Insurance Guide

Buying property in Hong Kong is difficult, so if you want private space, buying a car could be a probable option. For first-time car buyers, there are likely many questions in their minds: Should beginners buy a new car or a used car? Where is the safest place for first-time buyers to purchase a car? Which car model is best suited for new drivers with a probationary license (P-License)? What are the procedures for buying a new or used car in Hong Kong? What should you pay special attention to when test-driving or inspecting a car? How much should you budget for owning a car in Hong Kong? In the following series of articles, our experts at Kwiksure will address these questions one by one. Today, we provide prospective car owners with a detailed overview of the car-buying process, costs, points to note, along with some practical tips.

When a vehicle is on the road, its exterior is inevitably subject to various degrees of damage—be it scratches from road debris or larger areas of damage caused by collisions. Car painting is a common solution to restore the vehicle's appearance. But what are the steps involved? What’s the difference between full car painting and partial car painting? How are costs determined? Let Kwiksure share essential information you need to know about car painting.

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.

For drivers, besides car insurance, a device commonly called a dash cam is essential to ensure the safety of themselves and passengers. For starters, in a traffic accident, the video footage can provide evidence of who caused the accident. Secondly, if there are unruly passengers, the dash cam footage can serve as evidence to protect drivers from false accusations. However, with so many dash cams on the market, how should one choose a suitable dash cam? This Kwiksure article summarizes the Consumer Council's testing criteria and recommends 10 dash cams, clarifying the characteristics of different types.

The current average waiting time for driving tests (end-of-list appointments) is about 7 to 8 months. Many repeaters choose to apply for an early test appointment in hopes of a quick resolution to avoid incurring additional costs for makeup classes and reapplying for a learner's license. This guide explains the booking process for a repeater early test appointment to help you obtain your P license sooner.

Hong Kong people have a special fondness for Japanese cars, especially those that are unique to the Japanese domestic market, commonly known as JDM (Japan Domestic Market). The 1980s and 1990s were the golden years of Japanese cars. Many classic models were highly sought after by Hong Kong car fans, such as the familiar Toyota AE86, Nissan Skyline GT-R, Subaru WRX STi and Subaru etc. This time, Kuai Er Bao will introduce you to some famous JDM cars to see if there is your dream car.

The Taxi Driver Offence Points Ordinance came into effect on 22 September 2024. If a taxi driver is convicted of a crime or liable to pay a fine, he or she will be incurred corresponding points. If the points accumulate to a certain level, corresponding actions or penalties will be triggered, with the maximum penalty being a six-month suspension of the driver's license. Kwiksure explains in detail the points of the taxi driver scoring system, the corresponding penalties and the details of the taxi service improvement course, as well as the ways for passengers to report to taxi drivers.

As a car owner, car insurance is an essential expense. But how should you choose the right policy? What are the differences between third-party insurance and comprehensive insurance? How do insurance companies determine premiums? This time, Kwiksure will provide a detailed explanation of the coverage of third-party and comprehensive insurance, the factors affecting premiums, and the reasons for insurance rejection, helping you select the right car insurance plan.

According to Mercer’s 2024 Global Cost of Living Rankings , Hong Kong, Singapore, and Zurich rank as the world’s most expensive cities for living costs. Notably, Hong Kong’s fuel prices are the highest globally, significantly outpacing second-place Monaco. Why have Hong Kong’s gasoline prices risen far more frequently than they’ve dropped over the years? Let’s explore the underlying reasons for Hong Kong’s soaring fuel costs.

There are many deep cleaning and disinfection services for car interiors on the market, with a variety of names such as ozone disinfection, steam disinfection, or photocatalyst disinfection. What are the differences among these methods? How do you choose the right disinfection method for your needs? This article analyzes the features and price comparisons of various car cabin disinfection methods.

What should you prepare for renewal? Before renewing your policy, review your current coverage terms and premium, reassess your needs, and consider whether there are other plans that may offer better value and more suitable protection.