Insurance & Coverage
Statutory third-party insurance is included in the basic rental fee. For extra protection, you can add Premium Go self-managed coverage, which gives you a lower deposit, a damage-repair waiver and one free booking change. This page also sets out the full claims procedure, damage-assessment standards and loss-of-use charges.
Insurance & Protection Plans (Hong Kong)
Insurance included in the basic rental fee
Third-party insurance
Rentalbike.hk's basic rental fee includes the third-party liability cover required by law for every vehicle. Rentalbike.hk provides the following third-party coverage on all vehicles:
- Third-party bodily injury: HKD 100,000,000 (per accident | excess HKD 30,000)
- Third-party property damage: HKD 750,000 (per accident | excess HKD 30,000)
Optional protection plan at the time of rental
Premium Go — Vehicle Protection (optional)
Rentalbike.hk offers an optional, paid "Premium Go — Vehicle Protection" plan. If a fall or accident results in repair costs, any amount above the excess is covered by the plan. The excess is the amount the customer must pay themselves when an accident or fall occurs.
Accident procedure
Case 1: When a traffic accident occurs
- Aid the injured: check the condition of anyone hurt and call 999.
- Call the police: you must call 999 to report the accident regardless of who is at fault.
- Confirm the other party's details: record their name, address, contact details and so on.
- Contact the rental shop: report the accident to our staff and follow their instructions.
Case 2: Single-vehicle accident / fall / breakdown
- Contact the rental shop.
- Follow the instructions given.
Loss-of-use compensation
- Applies only when the fall damage reaches the "Moderate" grade or above.
- Able to ride the bike back to the shop yourself: HKD 1,000
- Unable to ride it back: HKD 2,500 + towing fee
- If the key is lost: key-cutting fee + HKD 1,000
Loss-of-use compensation covers the cost of the period during which the vehicle cannot be rented out because it needs repair after an accident or fall. Even if you have purchased "Premium Go — Vehicle Protection", loss-of-use compensation is still payable separately.
In addition, riding with a detached or damaged mirror, indicator, headlight, tail light or other safety component is not only dangerous but also breaches road traffic law and may incur a fine. If any of the above applies, please do not force the bike to keep running. Riding the vehicle back to the shop in such a condition may still incur the HK$2,500 loss-of-use compensation.
When insurance and protection do not apply
Insurance and protection will not apply to accidents arising in the following situations:
- Riding without a valid licence
- Riding under the influence of alcohol
- Riding without a helmet
- Ridden by someone other than the driver named in the contract
- No police report made at the scene (no police accident certificate obtainable)
- Settling privately with the other party
- Failure to contact the rental shop at the scene
- An accident occurring after extending the rental without permission
- Riding while overloaded
- Riding off public roads
- Single-part damage or corrosion caused by improper use
- Use in any kind of testing or racing
- Damaging the vehicle on the shop premises
- Breakdown caused by operating error
- Use in breach of the rental terms
- Other exclusions under the insurance policy
Motorcycle Damage Assessment Standard
Rentalbike.hk applies a fair standard across all services so that, when a rental motorcycle needs repair after an accident or fall, the scope and cost of the repair do not vary by shop, staff member, district or motorcycle manufacturer.
This English text is a translation for convenience; the Traditional Chinese version prevails.
Damage assessment ratio
Rentalbike.hk's own damage-assessment standard sets the ratios for repairable scratches and dents (using a Hong Kong $5 coin as the reference size):
| Ratio | Coin reference | Size | Example (HKD 500 part) |
|---|---|---|---|
| 30% | $5 coin × 1 | About 25 mm or less | HKD 150 |
| 40% | $5 coin × 2 | About 26 to 50 mm | HKD 200 |
| 50% | $5 coin × 3 | About 51 to 75 mm | HKD 250 |
| 100% | $5 coin × 4+ | About 76 mm or more (replacement) | HKD 500 + replacement labour |
Damage grade and loss-of-use compensation
Damage that is easy to replace or repair — such as levers, mirrors, footboards and footpegs — with a repair cost below HKD 1,000.
Parts with a damage ratio below 50%, where repairing damaged parts such as the fairing or muffler allows the bike to keep being ridden.
Parts with a damage ratio of 50% or more, where damaged parts must be replaced and the bike cannot be rented out.
Cases assessed as a total loss.
Definition of repair vs. replacement and labour charges
Repair
Repairing scratches, dents and similar damage to a part that does not affect riding.
Labour: None
Replacement
Replacing a part that is broken, cracked, bent or torn in a way that affects riding.
Labour: Yes
Rentalbike.hk uses a uniform labour rate of HKD 800 per hour. For example, replacing a lever on a HONDA CB400SF takes 0.1 hours, so the labour charge is HKD 80.
