ABOUT MIB

INTRODUCTION

簡介

The Motor Insurers’ Bureau of Hong Kong is a company incorporated in Hong Kong and limited by guarantee. It was incorporated in 1980 and commenced operations on February 1, 1981. All insurance companies in Hong Kong who are authorized by the Hong Kong Government to write motor vehicle insurance are required to be members of the Bureau.

香港汽車保險局於一九八零年在本港註冊成為一有限保證之法定機構，並於一九八一年二月一日正式開始服務。

Each member has entered into an agreement with the Bureau to contribute such funds as may be required by the Bureau to meet its objectives.

所有經由香港政府批准承保汽車保險之保險公司均須成為本局之會員及繳付若干基金以便本局能實現本身宗旨。

BACKGROUND

背景

Under the Motor Vehicles Insurance (Third Party Risks) Ordinance, all vehicles must be insured against claims for third party bodily injuries arising out of an accident involving the use of the vehicle on a road.

根據摩托車輛(第三者意外)保險條例，所有車輛車主必須投保在道路上使用車輛時發生意外之第三者傷亡保險。

Instances have arisen where victims of accidents have been unable to recover the damages awarded to them against the owner or driver of a motor vehicle, because of the lack of valid insurance or where some breach of the policy conditions would allow the insurer to repudiate his liability. In addition, there have been limited failures of certain insurers to meet their obligations under their policies due to insolvency.

以往若干意外實例中，受害人在意外發生後未能獲得法律上應得之賠償，原因是肇事車輛沒有保險或車主因違反若干保單條款而引致保單無效或保險公司因沒有償債能力導致其發出的保單變得無效。

OBJECTIVE

宗旨

The principal objective of the Bureau is to secure the satisfaction of claims in respect of liability for death or bodily injury which arises from the use of motor vehicles on the road, when the use of the vehicle is required to be covered by the Motor Vehicles Insurance (Third Party Risks) Ordinance.

本局之宗旨是確保在摩托車輛(第三者意外)保險條例適用情況底下，在交通意外中因駕駛人疏忽而導致傷亡之受害人或其家屬可以獲得法律上應得之賠償。