Settle into Hong Kong





& let us take care of all your insurance concerns.



 Coverholder at Lloyds


Who are we?

Navigator Insurance Brokers was established in Hong Kong in 1991. Since then,we have always been whole heartedly dedicated to serving companies and families both locally and internationally.We are especially well known amongst the Hong Kong expat community.

Why Choose us?

We are also expats!

-­‐  We know what it’s like to face a bewildering array of potential insurance plans. No one but us understand your needs and concerns, which is why we can give you the kind of advice we would want to receive if we were in your situation.

Client satisfaction and customer retention are our main focus!

—  As brokers, we search for the best insurance products at the keenest prices to meet your requirements in terms of quality of cover and budget. We also offer tailor made packages that are not available elsewhere.

Our rewards?

-­‐ Long term relationship with our loyal and satisfied clients; and commission from the insurers (Not from clients)!


How can we help?

We offer a range of insurance plans covering:

-­‐    Executive  Home  &  Jewellery

-­‐    Motor

-­‐    Domestic  Helper  /  Staff  insurance

-­‐    Medical   and   Maternity

-­‐    Life  &  Critical  Illness

-­‐    And   more…

Executive Homes and Jewellery

Executive Home & Jewellery

Home contents insurance provides coverage for your household items and possessions. At Navigator Insurance, we always advise our clients to take out a policy that includes personal liability as well.

If you are new to Hong Kong property leases, you will probably be shocked by the way Hong Kong landlords tend to impose on the tenant, responsibilities that would most likely be the obligation of the landlord in your own home country.

Therefore, we only source the best insurance providers based on their claims handling practices and willingness to play fair.

➢➢ For those needing immediate cover, we offer a couple of plans from AXA, which were designed by Navigator and only available through us:

Home Plan1. The New Settlers Home Plan (NSP): rated by the square foot area of your home.

2. The Captains Home Plan (CHP): rated (more traditionally) by the Sum Insured of your contents and valuables.

AXA guarantees to match or better any comparable quote and on a like-­‐for-­‐like basis, we have never known them beaten on price! Look at our website home page: www.navigator-­‐ and find the references to the NSP and CHP plans, bottom left of the home page. You can apply online and receive instant cover. Contact us for a promo-­‐code to receive a 10% discount on either plan.

➢ For those needing tailor made coverage or seeking coverage for valuable items and jewellery, we would recommend an executive home plan, from Hiscox in London, which we provide through our Lloyds connection.


Currently, our online motor system is the only instant motor quote website ,which provides comparative Motor Quotes from a number of insurers here in HK. Just enter: https://motor.navigator-­‐

We can also assist with the transfer of overseas no claim discount.

Motor Quote


In Hong Kong, whether the family hires a full time or part time foreign helper, driver, gardener or nanny, a comprehensive helper insurance will be needed to cover:

Mandatory Employee’s Compensation -­‐ to protect you against liability under the Employees’ Compensation Ordinance and Common Law for damages, claimant’s costs and expenses if you staff suffers injury or disease arising out of or in the course of his/ her employment.

o   Medical expenses: -­‐ to cover your staff outpatient clinical expenses and contribute towards the medical expenses incurred in the event of hospital confinement for surgery or treatment of accidental injury or sickness.

The typical local helper plan covers a very limited amount of private medical expenses. The maximum you can claim is seldom more than HKD 30,000 in a year. Government Hospitals do provide public healthcare, but these are oversubscribed in key areas, and often have long waiting lists.

Naturally, we recommend people to take more comprehensive medical cover for their helpers.

It’s a common fact that the USA is the most expensive region for healthcare – Hong Kong is considered to be the 2nd most expensive place and in certain areas of treatments exceeds the US in cost.

Speak to us for free impartial advice on your current company OR private medical cover to find out suitability within Asia.

We review different medical insurance plans on a regular basis and actively compare the price and coverage providing unbiased advice to our clients.

Contact us if you wish to review your current insurance plans or obtain the most up-­‐to-­‐dated information.


Life & Critical Illness

Life insurance helps to maintain a level of living standard for your
loved ones or even to sustain a Business. In case of the death of the
life insured, a lump sum will be payable to relieve the financial
worries of your family or to ensure business continuity.

Critical Illness Cover provides a ‘Living Benefit’ also in the form of
a one off cash sum, which will ease your financial pressures so that
you can take all the time you need to concentrate on your recovery.

Our life and critical illness insurance specialist has years of
experience working with companies and families in providing
advice on how to obtain the most suitable coverage at a reasonable

Come and speak with us, we would love to help!


Unit 8E, Golden Sun Centre,

223 Wing Lok Street, Sheung Wan, Hong Kong

(After hours 59-67 Bonham Strand W. Sheung Wan)

Tel (852) 2530 2530

Fax (852) 2530 2535