Insurance Guide

Drivers who are just buying their first car must reckon with the fact that the purchase of a motor insurance policy will be associated with a relatively high expense for them. Whether you are still on your probationary driving license, or already a holder of a permanent driving license, during your first years of driving you will be bound to pay higher car insurance premiums. While this is inevitable, there are certain ways to lower the premium amount first-time drivers will have to pay. Today, motor insurance brokerage firm Kwiksure will share a few tips for reducing first-time driver car insurance.

Drivers who are just buying their first car must reckon with the fact that the purchase of a motor insurance policy will be associated with a relatively high expense for them. Whether you are still on your probationary driving license, or already a holder of a permanent driving license, during your first years of driving you will be bound to pay higher car insurance premiums. While this is inevitable, there are certain ways to lower the premium amount first-time drivers will have to pay. Today, motor insurance brokerage firm Kwiksure will share a few tips for reducing first-time driver car insurance.

Back in 2012, the Chinese and Hong Kong governments have launched the “Ad Hoc Quota Trial Scheme for Cross Boundary Private Car” to allow Hong Kong private car owners to drive their vehicles into the Guangdong Province via the Shenzhen Bay Port once for a stay of no more than seven days. However, the scheme was criticized for its complex application procedure and only received a lukewarm response. In light of this, the government has recently simplified the application process to encourage more people to self-drive to the Guangdong Province, and is considering lifting the six-week restriction between each trip. Today, this Kwiksure article divulges some useful tips for drivers interested in self-driving to the Guangdong Province.

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.

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.

Hong Kong is a developed city with a vibrant and eclectic culture. So it makes perfect sense that there are quite a lot of people out there who don’t mind splurging on vintage and classic cars. And one of the most talked-about topics among these hard-core gear-heads is importing an antique car into Hong Kong and even driving it on Hong Kong roads. While our previous articles have touched on what to consider when buying a classic car at an auction , and top automobile events , today we at Kwiksure will look at how you can register these dream cars in Hong Kong.

This March, a Citybus double-decker slammed into a stationary truck on Hong Kong’s West Kowloon Highway, claiming the lives of two drivers and injuring 16 people. This serious traffic accident has once again raised the concern in society about what drivers should do when their cars break down in the highway, as well as the mismanagement of the tunnel company. Today, this article from Kwiksure will divulge some safety tips on what to do in a highway crash, how to avoid highway accidents, and how insurance can protect you.

Road accidents can be very stressful, to say the least. While the chances of getting into an accident is generally pretty slim, knowing what to do should a mishap on the road occur can save you from unnecessary hardship. Those looking for information on how to deal with accidents will find many resources on the topic online, such as our new infographic, titled: What to do in the event of a car accident . But what if a traffic accident were to involve injured animals?

Just face it: Hong Kong is probably not the easiest place to drive in the world, with frequent traffic congestions, rude and grumpy road users, limited parking spaces, and narrow and worn-out roads. However, as limited as our individual efforts are, the least we can do is to take precautionary measures when getting behind the wheel to protect ourselves, our passengers, as well as other road users. As we celebrate the new year of the pig, Kwiksure will divulge the following tips for having a safe and claims-free 2019.

It is important to understand that home insurance is not just one policy. Home insurance policies can be divided into two main categories: home buildings insurance and home contents insurance. Both of these home insurance cover an accidental fire, but in a slightly way, and that’s what our today’s article is about.

In their goal of promoting the use of electric private cars, the HK government has launched the “One for One Replacement” scheme in the Budget Plan of 2018 last February. Just yesterday, the authorities have relented the rules after the scheme has been blasted for having harsh requirements and rigid conditions. Today, Kwiksure will spell out what exactly the “One for One Replacement” scheme is, what the latest revision is about, the challenges for electric private car owners in Hong Kong, and some potential solutions.

No matter whether you are a new driver with a probationary driving license or you have been riding a motorbike for over 30 years, purchasing a new motorcycle insurance policy is no easy feat. You will have to spend time on researching and comparing prices of different policies, or else you may have to pay some serious money out of pocket when there’s an accident. Our previous features have touched on what every rider should know about motorcycle insurance and safety tips for riding a motorcycle in Hong Kong . Today, Kwiksure will bring you five more tips on what you should consider when selecting motorcycle insurance to help you make a more educated purchase decision.