Insurance Guide

When buying a used car , the transaction is generally not immediate because the buyer needs time to arrange motor insurance or have a third party do a vehicle inspection etc. In order to protect the rights of both buyers and sellers, both parties will sign a car sales contract and use the matters listed in the contract as the basis for future delivery of the car. What information do I need to fill in a car sales contract? What should I pay attention to when signing? This time, Kuai Er Bao will share with you the key points about the car sales contract, and also attach a car sales contract template for everyone to download.

With so many vehicle models on the market to choose from, needless to say, one should do proper research and test-drive different models before deciding on what car to buy. After all, decisions should not be made solely based on first impressions, and the look of cars can often be deceiving. It is particularly important to keep a cool head at auto shows, where car salespeople keep talking up the features and functions of their products. We've previously discussed what you need to consider when buying a new car . In today's article, our Kwiksure experts will share the things to look out for when test-driving a vehicle.

The Hong Kong government requires all vehicles to hold a valid vehicle license (commonly known as a 'driving permit') to operate on public roads. How much does it cost to renew the licenses for private cars, vans, and motorcycles? Are there differences in calculating the license fees for electric vehicles? What are the procedures and required documents for renewing the licenses of new and used vehicles? How long is a vehicle license valid for? What should you do if it expires? Kwiksure is here to answer all these questions.

Compared with traditional three-box or hatchback private cars, SUVs have a wider driving field of vision, larger luggage compartment space and better road handling capabilities, and have always been popular among users of different types and ages. This time, Kuai Er Bao not only recommends 10 SUVs to you, but also helps you understand the SUV model series of different brands to help you have a deeper understanding before purchasing.

Insurance is complicated. If you agree with this statement, then you’ve most likely gone through some facet of the process of purchasing or using an insurance policy. Perhaps you have tried to hunt down the ideal plan for a vehicle you love, or maybe you have had a fender bender in the past that required you to submit a claim. Whatever your insurance experience, you may have found that getting just about anything done with regards to insurance can be quite tricky. Kwiksure realizes this, and we take every step to try to simplify insurance on behalf of our members. The very purpose of an insurance broker like Kwiksure is to do what insurance companies either cannot or will not do for clients, in fact. As such, we also realize that many people will gravitate towards third parties outside of the insurance companies themselves for assistance in purchasing and using insurance. When it comes to this, there are basically two avenues to use: insurance brokers and insurance agents. How do these two terms differ, though; and how can you know which one is right for you? Read the article below to find out more.

Driving from Hong Kong to mainland China allows you to travel within Guangdong Province, but have you ever considered renting a car in mainland China to explore further? Renting a car gives you the freedom to travel beyond regional boundaries, with daily rental costs starting from just a few dozen yuan. With a wide variety of car models to choose from and the ability to complete the entire rental process through your mobile phone, Kwiksure is here to share with you the process, costs, required documents, and important considerations for Hongkongers renting cars in mainland China, along with recommendations for 5 car rental companies.

In Hong Kong, vehicle ownership is costly. If you want to enjoy driving fun, a motorcycle is a great next choice. However, obtaining a motorcycle driver’s license is not easy. If you want to 'pass in one go,' this guide provides an overview of the motorcycle licensing process and tips to help prospective first-time applicants prepare in advance.

Have you ever heard stories of people suddenly becoming homeless after a disaster that struck their home? It might have happened due to fire or a hurricane or other perils that damaged the apartment and made it uninhabitable and left entire families on the streets. For all those who own or rent a house, and of course, have a home and fire insurance plan in place, making sure that their policy also includes additional living expenses cover, also called the loss of use coverage, is useful in a situation where your place is uninhabitable. Additional living expense covers not only the cost of your new temporary accommodation like a hotel but also any additional living expenses such as for food, clothes etc, while your house is being fixed. The idea of additional living expense cover is to maintain the standard of living you had before the damage of your property.

Batteries are not only the power source of electric vehicles , but also affect handling, price, safety, and many other aspects. What types of batteries are currently used in electric vehicles? What are the characteristics of different battery types? What should you pay attention to when charging? This time, Kwiksure introduces the mainstream EV batteries, explains their features, pros and cons, and how to choose the right electric vehicle.

Motorcycles not only offer a free and flexible riding experience, but their maintenance costs are also much cheaper than private cars, naturally attracting many to become two-wheel riders. If you are buying a motorcycle for the first time, there are many factors to consider, such as bike types , safety features, and insurance coverage. This time, Kwiksure analyzes the important considerations for prospective motorcycle owners to help you make an informed choice.

Accidents can occur at anytime on the roads. In Hong Kong, traffic accidents and statistics are recorded by the Traffic Branch Headquarters (TBH) of the Hong Kong Police Force, as well as the Transport Department . Comparatively, Hong Kong can count itself amongst the countries with the lowest accident and fatality rates. It’s still helpful, however, to understand what the accident statistics in Hong Kong tell us, and how they can help us be safer drivers.

Accidents happen. When they involve your vehicle, getting repairs done quickly can be important to reducing any disruption to your work or personal life. You buy motor insurance to help you cover the costs of repairs when you need them - but you should also know what the process is and how it works before getting your car towed to the nearest mechanic. Car insurance repairs can be a simple affair but taking the wrong step can see you lose your coverage completely, and require that you foot the bill yourself. This article by Hong Kong car insurance broker, Kwiksure, will help you better understand what happens when you need insurance to help repair your car.