Kwiksure Car Insurance Benefits

Low auto insurance premium

Plans start from HK$777 with low deductibles

Wide Eligibility

Covers all license types (P-license, learner’s permit) and vehicle types–EVs, private cars, vans, sports cars, and commercial vehicles

Extensive coverage

Includes vehicle damage, third-party liability, personal injury, and property damage.

Unbiased insurance advice

We compare over 60 insurers to find the best fit for you—no bias, just value.

Flexible Add-Ons

Choose extras like:
  • Personal accident & medical coverage
  • Windshield protection
  • Hospital cash reimbursement
  • Zero-depreciation repair compensation

Additional Benefits of Kwiksure Car Insurance

New-for-Old Protection

Full compensation for total loss or theft of new cars in the first year—no depreciation.

EV-Specific Coverage

Includes internal electronics, private chargers, and charger liability.

NCD/NCB protection

Keep your NCD even after minor claims below the threshold.

Wide insurance coverage area

Protection extends to Guangdong Province and Macau.

24-hour roadside emergency assistance

Emergency towing and support anytime, anywhere.

Complex Car Insurance Case? Kwiksure Can Help!

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  • Had a claims record and no one wants to insure your car?
  • Had your license been suspended or faced DUI charges, and are you now struggling to get insurance after reinstatement?
  • No matter the situation, contact Kwiksure, and we’ll do our best to assist you!
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Why Choose Kwiksure?

Founded in 2000, Kwiksure has been established in the motor insurance industry for 20+ years, with an office exceeding 10,000 sq. ft. in East Kowloon. As a leading motor insurance broker in Hong Kong, we compare quotes for third-party and comprehensive motor insurance from over 60 insurers based on your budget, driving experience, and coverage needs, , saving you valuable time.

Motor Insurance Experience

25 years

Number of Awards

12+

Total Clients

Over 180,000

Insurer Partners

60+

Car Insurance Premium Examples

Comparison of Third-Party Insurance and Comprehensive Insurance

Coverage

Third-Party Insurance

Comprehensive Insurance

I. Basic Coverage

Vehicle Damage, Fire Insurance, and Theft Insurance
✖
✔ (Up to Vehicle Value)
Third-Party Injury or Death and Property Loss
✔
✔

II. Additional Coverage

Driver Personal Accident Insurance: Accident medical and hospitalization coverage
✖
Coverage up to HKD $200,000
Auto Repair Center of Choice
✖
✔
No-Claim Discount (NCD/NCB) Benefit Protection
✖
✔
Windshield Protection
✖
Up to HKD $5,000
Third-Party Liability Recovery Service
✖
✔
New-for-Old Compensation Protection
✖
✔
Temporary Replacement Vehicle
Free Referral
Up to HKD $5,000
24-Hour Emergency Repair Service
✖
✔
24-Hour Towing Service
✖
✔
# The above information is for reference only. The actual coverage and exclusions will be detailed in the policy fine print. Please read the policy terms and conditions carefully before purchasing insurance. In case of any discrepancies, the terms in the policy will prevail.

Comparing Comprehensive Motor Insurance from Major HK Insurers

Allianz

Allianz
安聯

AIG

AIG
美亞

Damage to third party’s property
$2 million
Death or physical injury to third party
$100 million
Loss/damage of your car
Sum Insured/car market value
Towing service & delivery after repair
$2,000
Up to 20% of the agreed cost of repair%
Medical expenses
$10,000
$2,000
Personal accident to named driver
$250,000
$200,000
NCD Protection
$100,000
$50,000 or 15% of sum insured, whichever is less
Windescreen replacement
$5,000
$4,000
New for old replacement^
Yes
Rental Car
$1,000 per day; Max 5 days
$500 per day; up to $3,500 in total
Others
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* All the above amounts are in Hong Kong dollars. The scope of coverage is for reference only and is subject to the final terms of the insurance company.

^ Applicable in case of theft or total loss due to an accident, compensation will be made with a new vehicle of the same model.

3 Steps to Secure Motor Insurance

FAQs

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What is the difference between comprehensive car insurance and third-party insurance?

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What factors affect motor insurance prices?

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Does a suspended license count toward driving experience?

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Are there special restrictions for P-license holders when buying insurance?

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How is No-Claim Discount (NCD/NCB) calculated for private cars and motorcycles?

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If the premiums are so low, will I still receive a claim payout after an accident?

Car Insurance: Comprehensive vs Third Party

Comprehensive Motor Insurance

[Car insurance 101 EP2]

Car insurance might look simple, but it’s anything but! What are the steps in making a claim? Is the insured amount also the amount of compensation? Today, car insurance expert Ken will explain three common misconceptions about comprehensive car insurance!

Third-Party Motor Insurance

[Car insurance 101 EP1]

A beginner's guide to car insurance starts with third-party insurance! Why must drivers buy car insurance? What are the different types of car insurance? How should one choose the right third-party insurance? If the car insurance isn't enough to pay the damages, can you just say sorry and call it a day? Today, car insurance expert Ken will answer all these questions!

Get a Free Car Insurance Quote Now

Whether it’s life, motor, travel, or specialty insurance, Kwiksure makes it easy to find the right protection

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