Premium Go Protection
Every Rentalbike.hk rental includes Premium Go Protection: HK$150 for the first day, then HK$75 per additional day. It covers a vehicle damage excess of HK$15,000, statutory third-party insurance, a flat HK$5,000 deposit and one free booking change or cancellation. This page also sets out the full claims procedure, damage-assessment standards and loss-of-use charges.
Premium and coverage
Premium Go Protection premium
Included in every rentalPremium Go Protection is automatically added to every rental total — there is nothing extra to select, and it cannot be removed.
Last updated: . Current Premium Go Protection rates (HK$150 first day, HK$75 per additional day, HK$15,000 vehicle damage excess) apply from 26 September 2026.
What Premium Go Protection covers
Every rental's Premium Go Protection includes all of the following:
1. Vehicle damage excess of HKD 15,000
If a fall or accident means the vehicle needs repair, the most the renter pays towards vehicle repair costs per incident is HKD 15,000 (the excess); anything above that is covered by Premium Go Protection. Loss-of-use compensation is not covered and is charged separately.
2. Third-party insurance
Premium Go Protection includes the third-party liability cover required by law for every vehicle:
- Third-party bodily injury: HKD 100,000,000 (per accident | excess HKD 30,000)
- Third-party property damage: HKD 500,000 (per accident | excess HKD 30,000)
3. Flat HKD 5,000 deposit
The Damage & Misc Deposit is a flat HKD 5,000 for every bike, held as a credit-card pre-authorisation at pickup. If the pre-authorisation cannot be completed, the deposit must be paid by actual payment instead, plus a HKD 250 handling fee.
4. One free booking change or cancellation
Each rental includes one free booking change or cancellation: cancel up to the day before pickup for a full refund (including the Premium Go fee), or on your first change get any difference from a shorter rental refunded in full. Once used, later changes or cancellations follow the cancellation policy.
5. Liability cap for theft or total loss
If the vehicle is stolen or written off during the rental, the renter's maximum liability is capped at the vehicle's market value at the time.
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 period during which the vehicle cannot be rented out because it needs repair after an accident or fall. It is not covered by Premium Go Protection and is 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 800 × 0.3 (hours) = HKD 240
- Loss-of-use: HKD 1,000
- Amount charged: HKD 5,160
- Because the repair cost of HKD 4,160 is below the Premium Go Protection vehicle damage excess of HKD 15,000, the renter pays the full repair cost plus loss-of-use compensation: HKD 5,160 in total.
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 damage excess HKD 15,000 + 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 Protection
(This appendix has the same legal force as the Motorcycle Rental 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 "Premium Go Protection" (the "Protection") provided by Rentalbike.hk. The Protection is a vehicle-protection arrangement that must be included in every rental contract. Its purpose is to reduce the renter's repair and compensation liabilities arising from accidental vehicle damage during the rental period, and to improve the overall safety and convenience of the rental service.
2. Premium
- The first-day premium is one hundred and fifty Hong Kong dollars (HK$150).
- From the second day onwards, the daily premium is seventy-five Hong Kong dollars (HK$75).
- The Protection must be included in every rental contract; the premium is included in the rental total and the renter may not opt out.
3. Scope of protection
The Protection included in every rental contract provides the following coverage:
- Vehicle damage excess — If the vehicle is accidentally damaged during the rental period, the vehicle repair costs payable by the renter for each incident are capped at fifteen thousand Hong Kong dollars (HK$15,000); any amount above this is borne by the Protection. Loss-of-use compensation is not covered and is payable separately.
- Third-party insurance — The Protection includes statutory third-party liability insurance: third-party bodily injury up to one hundred million Hong Kong dollars (excess of thirty thousand Hong Kong dollars per accident) and third-party property damage up to five hundred thousand Hong Kong dollars (excess of thirty thousand Hong Kong dollars per accident).
- Rental deposit — The Damage & Misc Deposit is a flat five thousand Hong Kong dollars (HK$5,000) for every vehicle. If the credit-card pre-authorization hold cannot be completed, the Renter must pay the deposit by actual payment instead, and an additional handling fee of HK$250 applies.
- Waiver of booking change or cancellation fee — The renter is entitled to one free booking change or cancellation. A booking that has not been changed may be cancelled up to the day before pickup for a full refund of all amounts paid, including the Premium Go fee; on the first change, any difference from a shorter rental or a downgrade is refunded in full. After this entitlement has been used, later changes or cancellations, as well as cancellations on the pickup day and no-shows, are charged under Clause 4.7 of the rental terms.
- 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; the renter pays repair costs up to the vehicle damage excess, and Rentalbike.hk bears any amount above it (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.
- The Protection is non-transferable and cannot be separately removed or refunded once the rental contract takes effect.
- 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 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.