Insurance Guide

Traffic accidents are the main cause of injury and death for travelers. According to the WHO, 10% of these accidents happen in developing countries. Hopping on cheap flights and road trips are becoming increasingly popular among Hong Kongers. As a result, we have broadened our palette for travel beyond the traditionally popular hotspots like Taiwan, Japan, Thailand, and mainland China. However, every country has a different road system, and with it, the design, construction quality, rules, and driving habits can vary tremendously. In other words, there is a risk of traffic accidents whether you are traveling by yourself or with a tour group. Today, Kwiksure will give a quick rundown on how to survive an accident while on a road trip and aboard a tour bus. Read this before you go. Learn to stay calm in the face of danger and make the right judgments to protect yourself and others.

Most Hong Kongers wonder if the insurance plans they bought here are still effective once they’ve emigrated overseas. Lately, there has been a sharp increase in emigration cases, with America, Canada and Australia as Hong Kongers’ dream destinations. However, since these countries have high requirements for skilled and investment immigration, Singapore, Taiwan and Malaysia are quickly overtaking their places in popularity. Given that moving abroad is a major life event, you must plan everything carefully. This includes doing extensive research and preparation. Thus, you must first understand your insurance options before you leave. Today, our insurance experts at Kwiksure will answer your most frequently asked questions.

In our previous article, we mentioned that many car owners in Hong Kong choose to purchase second-hand vehicles due to the high depreciation rate of new cars. Apart from the transfer procedures of ownership , purchasing motor insurance for second-hand vehicles is also not as easy as it seems. In our Kwiksure feature article today, we’ll offer a step-by-step overview of how to purchase motor insurance for used cars.

In Hong Kong, many car enthusiasts like to modify their automobiles to improve their performance and look. Vehicle modification is more common in the West such as Europe and the United States. Some drivers may add turbochargers to boost the engine, while others upgrade their suspension to adjust the height of the ride. However, the modification process will inevitably involve legal and insurance issues. Today, we will quickly take a look at what we should pay attention to when modifying vehicles in Hong Kong.

Nowadays, it’s getting more common to borrow a car. So whether you are the car owner or borrower, you should understand whether the insurance will provide coverage in case of an accident. Today, our Kwiksure experts will shed light on the key points about lending a car.

After much thought and contention between you and your partner, the final decision has come to hire a domestic helper. Now, with the nitty-gritty over with, the big challenge is to establish how you are going to do just that! With a number of options available to choose from in Hong Kong, which one is best for you, your family, and your domestic needs? In this article by Kwiksure , we will guide you through 4 credible choices and divulge which one is best for you and your family.

Many motorcycle drivers love to modify their vehicles, so much so that we see more and more altered motorbikes in Hong Kong. Everything from rear-view mirrors, to exhaust pipes and struts can be modified to make the motorbike look more flashy with higher speeds and better performance. However, did you know that according to the law in Hong Kong, for certain modifications you will need to notify the Transport Department first? Today, our experts at Kwiksure will explain how you can apply for vehicle modifications permit from the Transport Department, and whether modifying a motorbike will invalidate your insurance cover.

Winter is full-on in HK, with temperatures reaching below 10 degrees at night, making living in the non-isolated and non-centrally heated Hong Kong apartments a challenge. While we at Kwiksure know that heating your space is a must during winter months, the right safety precautions have to be in place to avoid a potentially life-threatening catastrophe. Below, we outline some of the main causes of apartment fires and ways you can prevent setting your apartment ablaze.

Hong Kong hosts one of the most spectacular harbors in the entire world, topped with a long coastline and a myriad of charming islands, and yacht clubs where boats can moor, and people can enjoy the views and the blue, clear waters of Hong Kong during long and hot summer days. Those who decide to have their own pleasure boat must register and insure their vessel before being able to enjoy it fully. Here, the team at Kwiksure presents a short guide to boat ownership and registration in Hong Kong.

Driving a car can be essential if you are traveling long distances to get from one place to another, or have kids that you need to drop off at school, five days a week. With all the chores and activities that need to be done, forgetting to drive in the correct position could yield some unwanted health problems in the long run. In this article by Kwiksure , we will provide you with some helpful steps to adopt when positioning yourself to drive in your car, and avoid all those unwanted health problems like lower back pain.

Numerous car owners periodically maintain and repair their beloved cars. However, some only focus on the car exterior, but neglect the seats that they sit on day in, day out. Whether they’re made of leather or velvet, if these seats keep coming into contact with sunlight, dust, sweat, and body oil, then they’ll harden and deteriorate. Also, the original color may fade. Want your seats to last longer, while preventing the interiors from getting moldy? You’ll need to do the occasional housekeeping. Today at Kwiksure , our car experts will share with you how to maintain and clean the two types of car seats: leather and velvet.

If you’re a new motorcycle driver, choosing the safest motorcycle to drive should be the first thing on your to-do list. Motorcycle accidents often occur due to a poor choice of motorcycle purchases made by drivers around Hong Kong. To avoid these accidents, it’s important that you buy the safest motorcycle possible. In this Kwiksure article, we’ll take you through 5 easy tips for choosing the right motorcycle that will allow you to protect yourself while also saving some money!