Insurance Guide

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.

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.

Besides electric vehicles, hybrid cars have also become a popular choice in recent years. Today at Kwiksure, we’ll take a look at three main types of hybrid cars: mild hybrid, full hybrid, and plug-in hybrid.

Electric cars are viewed as the mainstream cars of the future. However, Hong Kong still mainly relies on petrol vehicles. Several reasons why include car prices, insurance premium rate, and the number of available charging stations. Today at Kwiksure , we'll take a look at the most common types of vehicles in Hong Kong, so you can choose the best one for your own needs.

Buying a secondhand car in Hong Kong? Aside from relying on your dealer for a vehicle examination, it’s important to take a look at it yourself first. This is especially the case if you’re buying directly from a seller. If you’re purchasing from a reputable secondhand car dealer, then there’s little risk of choosing a car with pre-existing problems. Buying directly from the owner? Sometimes, you’ll run the risk of having to deal with scammers. They might sell you a car that is falling apart, previously flooded, or even illegally modified. Today at Kwiksure, we will delve into how car owners like you can examine a secondhand car to avoid buying terrible ones.

Bad driving habits can result in wide-ranging consequences. Irreparable damage to your favorite car and the loss of life are just two extreme examples. Overall, Hong Kong is a busy city with countless traffic lights, people, and cars. On top of that, you often have irritated drivers and the occasional traffic accidents . If you don’t want to be a hindrance to other drivers, you must get rid of your terrible driving habits. After all, these habits affect you, and everyone around you. Thinking of making claims? Bad driving may even ruin your streak for No Claims Discount (NCD) on motor insurance, and indirectly increases your premium! Today at Kwiksure , we’ll go over the top 7 bad driving habits that drivers tend to have in Hong Kong.