Insurance Guide

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.

The Transport Department’s personalized vehicle registration number service has long been popular among Hong Kong vehicle owners. Previously, bidding for registration numbers required attending the auction venue in person, which was limited by time and location. The Transport Department has now launched the ' e-Auction ' service, allowing vehicle owners interested in bidding for personalized registration numbers to do so online. This time, Kwiksure provides an in-depth explanation of the registration steps and auction process of e-Auction, and introduces three different bidding methods, enabling vehicle owners to easily bid for their desired registration numbers.

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.

Buying a new car is an exciting event. However, after spending time choosing your dream car, you often have to wait several months before taking delivery. Even when purchasing a brand new vehicle, it doesn't mean everything will be perfect; careful inspection is still necessary upon receiving the car. This time, Kwiksure will explain what you need to know when buying a new car and the 6 key inspection points during delivery, ensuring that all new car owners will have a good experience.

Vehicle owners used to queue at Transport Department offices or submit applications by mail for driver's license and vehicle license-related matters, often taking several hours. The Transport Department recently launched the ' e-Licensing Service Platform ,' which provides one-stop services for driver's license and vehicle license renewals, as well as access to driving offense records. Let's explore the platform's features and how to use them with Kwiksure.

Many places, including Hong Kong, require all drivers to purchase insurance for private vehicles to facilitate claims after traffic accidents or third-party claims. When dealing with claims related to traffic accidents, insurance companies conduct fair investigations to ensure that the party not at fault receives the compensation they deserve. However, saying the wrong things immediately after an accident can affect insurance claims. This Kwiksure article focuses on 7 things you should avoid saying right after an accident. After a traffic accident, if a private settlement cannot be reached, the police will need to conduct an investigation, and a judge will make a ruling to determine liability. Generally, insurance companies will wait for the police investigation and the judge's ruling before paying compensation. The police must investigate all accidents, as this is a crucial part of the claims process. According to statistics from the Hong Kong Police Force , there were a total of 14,521 traffic accidents in Hong Kong in the first ten months of 2024. It is easy to imagine that this requires a significant amount of manpower and resources! After an accident occurs, the police will question all involved parties to determine the cause of the accident and who is liable. This information will eventually be handed over to the insurance company, which will then consider it along with other data and the court's ruling to decide whether to compensate and the amount of compensation. When you are being questioned by the police, everything you say will be recorded. Therefore, the words you choose can greatly affect how quickly your claim is processed, and may even lead the insurance company to refuse compensation. The following seven lines commonly uttered by Hong Kong people could significantly affect the outcome of a traffic accident claim.

Hong Kong has many cars and narrow roads, making it easy for traffic accidents to occur with just a small mistake, and it's not uncommon for chain collisions to happen. This time, Kwiksure will explain who is responsible when multiple cars are involved in a collision, how insurance companies handle compensation, and how to respond calmly in the unfortunate event of a traffic accident.

Although Hong Kong's public transportation system is super convenient, owning your own car remains unmatched by public transport. However, becoming a car owner in Hong Kong comes with significant costs beyond the budget of buying a car. The expenses for parking, insurance, fuel, and license fees are enough to discourage many car enthusiasts—not to mention repair and towing costs if your car unfortunately breaks down. Many car owners are keen to find ways to reduce the costs of car ownership in Hong Kong, but how can you cut expenses without knowing where the money goes? In this Kwiksure feature, our experts will first explore the most common expenses car owners face, and then offer tips on how to save on car ownership costs.

In Hong Kong, the Transport Department mandates that all licensed private cars over 6 years old must undergo annual inspections at government-designated centers. Only upon passing the inspection can the vehicle registration be renewed. This Kwiksure guide explains the inspection costs for private cars, the required documents, and important points to note for vehicle licence renewal inspections.

Jaguar , the iconic British automotive brand with over 90 years of history, has created numerous beloved car models. In recent years, whether it's the luxury E-Pace or the supercar F-Type , these vehicles remain dream cars for many enthusiasts. In late 2024, the company decided to reposition the brand by introducing a new logo, promotional videos, and concept cars, which sparked strong reactions globally. Today, we'll share how this symbol of luxury and speed evolved from a coachbuilding company into a globally renowned luxury car brand, and its transformation into today's sophisticated Jaguar.

News reports highlight the rampant spread of bed bugs from time to time, and cars have become high-risk locations for infestations. Due to their astonishing reproductive ability, if bed bugs infest your car, they can quickly multiply and may even find their way into your home! This guide will explain the common hiding spots for bed bugs in cars, the symptoms of bites, and how to handle bed bug infestations, along with six methods for eliminating bed bugs in your car.