Insurance Guide

In many countries in the west like Canada, the US and the UK, as well as Australia, driving at night is arguably the riskiest thing people do on a day-to-day basis. Forbes, for example, reported that in the US, “49% of fatal crashes happen at night, with a fatality rate per mile of travel about three times as high as daytime hours.” Hong Kong is a bit different however, as there are generally fewer accidents at night, with - according to the Transport Department - only about 24% of road fatalities reported in 2014 happening at night. That being said, the Transport Department’s statistics found that nearly half (approximately 44%) of all accidents in 2014 happened during night-time hours. This highlights the fact that, while not as dangerous as in other countries, driving in Hong Kong at night is still risky, likely the riskiest thing we do on a day-to-day basis. To help avoid a potential accident and subsequent claim on your car insurance, here are our top 6 tips for driving at night.

The long awaited, yet regularly delayed Hong Kong-Zhuhai-Macao Bridge is supposedly set to open by the end of 2017. While this is certainly good news, there is one thing to think about: which side of the road the traffic will drive on. As this article in the HKFP discusses, it might be on the right. Due to this, there is a good chance that Hong Kong and Macau drivers will need to get used to driving on the other side of the road. To help, here are six tips you can employ when driving a right-hand (RHD) drive car on the right side of the road.

On Monday, the SCMP reported over an Appeal court decision that impacts the disqualifying of drunk drivers from cover by insurance companies and, subsequently, the ability for prosecutors to lay charges for a lack of insurance. What does this mean for Hong Kong drivers, and how might your insurance be affected? Kwiksure takes a look at how the Court of Appeal decision impacts the status quo.

Although Hong Kong has a small land area and a large population, there are many car lovers, which attracts many car event organizers to come to Hong Kong to hold events, which broadens the horizons of car fans. As a car fan, we definitely applaud and welcome it. As the end of 2023 approaches, Hong Kong's car events are coming one after another, both dynamic and quiet. Whether you want to feel the thrill of racing or want to appreciate the beauty of cars, you will definitely find an event that meets your requirements. This time, Kuai Er Bao will introduce you to the upcoming car events in Hong Kong so that you can arrange an unforgettable car journey.

Similar to life in Canada, living without a car in Australia can be fairly inconvenient. If you're planning to emigrate to Australia for good, it's best to exchange your Hong Kong license for an Australian one or get a license there. In this series of Kwiksure articles, we will take a look at four emigration hotspots for Hong Kongers (i.e. the UK, Canada, Australia, Taiwan) with a focus on the following topics: how to exchange an overseas driver license in Australia, get an Australian license, buy car insurance, and transfer your No Claims Discount/No Claims Bonus (NCD/NCB).

In order to make it easier to take care of their children, many new parents choose to travel by car. However, young children are not suitable for wearing seat belts in the car, and the new regulations will Mandatory use of restraints for children , child safety seats have become an indispensable accessory in the car. So how should we choose the right safety chair for our children? This time, Kwiksure will share with you 4 things to note when purchasing and assembling a child safety chair, as well as 5 car safety tips.

Traffic accidents on Hong Kong roads come in many forms, with many caused by driver or pedestrian carelessness. For instance, accidents occur when drivers fail to check their ' blind spots ' before turning, changing lanes, or reversing, without ensuring these areas are clear of other vehicles, pedestrians, or obstacles. But why do blind spots exist? What dangers do they pose? Today, we'll discuss the causes of blind spot accidents and the way to prevent them to make our roads safer.

Most office workers in Hong Kong enjoy their company-provided medical insurance. However, ever since the government started offering the Voluntary Health Insurance Scheme (VHIS), more and more people have become interested in buying a plan for themselves. You might question, if you already have group health insurance from work, is there a need to buy a VHIS plan ? Today at Kwiksure, our expert insurance advisors will break down the differences between group and individual health insurance.

Domestic helpers are human after all, and they need to take vacations to relax every now and then, just like the rest of us. Employers who hire Indian or Filipino maids should have a clear idea of when their helpers will be on leave and plan accordingly. Otherwise, employers may end up thinking that the domestic helper is there to help them when she is on leave. What’s even worse is, when an employer thinks they can pay their helper to buy out their vacations, they could be in violation of the Employment Ordinance. In this Kwiksure article, we will examine how to calculate the four types of holidays for foreign domestic helpers (FDHs), and whether these helpers can work on a holiday. Hopefully, this will serve to help employers abide by the law.

Mainland electric vehicle brands BYD . Its popularity is growing day by day. In the first four months of this year, it became the local sales champion. The manufacturer also launched minor facelifts for many of its car series in 2025. This time, Kwiksure will explain the various electric vehicle models sold by BYD in Hong Kong, and compare them in terms of performance, price and specifications, so that prospective buyers can get a clear understanding of BYD's new car information in one article.

Since the introduction of the 'Hong Kong Vehicles Northbound' plan, the response has been very positive. The Hong Kong government has recently indicated that it is considering shortening the reservation period to facilitate travel between Hong Kong and Guangdong Province. At the same time, details of the 'Guangdong Vehicles Southbound' plan have been revealed. The plan will be implemented in two phases. Here’s a breakdown of the implementation schedule, application method, fees, and driving range for Guangdong vehicles entering Hong Kong:

Northbound Travel for Hong Kong Vehicles are becoming more and more popular and have become a holiday activity for many Hong Kong people. Accidents are unpredictable. If you unfortunately encounter a traffic accident while driving in the Mainland, what should you do? Is the basic compulsory traffic insurance sufficient to pay the compensation? This time, the experts from Kuai Er Bao will analyze with you the steps to deal with different situations when a car crash occurs in the Mainland, and also attach a guide to seeking medical treatment in the Mainland in case of emergency.