Insurance Guide

Buying property in Hong Kong is difficult, so if you want private space, buying a car could be a probable option. For first-time car buyers, there are likely many questions in their minds: Should beginners buy a new car or a used car? Where is the safest place for first-time buyers to purchase a car? Which car model is best suited for new drivers with a probationary license (P-License)? What are the procedures for buying a new or used car in Hong Kong? What should you pay special attention to when test-driving or inspecting a car? How much should you budget for owning a car in Hong Kong? In the following series of articles, our experts at Kwiksure will address these questions one by one. Today, we provide prospective car owners with a detailed overview of the car-buying process, costs, points to note, along with some practical tips.

With the aging population and dual-income families becoming the norm in Hong Kong, the demand for foreign domestic helpers remains high. According to data from the Immigration Department , there are over 350,000 foreign domestic helpers in Hong Kong, meaning about 1 in every 7 households employs a foreign domestic worker. This guide shares preparations before their arrival and four ways to maintain a good employment relationship with helpers.

Bed bugs have recently broken out in many countries. Traces of bed bugs were found on the seats of the Hong Kong Airport Express train earlier, which made Hong Kong people shudder at the mention of bed bugs. Bed bugs have an amazing reproductive capacity and can lay up to 200 to 500 eggs. Bed bugs can easily spread throughout the house in a few weeks. In addition, it is difficult for ordinary people to completely eliminate them by themselves, so the consequences can be serious or minor. This time, Kwiksure shares 10 ways to deal with bed bugs at home, analyzes the causes and signs of bed bugs, and how to prevent bed bugs from invading your home when traveling.

In the first half of 2024, there were 503 home burglary cases in Hong Kong, an increase of 114 compared to the same period last year. The rise in burglaries involving village houses surged significantly from 87 cases last year to 176 cases. This highlights the urgent need to improve home security and prevent burglaries. Kwiksure shares 8 practical tips to enhance home safety and includes a comparison chart of 'house markings' commonly used in Mainland China and Hong Kong.

When a vehicle is on the road, its exterior is inevitably subject to various degrees of damage—be it scratches from road debris or larger areas of damage caused by collisions. Car painting is a common solution to restore the vehicle's appearance. But what are the steps involved? What’s the difference between full car painting and partial car painting? How are costs determined? Let Kwiksure share essential information you need to know about car painting.

After the opening of the Hong Kong-Zhuhai-Macao Bridge (HZMB), residents can complete exit procedures at the Hong Kong port and take shuttle buses to Macao or Zhuhai. This Kwiksure guide embodies information on parking fees and reservation details at Hong Kong port, bus and minibus routes to the bridge, as well as shuttle bus fees and timetables for round trips to Macao and Zhuhai, making it easy for you to travel between the three locations.

In recent years, the car collector community has seen the rise of 'Restomod' (Restoration + Modification), which blends the classic appearance of vintage cars with modern design details, configurations, and performance. This approach allows these vehicles to retain their nostalgic charm while functioning on the latest technology. Today, Kwiksure will introduce six classic retro electric cars, allowing you to experience a blend of retro and futuristic aesthetics within the cabin.

After childbirth, new mothers need to recuperate and take care of their newborns. As a result, many families hire postnatal care helpers. Just like hiring a foreign domestic worker or a part-time helper, employers are required to purchase insurance for postnatal care helpers. So, how should one choose postnatal care insurance? What is the difference between postnatal care insurance and employee compensation insurance? Today, Kwiksure will address common questions about postnatal care insurance and compare different insurance premiums.

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.

For drivers, besides car insurance, a device commonly called a dash cam is essential to ensure the safety of themselves and passengers. For starters, in a traffic accident, the video footage can provide evidence of who caused the accident. Secondly, if there are unruly passengers, the dash cam footage can serve as evidence to protect drivers from false accusations. However, with so many dash cams on the market, how should one choose a suitable dash cam? This Kwiksure article summarizes the Consumer Council's testing criteria and recommends 10 dash cams, clarifying the characteristics of different types.

Seven-seater vehicles have always been a popular choice among car owners in Hong Kong. With the increasing availability of charging facilities, many are considering switching to electric vehicles. Numerous brands are targeting the luxury electric seven-seater market, launching spacious, comfortable, and multifunctional electric MPVs. This article introduces the top 9 electric luxury business MPVs from various automotive brands, perfect for family outings and also suitable as ' boss cars .'