle agent usually applies for registration and licensing of a vehicle on behalf of its client where the sale and purchase agreement is necessary to provide (When buying insurance, the insurance company will issue a cover note to vehicle agent for applying for vehicle license in the Transport Department). After receiving the Vehicle Registration Document, the insurance company will issue official policy and relevant documents.

In registering a vehicle, the Transport Department will assign a registration mark and a Vehicle Registration Document containing particulars of the vehicle to the registered owner. Vehicle License is required after registration. The registering owner is issued with a Vehicle License which should be display on the left-hand side of the vehicle's windscreen.

Used vehicle: Before transfer of ownership of vehicle, clients shall produce the cover note for applying the transfer in the Transport Department and then the insurance company will issue official policy and relevant documents.

Renewal of Vehicle License: vehicle owner must provide the following documents four months prior to and within two years after the date of expiry of the Vehicle License for renewal application.
32.If I hold an International Driving Permit issued in Hong Kong, can I drive in Hong Kong with the Permit?
According to the regulation, the holder of an International Driving Permit cannot drive with the permit in the issuing country. Therefore, a holder cannot drive in Hong Kong with an International Driving Permit issued in Hong Kong. The holder shall drive with his valid full Hong Kong Driving License in Hong Kong.
33.Can I reduce my premium if an event data recorder has been installed?
No, the event data recorder does not relate to the premium. However, installing the event data recorder can help to provide the reliable supporting evidence to protect own interest when there is traffic accident claim.
34.How to renew driving license for those aged 70 or above?
For those aged 70 or above, they are required to produce a Form (TD256) titled "Medical examination for an applicant of 70 years of age or above for a full or learner's driving license". That should be completed by a registered medical practitioner and the issuing date must not exceed 4 months on the date of application. Besides, applicant is required to submit Hong Kong identity card/passport, proof of address, contents of which list the applicant’s name, address, name of issuer and the issue date(within the past 3 months).The driver who pass the examination, will be issued the driving license for 1 year or 3 years period (selected by the applicant).
35.The address and service hours of the Licensing Office of the Transport Department ?
• Hong Kong Licensing Office, 3/F, United Centre, 95 Queensway, Hong Kong. (near Exit D of Admiralty MTR Station)
• Kowloon Licensing Office, 2/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon. (near Exit C of Sham Shui Po MTR Station)
• Kwun Tong Licensing Office, 5/F, Kowloon East Government Office, 12 Lei Yue Mun Road, Kowloon. (near Exit D4 of Kwun Tong MTR Station)
• Sha Tin Licensing Office, 2/F, Sha Tin Government Offices, 1 Sheung Wo Che Road, Sha Tin, New Territories. (near Exit B of Sha Tin MTR Station)

Service hours:
Monday to Friday: 9:00 a.m. to 5:00 p.m. (open during lunch hours)
The Offices will be closed on Saturday, Sunday and Public Holidays.

Website of Transport Department:
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