Each insurance company offers different car insurance coverage, so you should choose the right one. Kwiksure takes you to a deeper understanding of Bolttech Auto Insurance Coverage and pricing in 2026: An analysis of the pros and cons of Bolttech auto insurance to help you choose the most suitable car insurance plan.
Established in 2020, Bolttech, formerly known as FWD Insurance Company Limited, is a member of the international insurtech group, Bolttech Group. Bolttech Group operates across nearly 40 markets on 4 continents and collaborates with hundreds of insurance companies and business partners, offering a wide range of products such as Car insurance, Travel insurance, Greater Bay Area Easy Travel, helperCare, and Pet insurance.
Bolttech Smart Plus Car Insurance offers discounts from time to time and provides a digital insurance experience, supporting instant online quotes, insurance purchases, and fast claims services.
Bolttech Smart Plus Third-Party Insurance Plan covers the death or bodily injury of a third party caused by an accident, as well as losses to other people's property, but does not include damage to the insured's own vehicle or medical expenses.
|
Bolttech Third-Party Insurance Coverage |
|
|
The third party dies or is injured. |
HK$100 million |
|
Third-party property loss |
HK$2 million |
Bolttech's comprehensive insurance service provides third-party liability insurance, as well as compensation for personal accidents and the insured's own vehicle. It also includes windshield and window protection. If the vehicle is stolen and not recovered within 48 hours, or if it is repaired in a garage for more than 48 hours due to an accident, a backup vehicle will be arranged for the owner. There is also no-claims discount protection and a new car trade-in protection.
Bolttech's "No Claim Discount Protection" for comprehensive auto insurance provides a safety net: as long as the claims within a year do not exceed HK$60,000 or 15% of the insured amount, the original No Claim Discount (NCD) can be retained.
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Comparison of general car insurance and Bolttech's no-claims discount coverage (private car) |
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|
No claim period |
Typical car insurance discount levels |
Bolttech Full Protection |
|
Less than a year |
0% |
0% |
|
One year |
20% |
20% |
|
For two consecutive years |
30% |
30% |
|
Three consecutive years |
40% |
40% |
|
Four consecutive years |
50% |
50% |
|
Five consecutive years or more |
60% |
60% |
|
No-claim discount protection |
HK$50,000 to HK$60,000 per year |
HK$60,000 per year or 15% of the insured amount |
*Applicable only to designated service providers
|
Third-party Insurance |
Comprehensive Insurance |
|
|
Third-party liability |
||
|
The third party dies or is injured. |
HK$100 million |
HK$100 million |
|
Third-party property loss |
HK$2 million |
HK$3 million |
|
Serve |
||
|
24-hour emergency roadside assistance |
✕ |
✓ |
|
24-hour free towing service |
✕ |
✓ (Maximum $2,000) |
|
Insured's own and vehicle accidents |
||
|
Damage to one's own car |
✕ |
Market value / insured amount |
|
Personal accident |
✕ |
HK$250,000 |
|
Medical expense reimbursement |
✕ |
✓ (Maximum $2,000) |
|
Windshield and window protection |
✕ |
HK$5,000 |
|
Additional protection for electric vehicles |
||
|
Charging station damage protection |
✕ |
✓ (Once a year, maximum $5,000) |
|
Extended Liability Coverage for Electric Vehicle Chargers |
✕ |
HK$2 million |
|
repair |
||
|
Trade-in guarantee |
✕ |
✓ (Applicable to brand new vehicles) |
|
Zero-depreciation parts repair |
✕ |
✓ |
|
Other protections |
||
|
No-claim discount protection |
✕ |
✓ |
|
Claim recovery services |
✕ |
✓ |
|
Temporary replacement vehicle |
✕ |
✓ (1,000 per day, maximum $5,000) |
For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HKD 250,000).
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,062 |
$5,933 |
|
|
$1,527 |
$3,977 |
|
|
$1,851 |
$4,776 |
|
|
$2,029 |
$3,831 |
|
|
$1,560 |
$5,210 |
|
|
$2,092 |
$5,577 |
*The above prices are for reference only as of March 4, 2026. All information is subject to the announcements of the relevant insurance companies.
For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HKD 300,000) in 2023.
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,062 |
$5,136 |
|
|
$5,470 |
$4,890 |
|
|
$1,851 |
$5,006 |
|
|
$3,429 |
$4,256 |
|
|
$1,560 |
$4,680 |
|
|
$2,092 |
$4,944 |
*The above prices are for reference only as of March 4, 2026. All information is subject to the announcements of the relevant insurance companies.
With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.
|
Insurance Company |
Self-insurance for vehicle damage |
No-claim discount protection |
Medical expense reimbursement |
Car rental/charter guarantee |
Automotive glass |
Lost car keys |
|
✓ |
$60,000 or 15% of the insured amount |
$2,000 |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident). |
Windshield ($5,000) |
✕ |
|
|
✓ |
$100,000 |
$10,000 |
$1,000 per day, maximum 5 days |
Windshield/Window ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✓ |
Free shuttle service provided |
All car windows ($3,000) |
$10,000 |
|
|
✓ |
$60,000 or 20% of the insured amount |
$4,000 |
$4,000 per accident or per coverage period (maximum $1,000 per day) |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✕ |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident) |
Windshield/Sunroof ($5,000) |
✕ |
|
|
✓ |
$50,000 or 15% of the insured amount |
$2,000 |
$500 / day |
Windshield (no change required) |
$2,000 |
*All information is subject to the announcements of the relevant insurance companies.
|
Insurance Company |
The third party dies or is injured. |
Third-party property loss |
24-hour emergency roadside assistance |
24-hour free towing |
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✓ |
Up to $2,000 |
|
|
$100 million |
$2 million |
Up to $2,000 |
Up to $2,000 |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
Free referral |
Free referral |
Bolttech’s official website provides car insurance with quick quotes. Insurance can be purchased directly online, and the insured can also submit Insurance claims directly on the website. The webpage also provides various insurance product information, Commercial products, and the latest news.
Apart from Comprehensive auto insurance and third-party liability insurance, Bolttech also provides HZMB car insurance, GBA Easy Travel, Easy HomeCare, PetCare, and Commercial insurance plans available for purchase.
To contact Bolttech, please call +852 5803 3558 during office hours or email broker.cs@bolttech.hk.
First, you need to gather the required documents and go to Bolttech’s official website to fill out the vehicle accident report form. Then email the completed form along with relevant documents to claims.hk@bolttechinsurance.com. Alternatively, you can mail your application to 9/F, 308 Des Voeux Road Central, Sheung Wan, Hong Kong. After submission, Bolttech will review and assess the application and initiate the claims process.
Bolttech's official website offers instant online quotes; simply enter your basic information to get premium details. Kwiksure also provides real-time quotes and insurance coverage.
Yes. Bolttech provides Northbound Travel for Hong Kong Vehicles ( “Unilateral recognition” Insurance). This applies only to customers of Bolttech Smart Plus Car Insurance.
To find out the latest Bolttech auto insurance offers, you can visit the Bolttech official website or contact them directly. Kwiksure can also provide you with the latest car insurance deals and compare premiums from over 60 insurance companies.
Kwiksure has over 20 years of experience in the car insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free car insurance quote!
The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
Cassidy is a content creator at Kwiksure. She mainly writes about cars and travel. She has previously worked in advertising creation and online media editing. She loves writing and is keen on discovering the latest topics. She is committed to bringing fresh, interesting and practical information to readers.
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