Insurance Guide

Sulfur frost, black ice, freezing drizzle, constantly falling snow, snowdrifts, and slippery surface - these are just a few attractions that await us on the roads during the winter trip outside Hong Kong. Hong Kongers’ popular winter destinations are Korea, China, and Japan. In fact, just a few months ago, one Japanese rental car company recommended tourists not to rent a car from them from November until March if they’re not familiar with winter road conditions. They stated that there was up to a 30% increase in car accidents involving foreign tourists in Hokkaido alone during winter months. Just in time to confirm the predictions, we heard of the recent news of a tragic collision of two Hong Kong citizens in snowy Hokkaido this Christmas Day. In light of the recent events, our team at Kwiksure decided to write a short guide on how to safely drive a car in winter and what to do in case of a car accident overseas.

Like many moms-to-be, you might also be planning one last stress-free journey before baby arrives and turns your world upside down. Whether you are only flying overseas for a weekend getaway, or planning longer holidays by the beach, make sure that you have valid travel insurance in place. And while we all hope that our vacations will go smoothly, mishaps do happen and can potentially leave you with sky high medical bills, lost flights, and extra accommodation bills. According to the recent consumer research awareness initiative by Travel Insurance Explained, many clients lack the knowledge about rules and regulations regarding traveling while pregnant. Concerned about this finding, today’s Kwiksure article is aimed at answering the most common questions pregnant travelers might have.

While we Hongkongers can enjoy the convenient public transportation system here every day, it can be more challenging if we were to travel around without a car in foreign cities. Thanks to the increasing availability of cars and the advent of technologies such as global position systems and smartphones, gone are the days when we had to join tour groups and wake up at 6 am to explore a new city. Instead, it is very common nowadays to go on a self-drive tour where you can travel at your own pace and truly enjoy the sense of freedom. Nonetheless, even with help from the latest gadgets, driving in an exotic locale can still be nerve-wracking and challenging. If you haven’t secured proper insurance coverage before you get behind the wheel, your journey could end up a financial disaster. To this end, our specialists at Kwiksure have prepared this article to give you a few tips on self-drive travel and rental car insurance .

From independence to saving money, there are many reasons why hiring a car might be the best option when going on holiday. The experiences you’ve had in foreign taxis, buses, trains, and short haul air travel may ignite your desire for freedom and solitude, and also the feeling of something familiar: a car ride. Cars are available for hire in almost every country in the world, so what do you need to know about protecting yourself when driving a rental car overseas? To help, today’s KS blog post answers two questions people often ask about overseas car rentals: “Do I need travel insurance for driving in a foreign country?”, and, “Will my HK car insurance cover overseas vehicle rentals?”.

Hong Kong is a city of travelers. Whether you are a jet-setting Hong Kong local that wants to try to make your friends jealous with all of the travel photos you post online or an expat business person that’s always on the go, people in Hong Kong are seemingly always scheming where their next holiday destination will be. One thing that is not always readily apparent when you first start making travel plans, however, is whether or not you will be able to legally drive in the country you will be visiting. Here, Kwiksure provides information on how to make sure that you are always able to drive where you need to go in foreign lands.

Exercising and eating well aren’t just important for the human contingent of your family. Pets can be affected by so-called lifestyle illnesses too, and if you want your pet to live a happy, healthy life then it’s important that you include them in your efforts to improve and maintain the overall health and fitness of your family. Read on for Kwiksure’s top tips on how having a pet can actually do wonders for your own - as well as your pet’s - health, happiness and wellbeing.