Insurance Guide

Congratulations on passing your driving test! But let’s get back to reality for a moment, and the reality is you still have to wait a year before you can get your full driving license. So how do you apply for your probationary driving license (P license) now? What restrictions apply when you hold a P license? What are the procedures for eventually applying for a full license? In this Kwiksure “P license FAQs” series, we will answer all these questions and more for you.

The shortage of parking spaces in Hong Kong has drivers parking their vehicles illegally. According to a traffic report, Hong Kong police have issued 3.3 million parking tickets in one year (2021). In addition, the fees collected under the violation of parking rules added up to HKD $1 billion. Hong Kong police have invested in intelligent parking ticket robots to tackle the problem of illegal parking. The robots will be able to issue parking tickets efficiently and reduce the need for human resources. Read on to learn more about intelligent parking robots and their duties.

Hong Kong is not exactly a city with a ton of space, this is especially evident when you have a car in the city and are looking for parking. In many areas of the city there is a chronic shortage of parking, so much so that many people usually end up double parking on the street. In fact, walk around an area like Central during the week and it's common to see vans and cars lined up with drivers sitting in the vehicle waiting for their employer to finish work, shopping, or even meetings with clients. While this is perfectly fine, the fact that many of these vehicles are illegally parked makes many other drivers incensed. If you drive in Hong Kong regularly, there is a good chance that you have parked illegally before, likely because you had no other option. In recent months the police have been cracking down on this, but did you know that illegal parking might have an impact on your car insurance?

A rare car accident occurred in Kowloon Bay last week. A potential buyer met up with the car owner for a test drive. At first, the driving was nothing out of the ordinary. Then, the driver (i.e. buyer) suddenly lost control of the car when turning and crashed into road signs, railings, and five motorcycles parked on the side of the road. The vehicle turned over completely at the end. Fortunately, both the driver and the owner climbed out of the car uninjured. However, the total compensation for the five damaged motorcycles exceeded HK$100,000.

When a typhoon hits Hong Kong, naturally most people will stay at home. Still, there may be times when you need to drive in bad weather. Many believe that if a car accident happens or if your car gets damaged by shattered glass while parked on the roadside when the No. 8 typhoon signal is in effect, your car insurer will not compensate you for your loss, but is that true? In this article, Kwiksure will examine the factors that insurers will consider when deciding whether or not to compensate, as well as the claims procedures for third-party and comprehensive car insurance.

Finding a metered parking space in Hong Kong is not easy. After all, the scarcity of parking spots did not happen overnight. So, the Transport Department (TD) announced that 12,000 new parking meters have been installed in phases since January 2021 - 1,500 new parking meters will cover all 18 districts of Hong Kong in the first phase. As of July 2021, a total of 4,345 new parking meters are now in service. TD predicts that it will finish replacing all parking meters with new ones by the first half of 2022. TD will also push out a mobile application named ' HKeMeter ' to complement the new meters. With this, you'll be able to pay the parking meter at a distance. Today at Kwiksure , we'll teach you how to register and use the new HKeMeter app.

The SAR government announced on August 27th a Free Flow Tolling System (FFTS) in their Road Traffic (Toll Tags) Regulation . Expected to be rolled out halfway through 2022, drivers will only need to affix a vehicle-specific toll tag on their windshield to be able to pay the tunnel toll. Simply put, with this, non-stop toll payment is possible at government toll tunnels and the Tsing Sha Control Area. Read on for a quick rundown of how to pay with an auto toll tag in Hong Kong under the new FFTS in this Kwiksure article.

Digitalization has been revolutionizing the insurance industry in recent years. Whether it's underwriting, claim-filing, or even renewal, they are all on the cusp of a major upheaval. Today at Kwiksure , our experts will explore how the use of technology will shape the future of car insurance.

So you’ve just got a drivers’ license in Hong Kong and bought a new car. You are more than ready to hit the road and experience Hong Kong’s historic boulevards as a driver for the first time. However, there’s one more thing you need to do before you are able to drive in Asia’s business hub. To legally drive in Hong Kong, apart from your drivers’ license, you are also required to get a license for your vehicle. While the registration process is not very complicated, new drivers may still need some time to figure out the details. To make things easier for you, our experts at Kwiksure have created this infographic to guide you through the key steps of registering and renewing a vehicle license. The infographic is split into three main parts. The first part highlights the process of registering a vehicle. The second part outlines the requirement for getting a vehicle license renewed. The final part shows the vehicle license fees for various types of engine capacities. Let’s briefly go through what they entail.

The novel coronavirus puts a stop to nearly everybody's travel plans. Many opt to visit local sightseeing spots instead for a taste of vacation. For this reason, renting a car for a local self-driving tour is becoming increasingly common. What precautions should you take when going on a self-driving tour during the pandemic? How do you rent a car in Hong Kong in the first place? Today at Kwiksure , our experts will delve into these questions.

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.