Kwiksure Team

Have you ever heard stories of people suddenly becoming homeless after a disaster that struck their home? It might have happened due to fire or a hurricane or other perils that damaged the apartment and made it uninhabitable and left entire families on the streets. For all those who own or rent a house, and of course, have a home and fire insurance plan in place, making sure that their policy also includes additional living expenses cover, also called the loss of use coverage, is useful in a situation where your place is uninhabitable. Additional living expense covers not only the cost of your new temporary accommodation like a hotel but also any additional living expenses such as for food, clothes etc, while your house is being fixed. The idea of additional living expense cover is to maintain the standard of living you had before the damage of your property.

Accidents can occur at anytime on the roads. In Hong Kong, traffic accidents and statistics are recorded by the Traffic Branch Headquarters (TBH) of the Hong Kong Police Force, as well as the Transport Department . Comparatively, Hong Kong can count itself amongst the countries with the lowest accident and fatality rates. It’s still helpful, however, to understand what the accident statistics in Hong Kong tell us, and how they can help us be safer drivers.

Accidents happen. When they involve your vehicle, getting repairs done quickly can be important to reducing any disruption to your work or personal life. You buy motor insurance to help you cover the costs of repairs when you need them - but you should also know what the process is and how it works before getting your car towed to the nearest mechanic. Car insurance repairs can be a simple affair but taking the wrong step can see you lose your coverage completely, and require that you foot the bill yourself. This article by Hong Kong car insurance broker, Kwiksure, will help you better understand what happens when you need insurance to help repair your car.

To satisfy their travel cravings, many people turn to exploring unique local attractions, making car rentals for self-driving trips increasingly popular. But what should you pay attention to when embarking on a local self-drive journey? And what does the typical process look like? Today, the experts at FastInsure are here to clear up these questions for everyone.

In recent years, the electric vehicle market in Hong Kong has flourished, with high-performance, seven-seater, MPV and other types of electric vehicles coming onto the market one after another, and the prices of new vehicles have also hit new lows. Although the Hong Kong government has reduced the maximum exemption for new vehicle registration tax for electric vehicles from HK$287,500 to HK$172,500 in 2024, the upper limit of the exemption for general electric private cars has been reduced from HK$97,500 to HK$58,500, and electric vehicles with a pre-tax price of more than HK$500,000 will not receive any tax exemption. However, major car manufacturers have been less concerned and new electric vehicles continue to be launched. This time, Kwiksure has listed the 11 most anticipated electric vehicles in 2025 for everyone to plan their car replacement plan in advance.

As a car owner, washing your car is an essential task. However, in Hong Kong, washing conditions can be restrictive due to the need for a water source and space. Thus, there are many car wash services available, each using different methods such as traditional hand washing, computerized washing, contactless washing, and DIY car wash facilities. What are the differences between these methods, and what should you pay attention to when choosing? Let’s explore the features of each car washing method so you can ride a clean and shiny car under the autumn-winter breeze.

Drivers or car owners must have seen the words NCD/NCB /No Claim Discount in their car insurance documents, but how can they get this premium discount? What is the calculation method behind it? Under what circumstances can the no-claim discount not be extended? The experts at Kuaierbao will give you detailed answers on this special page.

After childbirth, new mothers need to recuperate and take care of their newborns. As a result, many families hire postnatal care helpers. Just like hiring a foreign domestic worker or a part-time helper, employers are required to purchase insurance for postnatal care helpers. So, how should one choose postnatal care insurance? What is the difference between postnatal care insurance and employee compensation insurance? Today, Kwiksure will address common questions about postnatal care insurance and compare different insurance premiums.

Countless people are rightfully concerned about the neverending climb of the health insurance premium rate. How come it increases year-on-year? Are insurers just hell-bent on making more profit? What if somewhere in every health insurance policy hides a debilitating term and condition for policyholders? These are just a few of the pressing questions when it comes to health insurance inflation. As the government rolls out the Voluntary Health Insurance Scheme (VHIS), the general public's health knowledge increases. More and more people are willing to spend money on securing a health insurance plan . Today at Kwiksure , we'll take a quick glance at 3 major reasons why premiums inflate.

Not sure where to start when it comes to choosing the right medical insurance in Hong Kong? You’ve come to the right place. In this quick guide, we’ll be comparing the Voluntary Health Insurance Scheme (VHIS) with regular health insurance. In April 2019, the Hong Kong government rolled out the VHIS with an application cut-off date of July 8th, 2020. Already, there are 29 options for the Standard Plan and over 211 options for the Flexi Plan. The choices can be staggering. So, what’s the difference between VHIS and traditional health insurance? How do you apply for tax deduction? Today at Kwiksure , we’ll give you a quick rundown to all your common VHIS questions.

In the sweltering summer, one of the most frustrating things for car owners is air conditioning (A/C) problems. The vehicle A/C system is complex, involving various components. Although the symptoms, such as insufficient cooling and unpleasant odors, are quite similar, the causes can be very different. In this article, Kwiksure will explain the principles behind car air conditioning, the six reasons why it might not be cooling effectively, and the sources of unpleasant odors.

To protect domestic workers, the law mandates employers to purchase labor insurance for them. However, labor insurance comes with limited coverage. Expenses like clinic visits for a cold or fever must be paid out of pocket by the employer. On the other hand, comprehensive insurance for domestic helpers (domestic helper insurance), offers coverage ranging from outpatient care, hospitalization, dental services, fidelity guarantee, and even third-party liability, covering both the employer and the helper.