Insurance Guide

In a recent article we discussed the various statistics behind road accidents in Hong Kong. This combined with a number of high profile car crashes has raised a number of questions, especially around insurance coverage. While the chances of something going wrong on the road are generally pretty slim, drivers should be aware of how their third party or comprehensive car insurance deals with accidents. One major concern drivers often think about is whether their car insurance will protect them should they be the one at fault in the event of a car accident. To answer this question, it’s important to first explain that different types of car insurance policies handle accidents differently. To help, this week’s article by Kwiksure outlines everything you need to know about how different car insurance plans deal with accidents.

Buying car insurance, many people think of the benefits of being covered for damage and injury resulting from a car crash. However, things can happen to your vehicle even when you’re not driving it. Vandalism, break-ins, property theft, and accidental damage; these can all cause significant and expensive damage or loss to a vehicle or other property, leaving many wondering: Will my insurance cover this? This week, Kwiksure looks at the type of non-driving dangers that can happen to your vehicle and discusses what car insurance can do.

In a recent article, we took a look at car safety ratings and their impact on insurance. Truth be told, in many cases when people start looking for a new car, especially those with a family, the vehicle's safety will be among the most important things considered. In recent years we have seen smart technologies employed in cars with increasing frequency, especially when it comes to safety. Here we take a look at the most commonly requested car safety tech features, and the impact they might have on the cost of car insurance in Hong Kong.

What started out as yet another mid-August typhoon, Typhoon Hato quickly intensified in strength as it barreled down on Hong Kong, unleashing hurricane force winds and rain, prompting the city to raise its first T10 warning in 5 years. As the typhoon raged, videos and reports of damage to homes and property were quick to come in with the SCMP reporting that there could be upwards of HKD 8 billion in losses. This typhoon and the damage it caused has certainly led to many people in the city wondering whether home insurance will cover damage from storms like this. Here, we aim to take a look at what you need to know about home insurance and how it covers damage from typhoons and other major storms.

If there’s something that reignites the classic gender debate, it’s the question over who are better drivers. It can be a bit tongue-in-cheek, a little irrational, and sometimes even a heated discussion, but it’s something that many organizations and industry bodies have considered. This week, Kwiksure takes a look at what studies have said about female drivers over the years, and finds some trends that have remained constant over time.

Any driver in Hong Kong should be aware of the legislation governing traffic offences, so that they don’t risk putting their safety or the safety of other drivers and pedestrians in jeopardy. From dangerous driving, driving under the influence, to driving without third party auto insurance, today we look at what Hong Kong legislation has to say about the most common traffic offences in Hong Kong.

So, you've bought a new car. That's great, you are one step closer to the freedom owning a car can bring to people in Hong Kong. That said, there is one more thing you need: insurance. In order to get you and your new car on the road quickly, and legally, you should secure at least third party insurance. To help make things as easy as possible, here are six things you can do to find the best third party car insurance plan in Hong Kong.

Looking after your car is like looking after your body; the better condition you can keep it in, the better it will treat you over time. Car maintenance is a fact of life for vehicle owners, and it can be the difference between protecting yourself, your passengers and one of your most expensive assets. Some countries mandate that drivers have their vehicles tested at regular intervals, obtaining either a certificate or warrant of fitness, but what are the rules in Hong Kong? This week, Kwiksure examines the rules of certifying a vehicle roadworthy for Hong Kong drivers and how this might affect your insurance.

Roads can be dangerous places but, as a driver, nothing makes it more unsafe than distracted driving. There are lots of reasons for losing focus on things other than your driving; other passengers, alcohol and drugs, music. However, smartphones are by far the number one reason many drivers will take their eyes off of the road and pose a safety risk to other drivers and pedestrians. This week, Kwiksure examines the laws around using mobile phones whilst driving on Hong Kong roads, as well as the impact being distracted might have on your insurance.

As we’re right in the thick of the rainy season now, it’s important for Hong Kong motorists to adjust to the conditions. Wet weather, typhoons and strong winds can all cause havoc on the roads and drivers need to take extra care to ensure they don’t cause accidents or injuries. This week, Kwiksure has some helpful rain safety tips to help you stay on the roads this wet season.

As you are most likely aware, in Hong Kong it is mandatory for all drivers and owners of vehicles to have car insurance that meets the minimum level of coverage required by law. While there are a myriad of car insurance companies and plans in the SAR that offer varied levels of coverage to suit different needs, choosing the right plan at the best value possible can be challenging. To make matters even more complicated, you will also find that there will be a wide variance in premiums, with many factors that will go into the calculation of what you will be charged for your car insurance. One such factor is your car’s engine capacity. But, what exactly is the connection between your car’s engine capacity and your insurance premiums? The answer to this question is not as straightforward as you might think, as the calculation of your premium in relation to the size of your engine involves a number of considerations. To help, this article delves into the connection between engine capacity and how car insurance premiums are calculated.

Hong Kong is a city of travelers. Whether you are a jet-setting Hong Kong local that wants to try to make your friends jealous with all of the travel photos you post online or an expat business person that’s always on the go, people in Hong Kong are seemingly always scheming where their next holiday destination will be. One thing that is not always readily apparent when you first start making travel plans, however, is whether or not you will be able to legally drive in the country you will be visiting. Here, Kwiksure provides information on how to make sure that you are always able to drive where you need to go in foreign lands.