Motorcycles are flexible and convenient, and can easily travel through the busy streets of Hong Kong, becoming the transportation choice of more and more Hong Kong people. Kwiksure carefully selects 9 entry-level motorcycles suitable for beginners, introduces their performance and specifications, and share things to pay attention to when buying a motorcycle, so that novice riders can easily get their ideal motorcycle.
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3. Understand the terms of motorcycle insurance
Hong Kong law requires that any motorcycle on the road must be insured. There are three main types of Motorcycle Insurance, Third Party Liability Insurance (TPO), Third Party Insurance - Fire and Theft (TPFT), and Comprehensive Insurance (COMP). Riders need to understand the coverage and limitations of various insurance types, and select the appropriate protection.
P-license plate owners must strictly abide by the regulations that they cannot carry passengers, otherwise the insurance may become invalid in the event of an accident. Due to the higher risk of accidents, the premium is generally 20-30% more expensive than the regular license plate. The maximum No Claim Discount is only 30%, which is significantly different from the 60% upper limit for private cars.
If the owner is interested in modified motorcycle, you need to pay special attention to the provisions regarding modified parts in the policy terms. Legal modification does not affect the insurance validity, but any undeclared modification may cause the insurance to be invalid. Therefore, it is best to check with the insurance company before any modification.