Insurance Guide

Running a car in Hong Kong can be costly. It's expensive enough to buy a car on its own. Afterwards, you still have to pay for at least third-party car insurance as mandated by Hong Kong law. However, did you know that car insurance is just like any other type of insurance in that there are certain exclusion clauses? Once violated, your insurance company will not compensate you for your losses. To protect themselves from reckless, irresponsible drivers, insurers have set up these terms. This week at Kwiksure, we'll take a look at how to find insurance exclusion clauses on your policy document. We'll also run down a list of the top six most common car insurance exclusions.

Besides electric vehicles, hybrid cars have also become a popular choice in recent years. Today at Kwiksure, we’ll take a look at three main types of hybrid cars: mild hybrid, full hybrid, and plug-in hybrid.

Electric cars are viewed as the mainstream cars of the future. However, Hong Kong still mainly relies on petrol vehicles. Several reasons why include car prices, insurance premium rate, and the number of available charging stations. Today at Kwiksure , we'll take a look at the most common types of vehicles in Hong Kong, so you can choose the best one for your own needs.

Buying a secondhand car in Hong Kong? Aside from relying on your dealer for a vehicle examination, it’s important to take a look at it yourself first. This is especially the case if you’re buying directly from a seller. If you’re purchasing from a reputable secondhand car dealer, then there’s little risk of choosing a car with pre-existing problems. Buying directly from the owner? Sometimes, you’ll run the risk of having to deal with scammers. They might sell you a car that is falling apart, previously flooded, or even illegally modified. Today at Kwiksure, we will delve into how car owners like you can examine a secondhand car to avoid buying terrible ones.

Bad driving habits can result in wide-ranging consequences. Irreparable damage to your favorite car and the loss of life are just two extreme examples. Overall, Hong Kong is a busy city with countless traffic lights, people, and cars. On top of that, you often have irritated drivers and the occasional traffic accidents . If you don’t want to be a hindrance to other drivers, you must get rid of your terrible driving habits. After all, these habits affect you, and everyone around you. Thinking of making claims? Bad driving may even ruin your streak for No Claims Discount (NCD) on motor insurance, and indirectly increases your premium! Today at Kwiksure , we’ll go over the top 7 bad driving habits that drivers tend to have in Hong Kong.

Now that we’re approaching the peak of summer in Hong Kong’s, many of you are probably thinking about going on long road trips - especially since COVID-19 has deterred people from traveling abroad on holiday. While summer is a great time for exploring the outdoors by car, it is important that you know how to keep your car safe if the temperature rises and what to do if your car overheats. In today’s Kwiksure article, we’ll provide you with five easy tips.

Most Hong Kongers wonder if the insurance plans they bought here are still effective once they’ve emigrated overseas. Lately, there has been a sharp increase in emigration cases, with America, Canada and Australia as Hong Kongers’ dream destinations. However, since these countries have high requirements for skilled and investment immigration, Singapore, Taiwan and Malaysia are quickly overtaking their places in popularity. Given that moving abroad is a major life event, you must plan everything carefully. This includes doing extensive research and preparation. Thus, you must first understand your insurance options before you leave. Today, our insurance experts at Kwiksure will answer your most frequently asked questions.

In our previous article, we mentioned that many car owners in Hong Kong choose to purchase second-hand vehicles due to the high depreciation rate of new cars. Apart from the transfer procedures of ownership , purchasing motor insurance for second-hand vehicles is also not as easy as it seems. In our Kwiksure feature article today, we’ll offer a step-by-step overview of how to purchase motor insurance for used cars.

In Hong Kong, many car enthusiasts like to modify their automobiles to improve their performance and look. Vehicle modification is more common in the West such as Europe and the United States. Some drivers may add turbochargers to boost the engine, while others upgrade their suspension to adjust the height of the ride. However, the modification process will inevitably involve legal and insurance issues. Today, we will quickly take a look at what we should pay attention to when modifying vehicles in Hong Kong.

Nowadays, it’s getting more common to borrow a car. So whether you are the car owner or borrower, you should understand whether the insurance will provide coverage in case of an accident. Today, our Kwiksure experts will shed light on the key points about lending a car.

Driving a car can be essential if you are traveling long distances to get from one place to another, or have kids that you need to drop off at school, five days a week. With all the chores and activities that need to be done, forgetting to drive in the correct position could yield some unwanted health problems in the long run. In this article by Kwiksure , we will provide you with some helpful steps to adopt when positioning yourself to drive in your car, and avoid all those unwanted health problems like lower back pain.

Numerous car owners periodically maintain and repair their beloved cars. However, some only focus on the car exterior, but neglect the seats that they sit on day in, day out. Whether they’re made of leather or velvet, if these seats keep coming into contact with sunlight, dust, sweat, and body oil, then they’ll harden and deteriorate. Also, the original color may fade. Want your seats to last longer, while preventing the interiors from getting moldy? You’ll need to do the occasional housekeeping. Today at Kwiksure , our car experts will share with you how to maintain and clean the two types of car seats: leather and velvet.