Insurance Guide

Hong Kong is not a big city. You can get around the whole place in less than one day, especially if you’re using the world-class public transport system. For many expats, however, driving is high on their list of things to do when living here. Maybe you’re choosing to live out in the New Territories and need your own reliable transport, or maybe you’re just keen to keep behind a wheel. Kwiksure has all the information you’ll need regarding car insurance for foreigners and other important things to know about driving in Hong Kong.

Cars are sensitive machines that rely on many interconnected parts to function properly. Damage or complete destruction to any of these parts can be detrimental to your vehicle, as well as send repair bills into the stratosphere. No matter how “bullet proof” you think your car is, or how conscientious of a driver you are, there are a number of culprits that can send even the mightiest of vehicles into an early grave. Here, we look at the 7 most common causes of car damage in Hong Kong, and some of the things you can do to avoid them.

Shopping for motor insurance can be a tedious, borderline annoying process. Between finding a trustworthy insurance provider, identifying the best possible plan they sell, filling out paperwork, and handling payment, by the time you get insured, you’re happy to be done with it all. Honestly, we’d likely all prefer to just get our insurance and be done with it. Sure, we know there will be more tedium down the road should we need to make use of our insurance, but outside of that, we’d like to push the thought of car insurance right out of our minds. Time, on the other hand, has other plans. This is because, while it may seem that our car insurance policies go on and on, in reality they are renewed on a yearly basis. It’s even possible that it’s being renewed without you realizing it. So, what should you know about your car insurance renewal? Here, Kwiksure provides 5 tips to remember when renewing your car insurance in Hong Kong.

Earlier this week, our General Manager, Ken Chung, attended a memehk.com live show as a guest speaker and authority on all things car insurance related. Viewed by a live online audience of nearly 10,000 people, the Facebook broadcast centered around some of the most commonly-asked questions about car insurance in Hong Kong; all of which were answered in easy-to-understand, layman’s terms. In case you missed it, be sure to watch the recorded version of the show (in Cantonese only) here , or read on to learn about the key car insurance tips and insights shared by Ken.

Change is constant, and a change in your car ownership situation can happen without regard for the neat time periods set by your car insurance policy. As your circumstances change, you may find yourself wondering if you should let your insurance provider know so you can update your car insurance benefits. This week, we’re discussing what changes you may need to inform your insurance company of, what effect it may have, and what happens if you want to change to a new insurer mid-policy.

“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.

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.