To drive around in comfort, aside from a reasonably good car, you need also a peace of mind. A reliable motor insurance package is one of the essentials that you should never overlook. Do you think your existing motor insurance package is already the most reliable and with the best policy terms you can get?
Reliable Protection
DriveSafe is developed by Macau Insurance Company, which is well known for its expertise and leading position in motor insurance. Macau Insurance Company provides you definitely the most reliable protection available anywhere.
Unbeatable Package
DriveSafe offers you the best insurance terms in town. You will enjoy ultra-low claim excess. You will not be subject to any premium loading under normal circumstances.
Coverage
DriveSafe provides you a mandatory Third Party Liability Cover that conforms with the legal requirements in Macau. No matter who is behind the wheel, Macau Insurance Company will provide the Third Party Liability Cover for the driver in case of any traffic accident.
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.
Guangdong-Macau Cross-boundary Motor Insurance(former “Macau Vehicles Going North” Motor Insurance)
Apply Now
Plan Features
The Guangdong-Macau Cross-boundary Motor Insurance (former “Macau Vehicles Going North” Motor Insurance) is underwritten by Macau Insurance Company Limited, hereinafter referred as “Macau Insurance”, which is well known for its expertise and leading position in motor vehicle insurance.
Product Features
Applicable condition: Macau registered vehicles entering Guangdong Province via Hong Kong-Zhuhai-Macau Bridge (“HZMB”) (including Zhuhai Highway Port) and travelling only within Guangdong Province (including HZMB Mainland China section)
Eligible vehicles: Macau registered vehicles with applicable permission to travel between Macau and Guangdong Province (“single-plate car”) or between Macau and Hong Kong (“cross-boundary car”); or with applicable permission to travel between Macau and Guangdong Province via HZMB only (“dual-plate cars”)
Policyholder: Macau residents aged 18 or above
Application method:
Online Application is available for Macau registered non-commercial passenger vehicles with no more than 9 seats (including the driver’s seat) (“Macau registered non-commercial vehicles”)
For commercial use vehicles, please contact BCM Branch
Product Introduction
Guangdong-Macau Cross-boundary Motor Insurance includes:
Compulsory: Traffic Accident Liability Insurance
Optional: Commercial Motor Insurance
Third party liability insurance
Coverage is not for personal injury or property damage to persons on board
Depends on policyholder’s needs to purchase for additional insurance coverage
Extend the limit and scope of the protection
Liability insurance, including Third Party Liability Insurance, Liability Insurance for On-Board Occupants, Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance and Motor Vehicle Roadside Assistance Service
Plan Cover
Limit of Liability and Annual Premium (Currency: RMB) ^
^ The premium will be calculated in MOP based on the exchange rate adopted by Macau Insurance at the time of application
a) Compulsory: Traffic Accident Liability Insurance (20% discount for annual policy)
Limit of Liability Per Accident
(RMB)
Annual Premium^
(RMB)
Accident Coverage
Liability Coverage
Non-Liability Coverage
For Less than 6 Seats
For 6 to 9 Seats
Death and Disability
180,000
18,000
950
1,100
Medical Expense
18,000
1,800
Property Damage
2,000
100
b) Commercial Motor Insurance (20% discount for annual policy and 7 times of FREE Motor Vehicle Roadside Assistance Service per year+)
Option 1: Motor Vehicle Third Party Liability Insurance and Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for Third Party
Motor Vehicle Third Party Liability Insurance
Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for Third Party
Sum Insured / Limit of Liability Per Accident
(RMB)
Annual Premium^
(RMB)
Sum Insured / Limit of Liability Per Accident
(RMB)
Annual Premium^
(RMB)
For Less than 6 Seats
For 6 to 9 Seats
For Less than 10 Seats
1,000,000
755
894
100,000
35
1,500,000
843
998
150,000
38
2,000,000
922
1,091
200,000
40
3,000,000
1,075
1,271
300,000
45
5,000,000
1,370
1,621
500,000
54
Option 2: Liability Insurance for On-board Occupants and Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for On-board Occupants (Driver or Passengers)
Liability Insurance for On-Board Occupants
Additional Liability Insurance for Medical Expense outside the Scope of Mainland China Basic Medical Insurance for On-Board Occupants
Sum Insured / Limit of Liability Per Accident
(RMB)
Annual Premium^
(RMB)
Sum Insured / Limit of Liability Per Accident
(RMB)
Annual Premium^
(RMB)
For Less than 10 Seats
For Less than 10 Seats
10,000
30 / Seat
5,000
8 / Seat
30,000
90 / Seat
10,000
9 / Seat
50,000
150 / Seat
20,000
12 / Seat
100,000
300 / Seat
50,000
15 / Seat
+ Motor Vehicle Roadside Assistance Service is only applicable to non-commercial vehicles with no more than 9 seats (including the driver’s seat) which apply for Option 1 or Option 1+ 2. The number of free services provided is based on the insurance period. A one-year insurance period is eligible for 7 times of free services.
For the application procedures and documents required for insurance application, please visit the website.
Remarks:
1. Please refer to policy terms and conditions for details.
2. This service/product is not targeted at persons in the European Union.