21.6 Car Damage in Guangdong Province of China and/or Hong Kong-Zhuhai-Macao Bridge (Applicable to both Comprehensive Complete cover and Comprehensive Prestige cover)
Insurance subject to a minimum damage excess of HK$50,000 or 15% of vehicle damage, whichever is higher.
In consideration of Your payment of additional premium, it is agreed that Your Policy is extended to cover You and Your Car under Section (I) Against Loss of or Damage to Your Car and Section (III) Indemnity of medical expenses whilst being driven in the geographical area of the Guangdong Province of the People's Republic of China and / or Hong Kong-Zhuhai-Macao Bridge("HZMB"). Indemnity limits of the original Policy remain unchanged. The free additional benefits as per paragraph 19 apply except:
21.6.2 For any claim arising within Guangdong Province and / or HZMB, the amounts of General Excess and Theft Loss Excess applicable to Section (I) will be $50,000 or 15% of the adjusted loss, whichever is the greater. For other excesses applicable pursuant to paragraph 8 of this Policy, the amount(s) is as stated in Your Policy Schedule
It is expressly declared that this extension shall not in any event apply to Section (II) Insurance -against third party legal liabilities.
For the sake of clarity, geographical area of HZMB covered in this Clause include (a) the HZMB Hong Kong Link Road, (b) the HZMB main bridge, and (c) the road connected from the HZMB main bridge to the East Car Park of the HZMB Frontier Post at Macao Port. The afore-mentioned (a), (b) and (c) cover the road permitted to be driven according to the HZMB Bridge Macao Port Park-and-Ride Scheme, whereas otherwise there is no cover inside Macao.
Insurance subject to a minimum damage excess of HK$50,000 or 15% of vehicle damage, whichever is higher.
In consideration of Your payment of additional premium, it is agreed that Your Policy is extended to cover You and Your Car under Section (I) Against Loss of or Damage to Your Car and Section (III) Indemnity of medical expenses whilst being driven in the geographical area of the Guangdong Province of the People's Republic of China and / or Hong Kong-Zhuhai-Macao Bridge("HZMB"). Indemnity limits of the original Policy remain unchanged. The free additional benefits as per paragraph 19 apply except:
- Claims Recovery Services under paragraph 19.2;
- the emergency services of (i) emergency roadside assistance; and (iii) rental car under paragraph 19.1.
21.6.2 For any claim arising within Guangdong Province and / or HZMB, the amounts of General Excess and Theft Loss Excess applicable to Section (I) will be $50,000 or 15% of the adjusted loss, whichever is the greater. For other excesses applicable pursuant to paragraph 8 of this Policy, the amount(s) is as stated in Your Policy Schedule
It is expressly declared that this extension shall not in any event apply to Section (II) Insurance -against third party legal liabilities.
For the sake of clarity, geographical area of HZMB covered in this Clause include (a) the HZMB Hong Kong Link Road, (b) the HZMB main bridge, and (c) the road connected from the HZMB main bridge to the East Car Park of the HZMB Frontier Post at Macao Port. The afore-mentioned (a), (b) and (c) cover the road permitted to be driven according to the HZMB Bridge Macao Port Park-and-Ride Scheme, whereas otherwise there is no cover inside Macao.
