Premium
Private Cars up to 1,650 cc |
MOP |
|
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
|
1,500,000 |
1,209.50 |
1,088.60 |
967.60 |
846.70 |
725.70 |
604.80 |
|
|
Private Cars from 1,651 to 3,500 cc |
MOP |
|
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
|
1,500,000 |
1,412.50 |
1,271.20 |
1,130.00 |
988.70 |
847.50 |
706.20 |
|
|
Private Cars over 3,501cc or above |
MOP |
|
Insured Capital |
NCB = 0% |
NCB = 10% |
NCB = 20% |
NCB = 30% |
NCB = 40% |
NCB = 50% |
|
1,500,000 |
1,551.90 |
1,396.70 |
1,241.50 |
1,086.30 |
931.10 |
775.90 |
|
|
Comprehensive Cover
DriveSafe also offers you an optional Comprehensive Cover to give you a total peace of mind. Apart from the Third Party Liability Cover, Macau Insurance Company will also bear the cost of repair if your car is damaged, or provide a reimbursement if it is lost or destroyed.
Premium
Premium of Comprehensive Cover = TPL Premium + (Car Value x Premium Factor)
Private Cars of 5 years or below
|
NCB |
0% |
10% |
20% |
30% |
40% |
50% |
|
Premium Factor |
3.588% |
3.229% |
2.870% |
2.511% |
2.153% |
1.794% |
|
Example of Premium Calculation:
TPL Cover Only
A client with no claims in the previous 3 years on his car (under 1,650cc), subscribes to a TPL cover with a limit of MOP 1.5 million. He/She will enjoy an NCB of 30% and pay a premium of MOP846.70.
Comprehensive Cover
A client with no claims record in previous 4 years, subscribes for comprehensive cover with a TPL limit of MOP 1.5 million, on new car (under 1,650cc) with a value of MOP100,000. The applicable premium will be:
|
MOP725.70 + (MOP100,000 x 2.153%) |
= |
MOP725.70 + MOP2,153.00 |
= |
MOP2,878.70 |
Remarks:
- NCB refers to “No Claim Bonus”. Clients subscribing for motor insurance are entitled to NCB if they have no claim record in the previous year(s).
- Government levy for the Motor Guaranteed Fund has already been included in the above insurance premiums and premium factors.
- Please refer to policy terms and conditions for details.