Motor & Classic Car Insurance Hong Kong

Motor & Classic Car Insurance

Classic Car & Motor Insurance Specialists in Hong Kong

MGG arranges comprehensive motor insurance at exclusive rates for individuals and fleets across Hong Kong. Specialist cover for the vehicles that matter to you.

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Classic Car & Motor Insurance Specialists

Motor Insurance at Exclusive Rates for Every Vehicle Type

Agreed value policies for classic and collector vehicles

Specialist cover for Harley-Davidsons and classic bikes

Competitive rates for private car - comprehensive and TPO

What We Offer

Key Features of Our Motor Insurance Service

Classic & Vintage Car Specialists

Private Car - Comprehensive Cover

Motorcycles
& Classic
Bikes

Commercial Vehicles &
Fleets

Great Motor Insurance Solutions For Hong Kong Drivers

Hong Kong's roads are among the most congested in Asia, and its vehicle registration process is strictly controlled - meaning motor insurance in Hong Kong has its own specific requirements and nuances. Our team understands the local motor insurance landscape and ensures every client - from first-time car owners to serious classic car collectors - has the cover they actually need.

Is motor insurance compulsory in Hong Kong?

Yes. Under Hong Kong's Motor Vehicles Insurance (Third Party Risks) Ordinance, all vehicles being used on public roads must be covered by at least third-party motor insurance. Driving without valid motor insurance is a criminal offence in Hong Kong.

What is the difference between comprehensive and third-party-only motor insurance?

Third-party-only (TPO) cover is the legal minimum - it covers your liability to others for injury or property damage, but does not cover damage to your own vehicle. Comprehensive cover adds protection for own-vehicle damage, theft, fire and often personal accident benefits. For most private car owners in Hong Kong, comprehensive cover is strongly recommended.

Why does my classic car need specialist insurance rather than a standard motor policy?

Standard motor insurance policies use a depreciated market value to calculate claims — which is almost always lower than the true value of a classic or collector vehicle. Specialist classic car insurance uses an agreed value, set at inception, giving you certainty about the payout in the event of a total loss. Classic car policies also account for the limited mileage and specific usage patterns of collector vehicles.

What Our Clients Say

Trusted for Motor Insurance in Hong Kong

Daniel Foster

Hong Kong

^“MGG's team built a business insurance package that truly fits our operations in Hong Kong. From liability to employee protection, every detail was clearly explained. Their professionalism gave us confidence from day one. _“

Managing Director

James O’Brien

Hong Kong

^“Michael Hurley’s knowledge of the equine industry is exceptional. He doesn’t just arrange a policy — he explains exactly what the cover means for your horse and ownership structure. We now have complete confidence that we are properly protected. _“

Racehorse Owner

Sophia Bennett

Hong Kong

^“We needed urgent event cancellation and public liability cover for a corporate function in Hong Kong. The team arranged everything quickly and explained the risks clearly. Their service removed a huge amount of stress from the planning process. _“

Event Planner

Aarav Mehta

Hong Kong

^“Their medical insurance advice was clear, honest, and highly personalised. They helped us compare international plans and select the right family cover without overcomplicating the process. Excellent service throughout. _“

Private Client

Edward Collins

Hong Kong

^“Finding proper agreed-value cover for classic vehicles can be difficult, but Michael’s team made it seamless. The attention to detail and understanding of collector needs was outstanding. I wouldn’t insure my collection anywhere else. _“

Classic Car Collector

Oliver Hughes

Hong Kong

^“Their yacht insurance knowledge is second to none. From marina liability to storm damage risks, every aspect was covered thoroughly. When we needed advice during renewal, the support was immediate and highly professional. _“

Yacht Owner

We Have More
Than 5k Global Clients

Frequently Asked Questions

Motor Insurance - Your Questions Answered

Does Hong Kong motor insurance cover typhoon damage?

Standard comprehensive motor insurance policies in Hong Kong typically cover storm and flood damage to your vehicle - including typhoon-related damage. However, policy wordings vary. We ensure your policy clearly covers typhoon-related events before placement, and advise clients on the specific conditions that may apply.

Can I insure a left-hand drive vehicle in Hong Kong?

Yes - though this requires specialist placement. Left-hand drive vehicles are unusual in Hong Kong (which drives on the left), and not all standard motor insurers will cover them. We can arrange cover for LHD vehicles, including imported classic cars, through our specialist insurer panel.

How do I insure a classic car that I only drive occasionally?

Specialist classic car insurance is available with limited mileage conditions and agreed value cover - reflecting the fact that classic cars are typically driven less frequently and stored more carefully than everyday vehicles. These policies often provide better value than a standard comprehensive policy for collector vehicles.

Can you arrange insurance for a motorbike used for food delivery?

Yes - this is a commercial use requirement and requires a specifically endorsed policy. Standard motorcycle insurance does not cover commercial delivery use. We arrange appropriate commercial motorcycle cover with the correct endorsements for delivery riders in Hong Kong.

What We Offer

OUR POPULAR SERVICES

At M.G. Geraghty, we combine decades of expertise with a personal approach to insurance broking. Whether you need cover for your business, your family, or something truly specialist — we find the right solution at the right price.