Paper II — General Insurance · Part 1: Insurance Products
Q1免費 Free
以下關於汽車保險的陳述，哪些正確？
I. 只保障第三者人身傷亡
II. 保障第三者人身傷亡及財物損失
III. 保障第三者人身傷亡、財物損失及自身車輛損毀
Which of the following statements about 汽車保險 are correct?
I. Third party bodily injury only
II. Third party bodily injury and property damage
III. Third party bodily injury, property damage and own vehicle damage
Under the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272) of Hong Kong, all vehicles used on roads in Hong Kong must be covered by third party motor insurance.
The statutory minimum only covers third party bodily injury, not third party property damage or own vehicle damage.
Therefore option A is correct.
Q2免費 Free
「綜合汽車保險」（Comprehensive Motor Insurance）與「第三者汽車保險」的主要區別是什麼？
What is the main difference between Comprehensive Motor Insurance and Third Party Motor Insurance?
A. 綜合保險額外保障投保車輛本身的損毀及盜竊
B. 綜合保險不保第三者人身傷亡
C. 第三者保險保障更廣泛
D. 兩者保障範圍完全相同
A. Comprehensive insurance additionally covers own vehicle damage and theft
B. Comprehensive insurance does not cover third party bodily injury
C. Third party insurance provides broader coverage
Third party motor insurance only covers third party bodily injury and property damage caused by the insured vehicle. Note: this represents standard market third party coverage. The statutory minimum under the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272) only requires third party bodily injury coverage, not property damage.
Comprehensive motor insurance additionally covers own vehicle damage (accident, fire) and theft on top of third party coverage.