Insurance Guide

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.

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.