「汽車三保」的核心目的是保障「除了你和你的愛車以外」的人與物。
The core purpose of Third-Party Insurance is to protect people and property other than yourself and your own vehicle.

1. 第三者人身傷亡 (Third-Party Bodily Injury or Death)

• 保障內容： 賠償因交通意外導致他人（如路人、其他車輛的乘客或司機）傷亡的法律責任。
• 保障額： 通常高達港幣 1 億元。
• Coverage: Covers legal liability for the injury or death of third parties (e.g., pedestrians, passengers, or drivers of other vehicles) caused by a traffic accident.
• Limit: Usually up to HKD 100 Million.
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2. 第三者財物損失 (Third-Party Property Damage - TPPD)

• 保障內容： 賠償因交通意外導致他人的財物損毀（例如撞壞別人的車、路邊燈柱、圍欄或店鋪）。
• 保障額： 通常為港幣 200 萬元。
• Coverage: Covers compensation for damage to third-party property (e.g., hitting another car, lamp posts, fences, or storefronts).
• Limit: Usually HKD 2 Million.

⚠️ 注意：三保並不包括 (Note: Third-Party Insurance does NOT cover)

三保的保障非常基本，以下情況均不在保障之列：
Third-party insurance is very basic; the following situations are EXCLUDED:

• 司機自身的受傷 (Injury to the Insured Driver): 司機在意外中受傷，三保不會賠償。

• 自身汽車的損毀 (Damage to Your Own Vehicle): 無論是撞車或是天災導致的愛車毀損，需由車主自理。

• 失竊賠償 (Loss or Theft of Your Own Vehicle): 車輛被盜或車內財物失竊均不獲賠償。