Insurance Guide

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.

Careless driving is a common traffic violation in Hong Kong, with relatively light penalties; but how to distinguish it from dangerous driving, which carries heavier penalties? How will the court define the two? This time, Kwiksure will analyze and compare the definitions, judgment standards and penalties of careless driving and dangerous driving, and also explain the impact of the two traffic crimes on car insurance renewal.

Many car owners don't mind lending their cars to relatives and friends, but in fact there are many potential risks. For example, who will bear the liability for an accident after borrowing the car? Once an accident occurs, car insurance Will compensation be paid? This time, Kwiksure will explain to you the insurance protection for car owners and car borrowers, the conditions for adding other drivers to car insurance and the impact on premiums, as well as the precautions for borrowing or leasing a car.

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.

Hong Kong's road test is notoriously difficult to pass in one go. As a result, getting your probationary driving license seems like a far-off dream. Depending on your needs, aspiring drivers may choose between taking driving lessons in private or at a driving school . Though there is something you can do to increase the odds of passing the road test. Familiarize yourself with past test-takers' top mistakes so you can learn to avoid them. Today at Kwiksure , we'll take a look at the most common mistakes students make on the road test.

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.

The Transport Department’s personalized vehicle registration number service has long been popular among Hong Kong vehicle owners. Previously, bidding for registration numbers required attending the auction venue in person, which was limited by time and location. The Transport Department has now launched the ' e-Auction ' service, allowing vehicle owners interested in bidding for personalized registration numbers to do so online. This time, Kwiksure provides an in-depth explanation of the registration steps and auction process of e-Auction, and introduces three different bidding methods, enabling vehicle owners to easily bid for their desired registration numbers.

The Transport Department has launched the 'International Driving Permit Self-Service Station.' Residents can simply make an online appointment in advance to apply for and collect their international driving permit on the same day. In this article, we will present a detailed introduction to the application eligibility and important notes for using the self-service station, along with our experience from actually using the system.

In 2024, three airlines announced direct flights to Sendai, making it possible to reach Tohoku, Japan, in just 5 hours without needing to transfer or take the Shinkansen. Although various transportation passes are available in Tohoku, the attractions are generally quite far apart, making driving a more suitable option. This time, we will introduce the unique attractions of the 5 prefectures in Tohoku, starting from Sendai for an in-depth road trip.

Self-driving tours are the most popular travel option for the people of Hong Kong, which is why the Transport Department's Licensing Office often has long queues as many people apply for international driving permits for their trips. But is that the only way to apply for an international driving permit? What are the common pitfalls drivers should be aware of when renting cars abroad? And how should travel insurance be arranged? In this article, Kwiksure will provide a step-by-step guide to ensure a safe and enjoyable self-driving trip!

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.

After much waiting, the new Tesla Model Y has finally been officially revealed. The new model features many new designs both inside and out, and the turn signal stalk has also made a comeback. The new car is now available for order on Tesla’s website. This time, we provide a comprehensive analysis of the new Tesla Model Y, a must-read if you are considering purchasing the new Model Y.