Chi tiết sản phẩm

Compulsory third party liability insurance for auto owners

Compulsory third party liability insurance (CTPL) of auto owners is a type of compulsory insurance prescribed by Government to protect unfortunate third parties from damage to people and property, and at the same time help car owners reduce the financial burden of having to compensate for damages caused by traffic accidents. Let HD Insurance help you feel more secure on every journey.

Ensure compliance with legal regulations on compulsory civil liability insurance

At your discretion, you can optional choose to cover for the driver and passengers in the vehicle

Claim procedures are quick, transparent, and accurate

24/7 consulting service

Đối tượng tham gia bảo hiểm:	Owners of autobikes participating in traffic within Vietnam.
Thời hạn bảo hiểm:
Hình thức hợp đồng:	E-Certificate
Quy tắc, điều khoản bảo hiểm:

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Compulsory third party liability insurance for auto owners

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A member of Sovico Group, one of the largest private economic groups in Vietnam. HD Insurance inherits the financial potential and strong reputation from the Group.

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HD Insurance puts customers at the center and provides optimal insurance services to customers, with innovative and flexible insurance products.

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Pioneering in capturing new world trends and integrating digital technology platforms, bringing a convenient and reliable insurance experience to users.

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HD Insurance has a charter capital of 1,800 billion VND, ranking in the top group in the fields of non-life insurance, health insurance and financial investment.

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Thông tin chi tiết sản phẩm

A. Subject matter insured
– Civil liability of motorbike and motorbike owners towards third parties liability subject to provisions of law.
– Driver, person being transported in the vehicle.
B. Coverage
1. Compulsory third party liability insurance
HD Insurance shall compensate for the following damages:
a) Non-contractual damage to health, life and property to third parties caused by cars while they are in traffic.
b) Damage to the health and life of passengers in that vehicle caused by cars while in traffic.
2. Accident insurance Driver, assistant and passengers in the vehicle
Bodily damage to the insured person due to an accident while in the vehicle, getting in and out of the vehicle while the vehicle is in traffic.
C. Exclusions
Insurance exclusions for compulsory third party liability insurance:
HD Insurance shall not be hold responsible for compensation in the following cases:
a) Intentional act causing damage by vehicle owner, driver or person suffering damage.
b) The driver who caused the accident intentionally fled without fulfilling the civil liability of the vehicle owner. In case the driver causing an accident intentionally flees but has fulfilled the civil liability of vehicle owner, it shall not be subject to this exclusion.
c) The driver does not meet the age requirements as prescribed by the Road Traffic Law; the driver does not have a driver’s license or uses an invalid driver’s license according to the provisions of law on training, testing, issuance of road vehicle driving licenses, the driver’s license is erased or using an expired driver’s license at the time of the accident or using an inappropriate driver’s license for a vehicle that requires a driver’s license. In case the driver is deprived of the right to use a valid driving license or has his driving license revoked, he is considered not to have a driving license.
d) Indirect or consequencial damages includes: reduction in commercial value, damage associated with the use and exploitation of damaged property.
đ) Damage to property caused by a driver operating a vehicle with an alcohol concentration in his blood or breath exceeding the normal value according to the instructions of the Ministry of Health; Using drugs and stimulants is prohibited by law.
e) Damage to property stolen or robbed in an accident.
g) Damage to special property including: gold, silver, precious stones, valuable papers such as money, antiques, rare pictures, corpses and remains.
h) Damage caused by war, terrorism, earthquake.
Exclusions for voluntary insurance: please prefer details at HD Insurance’s Voluntary Vehicle Insurance Wordings.

Thông tin bồi thường

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Quy trình xử lý bồi thường

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1. Notice to HD insurance

When an accident occurs, immediately notify HD Insurance Hotline 1900 068 898 for detailed instructions.

2. Submit your claim letter

Submit claim documents according to HD insurance instructions

3. Claim settlement

HD Insurance processes documents and notifies customers.

Câu hỏi thường gặp

If I have questions related to my insurance policy, who should I contact?

You can contact HD Insurance’s customer service center via Hotline 1900 068 898 for support if you have any questions about the contract.
In case I lose my Electronic Insurance Certificate, what should I do?

Option 1: Check your mail box where e-insurance certificate was sent when registering for insurance.
Option 2: Enter website: https://e-certificate.hdinsurance.com.vn/ then fill in information requested to view and/or download your insurance certificate. If you have already registered account on HD Insurance’s website, you can log in to your account to search for your insurance certificate.
Option 3: Contact HD Insurance’s customer service center via Hotline 1900 068 898 for support.
Can I terminate my insurance contract before its expiry?

According to Decree No. 67/2023/ND-CP, you can terminate your CTPL insurance in cases where the vehicle registration certificate or license plate are revoked according to regulations of the Ministry of Public Security.
Why do I have to buy compulsory third party liability insurance for vehicle owners?

Compulsory third party liability for motor vehicle owners is a type of mandatory insurance prescribed by Government to protect third parties and passengers who unfortunately suffer bodily injury or damage property due to accidents caused by traffic accidents. All vehicle owners who are individuals and organizations in Vietnam are responsible for participating in this type of insurance.
In compulsory third party liability for motor vehicle owners, who is the third party?

Third party is a person who suffers damage to health, life, or property caused by a motor vehicle, except for the following people: The driver, people in the vehicle, and passengers in the vehicle itself; vehicle owner unless the owner has assigned another organization or individual to possess and use that vehicle.
Can I buy more than 01 Compulsory Third Party Liability Insurance with the same insurance period?

You should not buy many Compulsory Third Party Liability Insurance, for according to provisions of Decree No. 67/2023/ND-CP, liability of compulsory insurance for third party of motor vehicle owner only arises on the first insurance contract.
In case you want to increase amount of sum insured on liability, please contact HD insurance to purchase additional voluntary third party liability insurance along with mandatory third party liability insurance.
What types of motor vehicles can I buy Compulsory Third Party Liability Insurance for?

HD Insurance provides insurance for all types of motor vehicles according to the provisions of Decree 67/2023/ND-CP dated September 6, 2023.
In case you need help or additional information, please contact HD Insurance at 1900 068 898.

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Insurance terminology

Motor vehicle owner: Is an organization or individual that owns a motor vehicle or is assigned by the motor vehicle owner to legally possess and use a motor vehicle.

Motor vehicles: Includes road motor vehicles and specialized motorbikes, including:

- Road motor vehicles include cars; tractor; trailers or semi-trailers pulled by cars or tractors; two-wheeled motorbikes; three-wheeled motorbikes; Motorcycles (including electric motorbikes) and vehicles with similar structures according to the provisions of the Road Traffic Law.

- Specialized motorbikes include construction motorbikes, agricultural and forestry motorbikes and other special vehicles used for defense and security purposes according to the provisions of the Road Traffic Law.