保障項目 (Coverage Item)

第三者責任險 (三保)
Third-Party Only

全面保障保險 (全保)
Comprehensive

第三者人身傷亡
Third-Party Bodily Injury / Death

✅ (最高 1 億)
(Up to 100M)

✅ (最高 1 億)
(Up to 100M)

第三者財物損失
Third-Party Property Damage

✅ (通常 200 萬)
(Usually 2M)

✅ (通常 200 萬)
(Usually 2M)

受保車輛損毀 (意外/天災)
Own Vehicle Damage (Accident/Nature)

❌ 不保
(Not Covered)

✅ 包括 (如撞車、颱風、水浸)
(Incl. Collision, Typhoon, Flood)

受保車輛失竊
Theft of Own Vehicle

❌ 不保
(Not Covered)

✅ 包括
(Covered)

擋風玻璃賠償
Windscreen Coverage

❌ 不保
(Not Covered)

✅ 通常包括 (免扣 NCD)
(Usually incl. No NCD penalty)

路邊支援 / 拖車服務
Roadside Assistance / Towing

❌ 視乎保單
(Depends on Policy)

✅ 通常包括
(Usually Included)

保費水平
Premium Level

較平 (Low)

較貴 (High)