Repair cost calculation examples
Minor example: brake lever replacement
- Part cost: HKD 300
- Labour × 0.1 (hours): HKD 80
- Loss-of-use: waived
- Amount charged: HKD 380
Light example: muffler repair (scratches over an area of two $5 coins, charged at 40% of the part cost)
- Muffler: HKD 3,050 × 40% = HKD 1,220
- Muffler heat shield: HKD 160 × 40% = HKD 64
- Loss-of-use: waived
- Amount charged: HKD 1,284
Moderate example: muffler replacement
- Muffler: HKD 3,920 × 100% = HKD 3,920
- Replacement labour: HKD 550 × 0.3 (hours) = HKD 165
- Loss-of-use: HKD 1,000
- Amount charged: HKD 5,085
- If Vehicle Protection has been purchased, the charge for a P-4 grade is the excess HKD 5,000 + HKD 1,000 = HKD 5,085.
Definition of total loss and compensation
A total loss is damage so severe that the vehicle cannot be repaired, or that a mechanic judges cannot be used normally even after repair.
Vehicle Protection excess + loss-of-use compensation HKD 2,500
Our set loss cap for each vehicle (market value) + loss-of-use compensation HKD 2,500
Other loss-of-use charges and lost riding documents
Key-cutting cost + loss-of-use compensation HKD 1,000
Re-issue handling fee HKD 850
Appendix: Premium Go Self-Managed Vehicle Damage Compensation
(This appendix has the same legal force as the Motorcycle Rental Agreement Terms & Conditions.)
This English text is a translation for convenience; the Traditional Chinese version prevails.
1. Purpose
This appendix sets out the content and terms of the "Premium Go Self-Managed Protection" (the "Protection") offered by Rentalbike.hk. The purpose of the Protection is to provide the renter with an additional vehicle-protection arrangement during the rental period, reducing the repair and compensation liabilities arising from accidental vehicle damage and improving the overall safety and convenience of the rental service.
2. Premium
- The first-day premium is four hundred and fifty Hong Kong dollars (HK$450).
- From the second day onwards, the daily premium is half the first-day amount, i.e. two hundred and twenty-five Hong Kong dollars (HK$225).
3. Scope of protection
After purchasing the Protection, the renter receives the following coverage:
- Repair-cost waiver (excluding loss of use) — If the vehicle is accidentally damaged during the rental period, the renter is waived from all vehicle repair costs arising from that accident, other than loss-of-use compensation.
- Reduced rental deposit — The original rental deposit (ranging from HK$8,500 to HK$18,000 depending on the vehicle class) is adjusted to five thousand Hong Kong dollars (HK$5,000).
- Waiver of booking change or cancellation fee — After purchasing the Protection, the renter is entitled to one free booking change or cancellation, with no handling fee payable.
- Liability cap for total loss or theft — If the vehicle is stolen or written off during the rental period, the renter's maximum compensation liability is capped at the vehicle's then-current market value.
- Exclusions — The Protection does not cover any rented accessories (including but not limited to helmets, rain gear, tools and the vehicle licence) or the cost of damaging or replacing tyres.
4. Claims procedure
- Accident notification — In the event of any traffic accident, vehicle damage or loss, the renter must notify Rentalbike.hk within twenty-four (24) hours and submit an accident report, photos or video of the scene and (where applicable) the police report number.
- Vehicle inspection and damage assessment — After an accident, the vehicle must be sent to a location designated by Rentalbike.hk for inspection, where the workshop department carries out a damage assessment to confirm whether the event falls within the scope of the Protection.
- Claim decision — If the damage is confirmed to be within scope, Rentalbike.hk will arrange the vehicle repair and bear the related costs (excluding the loss-of-use portion). If the damage is caused by an excluded matter, the renter's negligence, a breach of law or a breach of the rental terms, the Protection does not apply and the related costs are borne in full by the renter.
- Document and record keeping — Rentalbike.hk will keep all accident records, repair invoices and related materials for claims and internal management purposes.
5. Conditions and limitations
- The Protection applies only to the period and vehicle stated in the rental contract signed with Rentalbike.hk.
- Once purchased, the Protection is non-refundable and non-transferable.
- If the renter breaches any term of the rental contract — including but not limited to driving under the influence of alcohol or drugs, speeding, riding without a licence, illegal modification, sub-letting or taking part in competitions — the Protection lapses immediately and Rentalbike.hk has the right to recover all related losses from the renter.
- The Protection is an internal self-managed risk-sharing scheme of Rentalbike.hk and is not underwritten by any third-party insurance company.
6. Legal effect
This appendix is an inseparable part of the Motorcycle Rental Agreement Terms & Conditions and has the same legal force. If there is any inconsistency between this appendix and the main contract, the provisions of this appendix prevail in respect of protection-related matters. Rentalbike.hk reserves the right of final interpretation and decision over this appendix.
If you have any questions about the insurance or coverage, please contact us via WhatsApp / phone (+852) 5961 4354 or email info@rentalbike.hk.