第1部份：保險產品

正確答案 / Correct Answer: A

• 根據香港《汽車保險（第三者風險）條例》（第272章），所有在香港道路上行駛的車輛必須投保第三者汽車保險。
• 法定最低要求只涵蓋第三者人身傷亡，並不包括第三者財物損失或自身車輛損毀。
• 因此選項A正確。

• Under the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272) of Hong Kong, all vehicles used on roads in Hong Kong must be covered by third party motor insurance.
• The statutory minimum only covers third party bodily injury, not third party property damage or own vehicle damage.
• Therefore option A is correct.

正確答案 / Correct Answer: A

• 第三者汽車保險只保障第三者因投保車輛引起的人身傷亡及財物損失。須注意，此為一般市場第三者保單的標準保障範圍。根據《汽車保險（第三者風險）條例》（第272章）的法定最低要求，僅需保障第三者人身傷亡，並不包括財物損失。
• 綜合汽車保險在第三者保障的基礎上，額外涵蓋投保車輛本身的損毀（意外、火災）及盜竊。
• 因此選項A正確。

• Third party motor insurance only covers third party bodily injury and property damage caused by the insured vehicle. Note: this represents standard market third party coverage. The statutory minimum under the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272) only requires third party bodily injury coverage, not property damage.
• Comprehensive motor insurance additionally covers own vehicle damage (accident, fire) and theft on top of third party coverage.
• Therefore option A is correct.