Insurance Guide

Most homeowners in Hong Kong would agree that their home is one of their most valuable assets. The majority of households in the SAR, however, do not have home insurance . In fact, nearly 80% of Hong Kongers do not have their home insured, according to a newly released Home Protection Awareness Study. So, why is there such a low uptake of home insurance here? And, more importantly, why do homeowners need to insure their homes? Read on to find out.

“How can I save money on car insurance?” is probably one of the most commonly asked questions when it comes to renewing or buying a new car insurance policy. Everyone wants to save money - but when it comes to securing car insurance coverage, its jargon and pricing complexities can make finding the best value policy an ordeal for many Hong Kong drivers. So, in an effort to bring transparency to the world of auto insurance, our team of experts at Kwiksure have compiled the following top tips for managing and reducing your car insurance costs.

As we turn to the time of year where new car models are hitting the markets, we at Kwiksure think it’s a good time to discuss the ins and outs of buying a car in Hong Kong. Beyond the task of finding a car , there are a number of legal regulations new car owners must adhere to in order to make their new car “road legal”. This week, learn what you need to do when you buy a new car in Hong Kong.

In a recent article we discussed the various statistics behind road accidents in Hong Kong. This combined with a number of high profile car crashes has raised a number of questions, especially around insurance coverage. While the chances of something going wrong on the road are generally pretty slim, drivers should be aware of how their third party or comprehensive car insurance deals with accidents. One major concern drivers often think about is whether their car insurance will protect them should they be the one at fault in the event of a car accident. To answer this question, it’s important to first explain that different types of car insurance policies handle accidents differently. To help, this week’s article by Kwiksure outlines everything you need to know about how different car insurance plans deal with accidents.

Buying car insurance, many people think of the benefits of being covered for damage and injury resulting from a car crash. However, things can happen to your vehicle even when you’re not driving it. Vandalism, break-ins, property theft, and accidental damage; these can all cause significant and expensive damage or loss to a vehicle or other property, leaving many wondering: Will my insurance cover this? This week, Kwiksure looks at the type of non-driving dangers that can happen to your vehicle and discusses what car insurance can do.

In a recent article, we took a look at car safety ratings and their impact on insurance. Truth be told, in many cases when people start looking for a new car, especially those with a family, the vehicle's safety will be among the most important things considered. In recent years we have seen smart technologies employed in cars with increasing frequency, especially when it comes to safety. Here we take a look at the most commonly requested car safety tech features, and the impact they might have on the cost of car insurance in Hong Kong.

What started out as yet another mid-August typhoon, Typhoon Hato quickly intensified in strength as it barreled down on Hong Kong, unleashing hurricane force winds and rain, prompting the city to raise its first T10 warning in 5 years. As the typhoon raged, videos and reports of damage to homes and property were quick to come in with the SCMP reporting that there could be upwards of HKD 8 billion in losses. This typhoon and the damage it caused has certainly led to many people in the city wondering whether home insurance will cover damage from storms like this. Here, we aim to take a look at what you need to know about home insurance and how it covers damage from typhoons and other major storms.

If there’s something that reignites the classic gender debate, it’s the question over who are better drivers. It can be a bit tongue-in-cheek, a little irrational, and sometimes even a heated discussion, but it’s something that many organizations and industry bodies have considered. This week, Kwiksure takes a look at what studies have said about female drivers over the years, and finds some trends that have remained constant over time.

Any driver in Hong Kong should be aware of the legislation governing traffic offences, so that they don’t risk putting their safety or the safety of other drivers and pedestrians in jeopardy. From dangerous driving, driving under the influence, to driving without third party auto insurance, today we look at what Hong Kong legislation has to say about the most common traffic offences in Hong Kong.

So, you've bought a new car. That's great, you are one step closer to the freedom owning a car can bring to people in Hong Kong. That said, there is one more thing you need: insurance. In order to get you and your new car on the road quickly, and legally, you should secure at least third party insurance. To help make things as easy as possible, here are six things you can do to find the best third party car insurance plan in Hong Kong.

Looking after your car is like looking after your body; the better condition you can keep it in, the better it will treat you over time. Car maintenance is a fact of life for vehicle owners, and it can be the difference between protecting yourself, your passengers and one of your most expensive assets. Some countries mandate that drivers have their vehicles tested at regular intervals, obtaining either a certificate or warrant of fitness, but what are the rules in Hong Kong? This week, Kwiksure examines the rules of certifying a vehicle roadworthy for Hong Kong drivers and how this might affect your insurance.

Roads can be dangerous places but, as a driver, nothing makes it more unsafe than distracted driving. There are lots of reasons for losing focus on things other than your driving; other passengers, alcohol and drugs, music. However, smartphones are by far the number one reason many drivers will take their eyes off of the road and pose a safety risk to other drivers and pedestrians. This week, Kwiksure examines the laws around using mobile phones whilst driving on Hong Kong roads, as well as the impact being distracted might have on your insurance.