Third party insurance provides minimum coverage required by the Hong Kong legislation. If you are involved in
a collision with another vehicle, your insurer will cover the liability against a claim by a third party on your behalf.
Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not
resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including
vandalism, fires, and front windshield replacement.