Kwiksure Team

Hiring a foreign domestic worker or helper (maid) is affordable and often straight-forward in Hong Kong, which is why many families, single parents, or parents caring for their senior family members have live-in helpers who help with general chores and household activities. But one of the main responsibilities of being an employer of a domestic helper is that you are responsible for the safety and well-being of the helper. On top of offering the most basic cover for your domestic worker in the form of Employee Compensation (EC) insurance coverage, an employer can go beyond to provide greater cover to reduce risks by including other options, such as health insurance, income protection, dental cover, and so forth. In this article by Kwiksure , we will top-up your knowledge on Employee Compensation insurance coverage, review comprehensive coverage for helpers, and take a look at the plethora of options to help provide additional coverage.

Traveling with your furry friends can arguably one of the best memories you can have as you take them out for a big adventure. However, most public transport vehicles in Hong Kong do not allow passengers to bring their pets. That’s why a lot of pet owners will ride with their animal companions in their own cars. But the situation can also be a bit tricky if you do not plan ahead and understand the risks involved. For example, your Golden Retriever may get so excited at the back seat that it jumps up and down all the time, while your Shiba is getting carsick. In light of this, our experts at Kwiksure have curated this article to showcase some safety tips on driving with pets to ensure a safe and enjoyable trip for everyone.

Whether it’s driving through the historic Canton buildings in Wan Chai, navigating your way through the skyscrapers in Central, or cruising through the New Territories, there is nothing quite like driving in Hong Kong. As a country with one of the most beautiful cityscapes, it is no wonder why owning a sportscar is so common among expats living in one of Asia’s top financial hubs. However, owning a sports car can become more than costly in Hong Kong, especially as accidents can often occur in the city’s narrow streets. This is why you are legally required to have car insurance if you own a car in this city. In this article by Kwiksure , we will go through the 4 most important things you need to know before getting sports car insurance in Hong Kong.

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.

A traffic offense is a form of a criminal offense and, in certain cases, it can even lead to a prison sentence in Hong Kong. In today’s article by Kwiksure , we will list the most common traffic offenses that can put you in jail in Hong Kong and we will explain the penalties for each of them. Along with this article, drivers can find laws governing the traffic offenses in the Road Traffic Ordinance, Chapter 374 . Interestingly enough, four out of the 5 most common traffic offenses in Hong Kong may lead to a jail sentence. These include: dangerous driving, careless driving, driving under the influence of alcohol or drugs, and driving without auto insurance. Let’s look at the consequences of particular traffic offenses in Hong Kong in greater detail.

Given the skyrocketing prices and rents of residential real estate in Hong Kong, most homeowners will purchase a home insurance policy to protect their property and household contents. But apart from common benefits such as property damage from fire, the coverage scopes of most home insurance policies are in actuality much wider than what you may expect. In today’s Kwiksure article, we will go through 12 home insurance coverages items that you may not realize you have in your home insurance policy.

Finding the most suitable car in Hong Kong can be challenging, and part of that challenge is deciding how to pay for it. We can make that challenge easier by guiding you through two available payment options to have you work out what’s best. In today’s article by Kwiksure , we will look at 2 popular car financing options - hire purchase and leasing - for those that want to get a car in Hong Kong.

Thailand is a fantastic country globally known for its majestic beaches, and lush mountain ranges. However, it is also notoriously known for having some of the most dangerous roads in the world too. The decision to drive on your trip whether you are over for business, or simply taking a vacation isn’t one to take lightly. In today’s article by Kwiksure , we will highlight 10 safety tips that we consider important to know before you take to the roads in Thailand.

Driving in a foreign country is a new experience as a whole. Beautiful scenery, different driving etiquettes, and unique cars are among the points that make driving elsewhere exciting. You also get to soak in the culture of the location, learn how people behave on the road and how the structure of the country is set up. In this Kwiksure article, we focus on driving in Japan and guide you through how to have a great driving experience. We will focus on the reasons you should rent a car, the driving rules in Japan and how you can go about renting a car.

Due to the impacts of large-scale drone usage, such as safety and privacy issues, the Hong Kong government is working on setting regulations for flying drones, which will include insurance requirements, mandatory training, and more. According to the Civil Aviation Department’s (CAD) proposal, drones that weigh more than 250 grams require a license. What’s more, Hong Kong drone laws will require unmanned aerial vehicles to have third party insurance - with a minimum coverage limit of HK$5 million.

So you have decided to buy a new car, but have a lot of questions due to the dilemma of buying a new car vs an old car. Which one is more affordable? Which one has more value for its price? Is a brand new car really worth it? If these are the types of questions you have in your head, then you have landed on the right page. This Kwiksure article, announcing our new infographic on purchasing new versus used cars, will briefly explain the contents in our infographic, which in turn will help you make the right decision on which type of car to purchase, brand new or second-hand car.

Tesla Inc, as we know it to be, is gracefully showing the world that its dream of accelerating the world’s transition to sustainable energy is actually more realistic than ever. Embracing cutting edge battery technology but also investing in scalable clean energy, is really the tip of the iceberg for this revolutionary company. However, every dream comes partnered with nightmares, and Tesla has definitely been experiencing a few of their own lately. So, are we seeing a spiraling trend from hero to zero for Tesla in Hong Kong? Is this it for Tesla Inc? What will happen next? What is definitely more worrying, especially for our readers, is how these incidents will affect insurance premiums for car owners in Hong Kong - regardless of owning an electric vehicle (ev) or conventional vehicle. In this article, we will discuss the options of insurance for car owners , car fire scenarios, precautions to take, exclusions, and how to generally start a claim.