Kwiksure Team

Running a car in Hong Kong can be costly. It's expensive enough to buy a car on its own. Afterwards, you still have to pay for at least third-party car insurance as mandated by Hong Kong law. However, did you know that car insurance is just like any other type of insurance in that there are certain exclusion clauses? Once violated, your insurance company will not compensate you for your losses. To protect themselves from reckless, irresponsible drivers, insurers have set up these terms. This week at Kwiksure, we'll take a look at how to find insurance exclusion clauses on your policy document. We'll also run down a list of the top six most common car insurance exclusions.

Running a car in Hong Kong can be costly. It's expensive enough to buy a car on its own. Afterwards, you still have to pay for at least third-party car insurance as mandated by Hong Kong law. However, did you know that car insurance is just like any other type of insurance in that there are certain exclusion clauses? Once violated, your insurance company will not compensate you for your losses. To protect themselves from reckless, irresponsible drivers, insurers have set up these terms. This week at Kwiksure, we'll take a look at how to find insurance exclusion clauses on your policy document. We'll also run down a list of the top six most common car insurance exclusions.

As one of the top car insurance brokers in Hong Kong, Kwiksure always works to simplify different types of car insurance and coverage. Today, we'll give you a short 5-minute rundown of your insurance options as a car owner.

Effective on September 19th, China recently announced a 'Guideline for Implementing Comprehensive Reform of Car Insurance'. The new rules drastically increase the coverage limit from RMB $120,000 to RMB $200,000 RMB for China’s compulsory traffic accident liability insurance. With that said, what is traffic accident liability insurance ? Today at Kwiksure , our insurance experts will give you the lowdown on things to keep in mind when buying car insurance for China. Cross the Hong Kong-Zhuhai-Macao Bridge (HKZMB) or ports of your choice worry-free.

Whether it's in the side streets or the bicycle lanes, it's not hard to find electric scooters here in Hong Kong. Riders all love them for their convenience. Though in recent years, there have been accidents involving these electric vehicles in question. At the end of last year, two people severely injured their heads while riding an electric scooter, then passed away in the emergency ward. Are there any laws involving electric scooters in Hong Kong? Do you need to secure an insurance plan if you drive one? Today at Kwiksure , our team of experts will dive into these questions for you.

Did you know: “metal wrapped in skin” is a nickname Hong Kongers give to all motorcycles? The reason being that in a car crash, motorcyclists and their passengers are more likely to get injured. Is there truth to this nickname? If so, how do we avoid traffic accidents? Moreover, what do we do once an accident happens? Today at Kwiksure, we’ll get to the bottom of just how dangerous it is to drive motorcycles in Hong Kong.

As Hong Kongers become increasingly health-conscious, a great many people will opt for an annual health checkup. The primary reason is to understand their health condition, as well as to prevent diseases. However, depending on the body part you are screening, there could be a big difference in price and options. Today at Kwiksure, our insurance experts will explain the importance of body checkups, and what you can expect to pay at private hospitals and clinics in Hong Kong.

Every car owner in Hong Kong, and in the world in that matter, must have third party motor insurance, or third party liability insurance. This type of motor insurance provides the minimum coverage required by the Hong Kong legislation. Why is it called “third party” insurance? What does it cover and what are the exclusions and extensions to this car insurance policy? Stay with us to find out!

Driving your own vehicle always reigns supreme over walking in terms of convenience. Previously, we discussed several 'How Much Does It Cost to Own a Car in Hong Kong?' . Here, we'll give you an overview of the main expenses for motorcycle riders, as well as several tips on saving the cost of riding a motorcycle in Hong Kong. Yet, monthly expenses could still add up to a tremendous figure. While most people assume that it must be cheaper running a motorcycle than a regular automobile due to its smaller size, we question whether this really is the case? Today at Kwiksure, we'll look at the average cost of running a motorcycle in Hong Kong.

Buying a secondhand car in Hong Kong? Aside from relying on your dealer for a vehicle examination, it’s important to take a look at it yourself first. This is especially the case if you’re buying directly from a seller. If you’re purchasing from a reputable secondhand car dealer, then there’s little risk of choosing a car with pre-existing problems. Buying directly from the owner? Sometimes, you’ll run the risk of having to deal with scammers. They might sell you a car that is falling apart, previously flooded, or even illegally modified. Today at Kwiksure, we will delve into how car owners like you can examine a secondhand car to avoid buying terrible ones.

Bad driving habits can result in wide-ranging consequences. Irreparable damage to your favorite car and the loss of life are just two extreme examples. Overall, Hong Kong is a busy city with countless traffic lights, people, and cars. On top of that, you often have irritated drivers and the occasional traffic accidents . If you don’t want to be a hindrance to other drivers, you must get rid of your terrible driving habits. After all, these habits affect you, and everyone around you. Thinking of making claims? Bad driving may even ruin your streak for No Claims Discount (NCD) on motor insurance, and indirectly increases your premium! Today at Kwiksure , we’ll go over the top 7 bad driving habits that drivers tend to have in Hong Kong.

If you got injured or caught COVID-19 while working from home, will your insurance cover you? Because of the third wave of coronavirus, right now, a number of office workers are working from home (WFH). After all, crowded offices and rush hour transit are all grounds for the virus to spread. Though the number of confirmed cases is decreasing, this work arrangement will likely continue in the near future. Today at Kwiksure, we will dig deep into what your insurance plan covers while you WFH.