Kwiksure Team

In many parts of Asia, the motorcycle is the single most popular vehicle. Here in Hong Kong, these vehicles are quite popular, especially with delivery services and younger drivers who want to eschew the cost associated with purchasing and maintaining a car. While motorbikes are not as popular here as in other countries in Asia, statistics show that they are becoming more so. According to the Transport Department , there were 68,368 motorcycles registered in the city in 2015, up from 55,286 in 2011. With an expanding number of motorcycle retailers in the city and the increasing challenge of finding a parking spot for a full-size car, it’s a safe bet that they will be increasingly more common on the city’s roads. Regardless of whether you're thinking of getting a scooter, cruiser, or sport bike you are going to need to secure motorcycle insurance before you can hit the roads. If you are considering purchasing a new bike, there are a few things you need to be aware of when it comes to insurance.

According to the Hong Kong Fire Services, fire crews responded to 34,320 fire calls in 2015, or about 94 calls a day. These fires are most commonly attributed to accidents occurring during the preparation of food, careless handling of flammable items, and electrical faults. While building and fire codes are stringent in the city, there is still a chance that your apartment could be affected by a fire. Because so many of us stand to lose so much, it would be a good idea to mitigate losses by securing a strong fire insurance policy. In this article we look define fire insurance policies, look at the different types of fire policies available in Hong Kong, and how fire insurance premiums are set.

There is a good chance that you will be renting a car for some or all of a future holiday. If you are planning to rent a car, here is a brief guide covering things you should consider before picking your rental up.

Driving while under the influence, or a DUI, is arguably one of the most egregious acts one can commit while driving a vehicle, in the eyes of the police and car insurance agencies especially. For years, governments and police forces around the world have been striving to eradicate this problem and, for the most part, have largely been succeeding. That said, there are still people driving while under the influence. For some, it can be too tempting or easy to get in the car and drive home after having a few drinks, despite the risks. For those that do drive while under the influence, there are a number of things you should consider before doing so, including what the penalties will be and how insurers will react to a DUI.

There are a number of road rules for situations we rarely, or may never face while driving. Knowing these is important, as it could help reduce the chances of an accident while also making you a better driver. Here are five questions to test your knowledge of some of the more obscure rules of the road in Hong Kong.

Golfing accidents can be hilarious, here’s proof . But accidents can also be very serious -- and costly. And while everyone looks forward to getting out for 18 holes while the sun is shining and the weather is warm, the fact is that summer weather can be a major threat to health, and one that takes down far more golfers than a stray ball. To protect yourself against any potentially problems that could ruin your favorite pastime, consider these three important reasons you need golf insurance this summer.

If you are in an accident, the police and insurance companies will need to figure out who is at fault and who to charge. In the past, this was done by asking questions and conducting reviews of the damage and scene of the accident. Police officers would then assign blame based on the facts available. The problem with this is that officers are human and mistakes can be made. While the number of times this has actually happened is likely small, mistakes can nevertheless have an impact on drivers, especially when it comes to insurance. If you are deemed to be at fault for an accident (yet you are sure you aren't) any insurance claims submitted may be rejected, and you will likely see an increase in your premiums. Not to mention the fact that you will also likely receive demerit points on your license, which could put your ability to drive in jeopardy. This can be a tough pill to swallow. In recent years, however, there have been a number of tech devices introduced that can help reduce the chances of the wrong person being assigned blame. One such device is the dash cam. Here we take a look at these increasingly popular devices and recommend some popular ones for your consideration.

One of the major international buzzwords in 2015 was Uber. The highly divisive private car company has caused quite a stir in cities around the world, including Hong Kong. Since its launch in Hong Kong in mid-2014, it feels like the company has been near constant presence in the news. Regardless of which side of the fence you sit on regarding Uber, recent news has caused a fair amount of confusion around the legality of the service and whether car insurance will cover those who use it.

In a previous article we looked into the benefits of owning an electric car. Since that article was published there has been a number of articles posted by various news sources in Hong Kong about the topic including the introduction of Tesla's touted autopilot feature and the subsequent disabling of two key features due to safety concerns. The staff at Kwiksure were extremely interested in this feature and the future of electric cars, especially when it comes to the technology powering these vehicles. These days, the most advanced tech can be found in electric cars and while it is progressing in leaps and bounds there are still teething problems. For example, this article from The Verge highlights a potential issue facing electric cars: Buyers considering these vehicles have more things they need to be aware of than purchasing other vehicles. Because there is more to consider, we asked the electric car experts here at Kwiksure to share their knowledge on electric cars and provide advice to anyone considering purchasing an electric car.

In Hong Kong, as in almost every other city, there are many key things car owners need to know before they hit the road. Firstly, they need to have a license in order to legally operate the vehicle, and secondly, they need to secure motor insurance. The issue with the latter is that, while it is legally required, there are different types of car insurance plans available, and numerous providers in the city offering these plans. In truth, it can be a bit of a chore finding the best insurance for you. In an effort to help make the whole motor insurance process easier for people in Hong Kong, Ken Chung, Kwiksure's Motor General Manager, joined one of the city's most popular radio shows for an interview that covered a wide variety of topics around motor insurance in Hong Kong, as well as what car owners need to know.

In many countries in the west, the price of oil and gas has dropped substantially. So much so that some people have questioned whether electric cars are really all they are cracked up to be, especially due to the cost of some of the machines. That being said, there has been exciting news around electric cars introduced in the past few months, including the long awaited introduction of the stunning and super speedy Tesla X , the announcement that Volvo will start producing electric cars for release in 2019, and the impending release of the sporty Song Hybrid Electric SUV from Shenzhen-based BYD. Beyond that, Tesla owners have recently seen a feature called Autopilot turned on , which we think is possibly one of the coolest things pretty much ever. What we are trying to say here is that the electric car market is really starting to find its stride and can offer some great benefits to car owners in Hong Kong. Here are 4 of the most interesting.

In a perfect world every car that rolls off the assembly line would be a shining example of quality; riding all shiny and chrome well into the future. In reality, as an article published in Forbes points out , your car is probably not going to last much more than 250,000 miles (402,336 km), or around 10 years. Keep in mind that these figures are for vehicles with good quality ratings that have been maintained properly (e.g., the owner follows manufacturer maintenance guidelines) and have not been in an accident. Of course there are stories out there of some vehicles, especially older Toyotas and Hondas, that have reached well beyond the 400,000 km mark with some even going over 800,000 km with little to no problem, but these are few and far between. In fact, most of the stories we hear about cars revolve around poor quality. Talk to anyone who has owned more than one car and you can bet that you will eventually hear a story about a car of such poor quality that it leaves a sour taste in your mouth, like a lemon.