Insurance Guide

In September 2023, Hong Kong experienced a once-in-500-years catastrophic event resembling scenes from a disaster movie. Severe flooding occurred in many areas, with some roads, shopping malls, and parking lots completely flooded. Many vehicles were damaged to varying degrees by the floodwaters. Concerns arose about these flood-damaged cars entering the used car market after repairs, potentially compromising road safety. For many used car buyers, telling whether a vehicle has been previously flooded based solely on its appearance is no easy task. Kwiksure here shares 10 tips for identifying flood-damaged used cars and offers ways to self-rescue and repair vehicles that have been flooded to varying degrees.

Heading north in electric cars has lately become a focal point for local drivers. However, even if you win the lucky draw, complete the application process and vehicle inspection, and purchase insurance, if you are driving an electric car, you will face another challenge: the charging standards in Hong Kong and the Mainland are different, requiring the purchase of adapters. Generally, electric cars can only travel about 200-300 km on a full charge, and considering a round trip on the Hong Kong-Zhuhai-Macao Bridge (HZMB) will total 110 km, the remaining power may be inadequate. Therefore, most owners need to charge their cars somewhere along the trip. In this Kwiksure article, we will look at the four major challenges (charging adapters, finding charging stations, finding parking spaces, handling accidents) that electric car drivers need to pay attention to when heading north.

Golfing accidents can be hilarious, here’s proof . But accidents can also be very serious -- and costly. And while everyone looks forward to getting out for 18 holes while the sun is shining and the weather is warm, the fact is that summer weather can be a major threat to health, and one that takes down far more golfers than a stray ball. To protect yourself against any potentially problems that could ruin your favorite pastime, consider these three important reasons you need golf insurance this summer.

Taking the leap from being an employee to an employer or someone who is self-employed should not be taken lightly. It takes a lot of hard work, plenty of thought, long hours and even some courage to start up your own business. And, you need to find the right insurance policy to safeguard your new enterprise. The good news is that insurance plans and options are available to protect against all kinds of risks, whatever they may be, to your business. The trick is finding the right plan to suit your specific company and industry. Here, we discuss the must-have insurance coverage options for start-up businesses in Hong Kong and China.

With Japan finally reopening, many people from Hong Kong can finally travel 'back home'. If you want to explore hidden gems outside the cities or plan to visit multiple suburban attractions in a day, renting a car for self-drive travel is the most convenient option. Today, Kwiksure will look into the steps and important considerations when renting a car and self-driving in Japan!

Hong Kong parking lots suffer from lack of regulation. To maximize profits, many have narrow lanes, and some are located in old commercial buildings from the 60s and 70s, making them especially dilapidated. Not only new drivers, but even experienced ones often get scratches. No wonder many drivers prefer street parking despite the risk of fines! Here, Fast & Safe lists the worst and most hellish parking lots in Hong Kong, Kowloon, and the New Territories, highlighting signature trap spots and precautions!

The Transport Department (TD) has announced that HKeToll, a tolling-without-stopping service, will be gradually implemented at all government tolled tunnels this year to replace the manual and automatic toll booths. Drivers can then pay tunnel tolls with ease using toll tags, without having to stop or queue at toll booths. All that they need to do is to attach a “vehicle tag” to the windscreen. But what if you are already using Autotoll? Will you need to switch to HKeToll? And how does one apply for a vehicle tag? In this Kwiksure article, we will give a primer on HKeToll, answer the commonly asked questions, and more.

Cases of monkeypox (or mpox) have been reported in various parts of the world lately. In early September, Hong Kong also officially confirmed an imported case. The World Health Organization (WHO) has listed monkeypox as a public health emergency of international concern (PHEIC), and our Department of Health (DH) has launched a monkeypox vaccination program for high-risk groups in early October. How is monkeypox transmitted? What are the symptoms? How long is the incubation period? How high is the risk of dying from the disease? How long will the general population have to wait to get vaccinated? Will your travel insurance cover monkeypox? Don’t worry, because Kwiksure will answer all these questions for you here.

Car theft rates are not high in Hong Kong compared to many other cities, but that doesn’t mean you won’t feel very frustrated if your private car or motorcycle is stolen. What are the actual car theft figures in Hong Kong? What should you do if your car is stolen? If you cannot find your car in the end, will your insurer compensate you for your loss? Are personal belongings in your car covered by insurance? The car insurance experts at Kwiksure are here to answer these questions for you.

Tesla, as the leading global electric vehicle brand, its prices and car release news have always been the most concerned topics for car owners. Model S and Model 3 are sedans, while Model X and Model Y are mid-size SUVs. But apart from this, what are the differences in performance and price between Model Y, Model 3, Model S, and Model X? And what is the 'one-for-one' plan? Our Fast and Secure experts have integrated the overviews of these four models to help you find the car model that best fits your budget and driving requirements. Update on April 12: Tesla finally cuts prices, announcing from April 15 the adjustment in prices for 4 models of Model 3 and Model Y. The biggest reduction is for the Tesla Model 3 Performance, with the latest price starting from HKD $440,335, a decrease of 14.7%! As for the prices of the rear-wheel drive versions of Model 3 and Model Y, they remain unchanged.

With a serious shortage of parking spaces in Hong Kong, and the sharp rise in oil prices in recent years, the cost of car ownership has become very high. If you no longer plan to keep your car, and are eager to cash out and leave Hong Kong, or your car is no longer roadworthy and cannot be repaired, you can elect to have it scrapped. That way, at least you can get back the scrap price of your car. However, the Hong Kong car scrapping industry is rather shrouded in mystery, and most drivers know very little and even have some misunderstandings about it. For example, some worry that their car will be used by criminals for unlawful purposes, and the car owner will end up a victim. In today’s article, Kwiksure will present a useful summary of the procedures and precautions to take when having your car recycled/scrapped in Hong Kong.

Assessing the amount of insurance you need for your structure and personal effects can be a real headache. The situation is the same whether you are a local resident or a foreigner planning to purchase property. But no matter who you are, it is necessary to purchase appropriate home insurance in Hong Kong. First, there are a few things you must consider and understand before asking around for quotes. As an expert in property and casualty insurance , Pacific Prime will now introduce to you the information that home owners should know, including what home insurance is and the factors that determine the price of home insurance in Hong Kong.