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[P-License Car Insurance] P-License Insurance Guide – Third-Party vs. Comprehensive Coverage & Tips to Reduce Premiums

Author

Eric Lau

Created On

2025-04-01

Edited On

2026-05-19

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P-Plate / New Driver Insurance

After overcoming all the hurdles, you've finally earned your P-license (provisional driving license)! Naturally, you’d want to buy or rent a car and celebrate with friends and family. However, before hitting the road, all new drivers must take a crucial step—purchasing car insurance! Many new drivers have questions about car insurance, but don’t worry—Kwiksure is here to guide P-license holders through the essentials of car insurance.

Table of contents

P-License Car Insurance – Third-Party or Comprehensive?
How Much Does P-License Car Insurance Cost?

比較全港逾60間保險公司報價，快而保汽車保險中介為你挑選最符合你要求的車保，立即報價！

P-License Car Insurance – Third-Party or Comprehensive?

Car insurance is divided into third-party insurance and comprehensive insurance. Third-party insurance covers fewer risks than comprehensive insurance, making it the cheaper option.

Third-party insurance primarily covers injury or property damage suffered by others (not the policyholder). For example, if you accidentally hit a pedestrian while parking and need to cover their medical expenses, third-party insurance will compensate them. However, it does not cover any damage to your own car.
Comprehensive insurance, in addition to third-party coverage, also protects your vehicle against damages such as collisions, fires, theft, and vandalism. Some policies even offer extra benefits like 24/7 free towing services. If you purchase comprehensive insurance, you don’t need third-party insurance separately, as it already includes third-party coverage.

According to Hong Kong law, all vehicles on the road must have at least third-party injury and liability insurance to cover damages or injuries caused to others. P-license holders are no exception and must have at least third-party insurance.

承保電單車正式牌、學牌、P牌、外賣電單車、綿羊仔，快而保保費低至 $888，立即報價！

How Much Does P-License Car Insurance Cost?

People often say that new drivers find it hard to get insured and face high premiums—is this true? According to Ken, Kwiksure’s automotive insurance manager, most insurance companies are willing to cover drivers aged 21 or above, regardless of their P-license status. However, drivers under 21 or those insuring high-performance sports cars may be denied coverage altogether.

Regarding premiums, P-license holders and drivers under 25 are generally considered less experienced, meaning they must pay higher insurance premiums and higher deductibles when making claims. Statistics show that young or P-license drivers are more prone to accidents and traffic violations, prompting insurers to charge higher premiums to balance the risk. Ken notes that around 25% of P-license policyholders at Kwiksure have made accident claims, which is 15% higher than regular full-license holders.

Because of this, P-license insurance premiums can be 2-3 times more expensive than those for experienced drivers to offset potential compensation costs. Including deductibles, premiums can easily exceed HKD 10,000.

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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.

Author

Eric Lau

Eric is a content creator for Kwiksure, responsible for writing articles on various topics such as cars, travel, domestic helpers, etc., striving to provide readers with detailed and practical information.

With over 20 years of experience in the media industry and driving, Eric has worked for several newspapers, magazines, and online media outlets. Apart from his passion for writing, he also enjoys the pleasure that driving brings. On average, he drives over 40,000 kilometers per year.

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