Kwiksure Team

The issue of ‘Betterment’ How would you feel if you owned a car, was in an accident that was not your fault, and had an insurance provider offer to pay 70% of the value of the parts arguing that they actually ‘made the vehicle more valuable’? Chances are high that you probably will not be happy being stuck with a parts bill and ultimately a car with a decreased value because of the accident. While this may seem unfair, it’s a common practice of Hong Kong insurers to do exactly this. Before we explain about this practice, it would be a good idea to first establish how insurance compensation should work in the city.

'Deductible', also known as 'excess', is a pre-set amount in an insurance policy that the policyholder is required to pay to the insurer when a claim is made. For example, if the total amount of a claim is HKD $15,000, and the policy has an excess of HKD $5,000, the policyholder will then have to pay the deductible of HKD $5,000, and the remaining HKD $10,000 of the claim will be paid by the insurer. The amount of the deductible may vary with individual insurers. Deductibles vary by insurer and also by policy. Some policies have very high deductibles, while others may have no deductible at all. Generally speaking, the higher the excess, the lower the premium, and vice versa. Therefore, when comparing different car insurance plans, the excess is also an important consideration in addition to the premium. Hong Kong law does not set a minimum requirement for the sum insured for property damage, but most local insurers will provide third-party property coverage of HKD $2 million. Car insurance policies typically come with several deductibles, which may take effect depending on the situation or personal attributes of the insured when a claim is made.

Life insurance: you could say it’s a misnomer. In reality, life insurance only comes into effect upon your death, and because death is just a tad unpleasant to consider, many of us don’t think about life insurance – until it’s too late. Buy life insurance when you’re healthy and sound of mind, and you’ll be protecting yourself, your assets and your family for generations to come. Luckily, life insurance isn’t a one-size-fits-all product: you can cover yourself for the short term or the long term, you can pay a little or a lot, and most importantly, you can find a policy that both fits your budget and provides your family and yourself with everything you need. Still not convinced? Read on for the top five reasons you should consider getting life insurance.

EV’s, or electric vehicles and cars, are still an enigma to many drivers. Although a lot has been written and spoken about them in recent times, they remain something of an unknown. Because of this, not many people have made the switch from petrol or diesel cars. Yet, looking ahead, one thing is absolutely certain -- we will all be driving electric cars in the not-too-distant future. Here, we dispel some of the myths and highlight the advantages of owning an electric car.

Summer is finally here, and for most people that means just one thing: it’s finally time for some much needed rest and relaxation. Ideally, when leaving home for more than just a few days, you want to put your home in the hands of a trustworthy house sitter. It’s one of the safest ways to make sure nothing bad happens while you are away. But if finding a friend to house sit isn’t an option, here are a few important tips you should review before skipping town, to make sure your summer getaway is as stress-free as possible.

Regarded as one of the more leisurely and relaxing games that people of all ages can play and enjoy, golf is the sporting choice for many men and women around the world seeking a non-contact sport. There are numerous health and fitness benefits to playing golf, such as spending several hours walking around a course and being to the elements, however good or bad they may be. But like all sports, golf does come with a risk. Accidents and injuries can affect even the most healthiest and fittest of golfers, regardless of age and ability. With this in mind, we look at the type of accidents that occur most frequently on the golf course.

Lots of things in Hong Kong are old, but very few can be called vintage – and even fewer are in perfectly restored or preserved condition. But this autumn, the public is invited to come and feast its eyes (and stomachs and eardrums) on some of Hong Kong’s best classic cars, motorcycles, and auto-mobilia.

How to stop your car from overheating (and what to do if it does) Driving in warm weather can be wonderful; with the windows down and the radio on, a pleasant drive to the sea can be a great way to relax. What’s not relaxing, however, is hanging around by the side of the road waiting for your car to be towed because the engine has overheated. Whizzing along in the car whilst temperatures soar outside, then, is an infinitely more attractive prospect than having temperature’s soar under the hood, which can swiftly turn a casual day out into a full-blown nightmare. Check out our guide below to learn how to detect the vital signs, and thereby prevent, identify and remedy your car overheating.

Any parents who’ve purchased a car or minivan in the last decade have likely had a conversation about whether or not to get a TV in the backseat. Although having a TV in the car is not a new concept; auto televisions made their debut in 1997, but certain questions still arise today: Is it worth the price? Are they safe? Here are some of the pros and cons of having a TV in your automobile.

Enjoy hammering the throttle down the freeway and feeling the wind rush through your hair? Here are a selection of five of the best convertible cars that will help save the earth and save you money in the long run. There are few better ways to take on the highway than in a convertible. Cruising along the open road with the wind rushing through your hair and the sun in your face is an exhilarating experience unmatched by more traditional means of transportation. With increasing concern about the environmental impact of motorised transport, and the increasing costs of fuel, there has been a push towards more fuel efficient vehicles. We explore some of the best options for an eco-friendly thrill ride.

So it turns out the internet isn’t just for looking at pictures of cats (who knew?), you can also use it to diagnose your medical maladies. WebMD is one of numerous online diagnosis sites that have popped up in the last few years. If and when you’re sick, these sites allow you to list your symptoms and see what the probable causes are. This is done either by searching the symptoms directly, or clicking through diagrams of the anatomy and selecting suggestions for what your symptoms may be. Once you’ve submitted these symptoms, a list pops up of the potential ailments that the all-knowing doctor of the interweb believes may explain your symptoms. In this hi-tech, fast paced, instant gratification era that we’re all living in, sites such as WebMD are becoming increasingly popular. Let’s face it, anyone with a laptop or smartphone and a propensity for being too lazy to arrange a Dr’s appointment has used one. We’ve all woken up with a rash, or a sore throat, maybe a body part looks a bit swollen, and we can’t face the hassle of making an appointment with the doc, taking the day off work and sitting in a doctor’s office full of sickly, sneezing, potentially contagious types, only to be told we simply have a common cold or have a mild allergy to our new detergent. Instead, we whip out our smartphone and tap away explaining to WebMD what’s sore or swollen or leaking, and the internet tells us “all is ok, no appointment is necessary, go about your day as normal” or, what seems more likely on these sites “Warning! You absolutely have x,y,z and every other letter of the alphabet, death is im­minent!”. Clearly, there are reasons why self-diagnosis is not such a grand idea. Namely, we haven’t seen WebMD’s medical qualifications - where did this great wise interweb doctor do his 7 years of medical school? More importantly, if you’re self diagnosing with your laptop, there goes your chance of getting a lollipop from the nurse for being a good patient. With that in mind, we’re going to take a look at the pros and cons of using online diagnostic sites to see whether this is the way forward for healthcare or a misguided fad.

So many people in crowded Hong Kong have very little space for themselves, let alone a pet, so many opt for smaller, easier companions like fish or cats. Still, there are over 247,000 dogs living in the city and many are treated as an indispensable member of the family (or sometimes as a status symbol). Dogs are even shown to live longer in Hong Kong than in other places around the world, perhaps because of the care and attention they receive from families with fewer children than in other countries. Many families with dogs opt to live in outlying areas of Hong Kong, rather than smack in the middle of the city, in order to give their pooch room to roam. But wherever their home may be, all dogs love a change of pace and extra exercise, and that’s a great reason to visit dog-friendly areas all around Hong Kong. By seeking out these doggie hot-spots, pups get the chance to sniff something new, while their humanoid owners can enjoy exploring the city and spending time outdoors. Here are some ideas to get started on adventures with a dog in tow.