Insurance Guide

Vehicle depreciation is an important concept that every car owner must understand. As the car wears out and ages, its value will gradually decrease, affecting the amount of insurance compensation for the vehicle. This time, Kwiksure will discuss with you how insurance companies calculate vehicle depreciation, analyze the possible reasons for vehicle depreciation, and share 3 ways to avoid vehicle depreciation.

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According to the World Health Organization, a suitable child car seat can provide better protection for children. In the event of a collision, it can reduce the injury risk for children under 4 years old by 50%. The Taiwan Ministry of Health and Welfare also notes that child car seats can reduce the impact force on a child’s neck by 73% and the death rate by 71%. In this article, we will share 6 tips from the Consumer Council on how to choose the right car seat, recommend suitable car seats, and discuss the correct installation and placement.

When purchasing car insurance, we often focus on the coverage provided by the plan and overlook the exclusions listed in the policy. To get the most suitable coverage for your needs, it's essential to understand under what circumstances the plan will not provide coverage. This Kwiksure article will explain the exclusions in different types of car insurance and highlight important considerations, helping you find the most suitable car insurance plan.

Whether it’s racing tires, quiet tires, or fuel-saving tires, different tires all require appropriate tire pressure. With the advancement of automotive technology, systems that monitor tire pressure (air pressure) have become increasingly sophisticated to immediately notify drivers when a tire burst causes low pressure. Among these, the TPMS (Tire Pressure Monitoring System) is the most widely used. Today, Kwiksure shares with you how TPMS works, what indirect and direct TPMS are, and important points to note when installing it yourself.

After getting your driving license, the next step, of course, is to consider buying a car to know what it’s like to own one. However, as a new driver with limited road experience, it’s hard to totally avoid minor accidents like scratching or denting your car while parking. Therefore, it is wise to choose a 'P-license car' that is easy to drive and maintain. In this article, Kwiksure recommends 12 popular private cars suitable for new P-license drivers. They all have a moderate body size, engine displacement below 1,500 c.c., and excellent handling, making them particularly suitable for new drivers. Moreover, in view of the expenses that come with car ownership, such as insurance and parking, the price range is set below HK$100,000, making it easier for everyone to get on board.

Today, AMG has become the golden signboard of Mercedes-Benz . Like the BMW M series, it represents the manufacturer's "performance responsibility". This time, Kwiksure will share with you the development history of AMG, and see how this modification company from the 1960s gradually became the "aristocrat" of Mercedes-Benz, the origin of "One Man, One Engine", and list a number of AMG classic models for you.

In Hong Kong, driving a sports car is a unique experience, whether weaving through the old historic buildings in Wan Chai, cruising among the skyscrapers in Central, or speeding through the New Territories. However, due to the high price and costly maintenance of sports cars, purchasing suitable insurance becomes an important task for every sports car owner. This time, Kwiksure breaks down the four key things to know when buying sports car insurance and how to reduce premiums, helping you choose the most suitable insurance plan in Hong Kong.

The impression of vans (light trucks) that are mainly powered by diesel engines has always been 'business trucks'. In fact, vans are not only square-shaped vans, but also include smaller light vans, sturdy pick-up trucks, and even MPVs、 SUVs . This time, Kwiksure will introduce to you the different types of vans currently available in the Hong Kong market, which are suitable for both commercial and family use, and share the things to note when purchasing vans.

According to the Transport Department’s Transportation Information Annual Report ", the pass rate of the combined private car test in 2024 is only 30%. One of the reasons is estimated to be that there are currently 10 test centers for private cars and light trucks in Hong Kong (not counting driving schools). However, even in the same test center, the test routes are slightly different, which becomes the biggest challenge for candidates when taking the license test. This time, Kwiksure will provide you with an inventory of the private car and light truck driving test routes in Hong Kong, and also provide a reference for the difficulty ranking of the license plate road test, so that candidates can pay special attention when taking the test to successfully obtain the P plate.

Many people believe that car insurance premiums in Hong Kong are calculated based primarily on the vehicle type and the driver's age. However, the reality is that it depends on several important factors, and quotes from different insurers can differ by thousands or even tens of thousands of dollars. These factors include engine displacement, driving history, and traffic violations. Even a single ticket can lead to an increase in your premium. In this article, we at Kwiksure will break down the 5 major factors that affect your premiums and share 7 tips to save on insurance costs.

Riddle: Which English letter is the fastest? Answer: M The M series models, regarded as the epitome of BMW 's high performance, have been around for over 50 years. As the company's special forces, they have produced numerous classic models that dominate the racetrack. Various M road car models, like wolves in sheep's clothing, allow even non-professional racers to experience their power. This time, we aim to provide a deeper understanding of the origins of BMW's M series and explain the various M series. The BMW M series originated from the GmbH division established in 1972, which was initially known as Motorsport GmbH. This initiative was driven by then BMW president Eberhard von Kuenheim (1928 - ), with the goal of overseeing BMW's motorsport activities, such as producing racing engines and components. Motorsport GmbH was led by Jochen Neerpasch, a former professional driver for Porsche and team manager for Ford. At its inception, it had only eight employees, but as it expanded, Motorsport GmbH transitioned from behind the scenes to the forefront. In 1973, the company created the powerful 3.0 CSL , featuring a striking color scheme of factory blue, purple, and red, boasting 360 horsepower. The letters CSL stand for Coupé (two-door), Sport, and Leicht (lightweight), while the first letter 'M' from Motorsport marks the founding of the M series.