Insurance Guide

Drivers who are just buying their first car must reckon with the fact that the purchase of a motor insurance policy will be associated with a relatively high expense for them. Whether you are still on your probationary driving license, or already a holder of a permanent driving license, during your first years of driving you will be bound to pay higher car insurance premiums. While this is inevitable, there are certain ways to lower the premium amount first-time drivers will have to pay. Today, motor insurance brokerage firm Kwiksure will share a few tips for reducing first-time driver car insurance.

Back in 2012, the Chinese and Hong Kong governments have launched the “Ad Hoc Quota Trial Scheme for Cross Boundary Private Car” to allow Hong Kong private car owners to drive their vehicles into the Guangdong Province via the Shenzhen Bay Port once for a stay of no more than seven days. However, the scheme was criticized for its complex application procedure and only received a lukewarm response. In light of this, the government has recently simplified the application process to encourage more people to self-drive to the Guangdong Province, and is considering lifting the six-week restriction between each trip. Today, this Kwiksure article divulges some useful tips for drivers interested in self-driving to the Guangdong Province.

Hong Kong is a developed city with a vibrant and eclectic culture. So it makes perfect sense that there are quite a lot of people out there who don’t mind splurging on vintage and classic cars. And one of the most talked-about topics among these hard-core gear-heads is importing an antique car into Hong Kong and even driving it on Hong Kong roads. While our previous articles have touched on what to consider when buying a classic car at an auction , and top automobile events , today we at Kwiksure will look at how you can register these dream cars in Hong Kong.

This March, a Citybus double-decker slammed into a stationary truck on Hong Kong’s West Kowloon Highway, claiming the lives of two drivers and injuring 16 people. This serious traffic accident has once again raised the concern in society about what drivers should do when their cars break down in the highway, as well as the mismanagement of the tunnel company. Today, this article from Kwiksure will divulge some safety tips on what to do in a highway crash, how to avoid highway accidents, and how insurance can protect you.

Road accidents can be very stressful, to say the least. While the chances of getting into an accident is generally pretty slim, knowing what to do should a mishap on the road occur can save you from unnecessary hardship. Those looking for information on how to deal with accidents will find many resources on the topic online, such as our new infographic, titled: What to do in the event of a car accident . But what if a traffic accident were to involve injured animals?

Just face it: Hong Kong is probably not the easiest place to drive in the world, with frequent traffic congestions, rude and grumpy road users, limited parking spaces, and narrow and worn-out roads. However, as limited as our individual efforts are, the least we can do is to take precautionary measures when getting behind the wheel to protect ourselves, our passengers, as well as other road users. As we celebrate the new year of the pig, Kwiksure will divulge the following tips for having a safe and claims-free 2019.

Previously, Car1.hk has conducted an interview with Kwiksure motor insurance department manager Ken. He has answered some questions that many Hong Kong motorists are most concerned about nowadays, introduced readers with our brand and improved their understanding of motor insurance. Today, Kwiksure brings to you some of the best content in the interview.

While Hong Kong is a convenient city when it comes to public transport and daily commute, it may not be so ideal if you are traveling with kids. Just imagine the scene your child may make in a congested MTR compartment when there is a service delay or disruption (which seem to be getting much more frequent these days), or how difficult it is to grab a seat on a bus during rush hour. To that end, a car seems to be a necessity for new mothers and fathers. However, while driving with kids can be fun, it is also every parent’s responsibility to keep their children safe on the go. Before you get behind the wheel, Kwiksure will give you a few tips on how you can properly protect your kids in your car. Protecting your kids when driving Before we dig deeper into the motor insurance side of this subject, let’s go through how you can ensure the safety of your little ones while driving:

Most Hong Kong drivers should have experienced difficulty with parking in this cramped city. Sometimes we may end up parking on slopes when there’s no level parking space around. However, a fatal traffic accident in North Point last Monday came as an alarming reminder of the importance of parking safety. The accident took place when a school minibus careened down the street after the driver had exited the vehicle, colliding with pedestrians down a narrow street before crashing into a storefront. The minibus driver tried to stop the vehicle from sliding but was hit and dragged for 20 meters. He and other three victims remained in critical condition at the hospital. The tragedy has claimed the lives of four people and injured nearly a dozen in total. At the time of writing, the police had found no problem with the braking system of the school van and thus are focusing their investigation on whether the driver has applied the handbrake properly. In light of the accident, this week Kwiksure will offer some practical safety tips for parking on slopes.

Just last week, a serious deadly crash took place in Hong Kong where a shuttle bus smashed into the back of a stationary taxi on a highway, injuring 32 people and killing six, including the drivers of both vehicles. It was the city’s second such road accident in 2018, following a tragic bus crash in Tai Po in February that claimed 19 lives. The police stated that the coach driver had already worked for 10 hours when the accident occurred, and would investigate whether he could have been overworked or tired. This begs the question of how the physical condition of drivers will affect motor insurance claims. In today’s Kwiksure article, we shed light on the impact of chronic illnesses on motor insurance claims and premiums in Hong Kong.

Unlike vast countries such as the U.S. or Canada, Hong Kong is such a tiny little city and it is rather unlikely that we would squeeze everything in and overload our cars during long-haul travels. However, overloading is not unheard of among commercial vehicles such as minibusses and trucks. For example, this May, a 71-year-old female minibus driver was arrested for cramming 25 passengers into her 19-seat minibus when the police carried out an undercover operation in northern Hong Kong, the SCMP reports. While carrying more goods or passengers can certainly bring more profits to the driver, it also raises both safety and insurance issues. In this feature, Kwiksure will take a look at how overloading vehicles break the law, endanger other road users, and potentially invalidate your insurance.

Online car quote tools, or car insurance calculators are of utmost value to those who are looking for car insurance in Hong Kong. Not only will such tools allow you to obtain a free car insurance quote, but if you know how to maximize the potential of car insurance calculators, using them can help you save money, too! In today’s article, Kwiksure will explain step by step how using a car insurance calculator properly can spare you extra costs on your car insurance premiums.