Insurance Guide

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?

So you’ve finally picked the right maid candidate, and settled everything from their visa to accomodation for them. However, if you think you’ve already fulfilled your obligations as a responsible employer, think again. According to government statistics from 2016, there are around 350,000 maids in Hong Kong, which makes up approximately 3% of the local population. It is stipulated under the Employees’ Compensation Ordinance that health insurance is required for domestic helpers to protect them against the costs of injuries, accidents or illnesses during their employment. Given the huge domestic helper workforce in Hong Kong, and the subsequent business opportunities for insurers, there are a myriad of maid insurance plans on the market. Amid cut-throat competition you may be enticed to purchase the cheapest option you can find. However, cost should not be the only concern. In this week’s Kwiksure blog post, we are going to highlight the key aspects you should take into account when securing maid insurance - namely premium, coverage, waiting period, exclusions, and reimbursement process.

Here at Kwiksure , we receive inquiries about the No Claims Discount (NCD) / No Claims Bonus (NCB) every day. Indeed, it’s one of the most popular insurance benefits for drivers. However, behind the seemingly self-explanatory name, there are some finer details that even experienced drivers might not be aware of. In this post, we will spell out how the No Claims Discount works and some important, related facts for you to get a clearer picture on the subject.

After passing your driving test and finally getting your probationary driving license (P driving license), it’s only human if you want to buy or rent a car right away, and celebrate your success with family and friends. However, before you begin driving all on your own, there is one step you must take like everyone else who drives - secure car insurance! Many new drivers know very little about car insurance. But worry not; we at Kwiksure will explain all the things about car insurance that new drivers should know about.

The new Hong Kong-Zhuhai-Macau Bridge is expected to be completed this month. Set to be the world’s longest sea bridge, it links Hong Kong, Zhuhai, and Macau via 55km of raised road and undersea tunnels. What would previously had been a three hour travel time will be cut to just 30 minutes, further connecting the cities in the Pearl River Delta without impacting the busy shipping lanes of the Lindingyang channel. While people temper their excitement for the opening of the new roadway, some might be asking: how will Hong Kong’s new bridge work with my car insurance? This week, Kwiksure examines how this new superstructure might affect car coverage.

Whenever a typhoon hits, many families will put tape on their windows to prevent them from breaking. But is this effective? How do you remove the remaining traces of tape? If the window is blown out, will your home insurance cover it? Kwiksure will share the best way to apply typhoon-resistant window stickers, four tips for removing adhesive tape stains, and explain whether home insurance will cover property damage caused by typhoons.

We often hear news about cars burning up due to spontaneous combustion, especially in the hot summer. In fact, if the car is not properly maintained or the parts are damaged, the chance of the parts overheating and burning up in high temperature environment will double, and the consequences can be serious or minor. Kwiksure detailed explanation engine main causes, symptoms and side effects of overheating, emergency treatment steps and related insurance information .

Many Novice P-plate driver After getting the license plate, everyone wants to continue to improve Driving skills And accumulate road experience, but Hong Kong's road environment is complex, it is inevitable that new drivers will feel tired. Kwiksure are five driving routes with simple road conditions and light traffic suitable for novice drivers, which can help them practice Driving skills , and enjoy the beautiful scenery of Hong Kong.

If you want to enjoy a motorcycle tour in Hong Kong, besides buying a new one , renting a motorcycle is also a good option. Riders can use this opportunity to try out their favorite models, and learners can also rent a car for practice and the exam . Kwiksure will share with you the steps, costs, and precautions for renting a motorcycle, and recommend two motorcycle rental platforms to meet the needs of different riders.

When considering home insurance, many people are confused about fire and home insurance , but in fact, the coverage and applicable objects of the two are different. Kwiksure explains in detail the differences between fire insurance and home insurance to help everyone choose an insurance plan that meets their needs and ensures the safety of their homes.

Hongkong electric vehicles The market is flourishing, with mainstream models such as RVs, SUVs, and seven-seaters everywhere. If you want to be different but still want to experience the convenience and practicality of electric vehicles, there are actually many models to choose from, such as pick-up trucks, multi-purpose MPVs, and even supercars. Kwiksure will introduce these non-mainstream electric vehicles to you and let you know their characteristics, performance, equipment and prices.

The biggest fear when traveling is that you may forget to bring your luggage. No matter where you are going, whether it is a long trip or a short vacation, you need to carefully check whether you have brought all the necessary items before departure. Kwiksure compiled a super detailed packing checklist to help you pack your luggage easily, making sure you don't miss any important items and making your journey smooth and worry-free.