"Helping people live safer, more secure lives" since 1912

Liberty provides motor insurance for two distinct market segments in Hong Kong

Not only does it offer standard motor policy in line with others, but it also provides a product called "Liberty Privilege", a pioneering insurance product that is designed to cover vehicles worth over HK$1,000,000.

Private Motor

The standard Motor Policy, called simply 'Private Motor' is available as a polcy covering the compulsory Third party injury (to HKD100m) requirements and additionally covering damage to your pown vehicle by way of a "Comprehensive" policy.

The differences are as highlighted below;

Third Party cover Comprehensive cover
Loss or damage to motor vehicle
Third Party Liability (HK only)
Medical expense of insured drivers
No Claim Discount (NCD)
No Claim Discount Protection
Free Windscreen benefit
24-Hour Emergency Towing / Roadside Service – HKSAR only
Temporary Substitute Vehicle Benefit
Driver’s Life Protection
New for Old Replacement Vehicle Benefit (for brand new car)

Private Motor Documents

No documents found

Privilege Motor

Liberty Privilege is a high end motor policy with superior features and supporting service.

Liberty's target vehicles are high performance and porestige cars like:

  • Aston Martin
  • Audi
  • Bentley
  • BMW
  • Ferrari
  • Lamborghini
  • Lotus
  • Maserati
  • Mercedes Benz
  • Porsche
  • Rolls Royce
  • Tesla

Superior benefits of Liberty Privilege

  • Higher Third Party Property Damage Liability Limit - up to HK$5 million per event

  • Higher No Claim Discount (NCD) Protection

  • - up to HK$100,000 or 15% of Sum Insured whichever is the lesser

  • Higher Windscreen & Sunroof Cover - up to HK$20,000 per policy period

  • Loss of Personal Effects – to cover you in case of vehicle break-in - up to HK$20,000 per policy period (up to HK$5,000 per item)

  • Driver’s Life Protection

  • - up to HK$100,000 per occurrence / per policy period

Privilege Motor Documents

Download all as zip

About Us
Our Services
Our Staff
Terms & Conditions
US Website

Get a Quote

Types of Insurance


Group Insurance


Contact Us
Call: +852 2530 2530
Fax: +852 2530 2535

A Message From our CEO

Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong