[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"motor-faqs":3,"motor-renewal-blogs":50},{"scope":4,"path":5,"categories":6,"faqs":39,"script":47},"page","\u002Fmotor-insurance\u002F",[7],{"id":8,"slug":9,"title":10,"list_order":8,"faqs":11},1,"motor-Insurance","Motor Insurance",[12,15,19,23,27,31,35],{"id":8,"question":13,"answer_html":14,"list_order":8},"What is Deductible\u002FExcess?","\u003Cp>'Deductible', also known as 'excess', is a pre-set amount in an insurance policy that the policyholder is required to pay to the insurer when a claim is made. For example, if the total amount of a claim is HKD $8,000, and the policy has an excess of HKD $2,000, the policyholder will then have to pay the deductible of HKD $2,000, and the remaining HKD 8,000 of the claim will be paid by the insurer.\u003C\u002Fp>",{"id":16,"question":17,"answer_html":18,"list_order":16},2,"What factors affect motor insurance prices?","\u003Cp>\u003Cspan style=\"color: #e03e2d;\">\u003Cstrong>\u003Cspan class=\"highlight\">Two main aspects influence motor insurance prices\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>, including but not limited to:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Driver's Profile\u003C\u002Fstrong>: Age, driving experience, occupation, NCD, driving violations and past insurance records, etc.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Insured Vehicle\u003C\u002Fstrong>: Manufacturer, model, vehicle age, type of coverage (third-party or comprehensive), horsepower, etc.\u003C\u002Fli>\n\u003C\u002Ful>",{"id":20,"question":21,"answer_html":22,"list_order":20},3,"What is the difference between comprehensive car insurance and third-party insurance?","\u003Cp>Third-party insured individuals can add extra coverage items for a small additional premium, including:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>24-Hour Driver Support Coverage\u003C\u002Fstrong>: Emergency roadside assistance, towing service, rental car costs during vehicle damage, and personal accident coverage for the insured and passengers of up to $270,000.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Windshield Protection Coverage\u003C\u002Fstrong>: Given the prevalence of highways and heavy vehicles in Hong Kong, windshields are more prone to damage from stones. Windshield protection compensates for damage to the insured vehicle's windshield due to accidents, \u003Cspan style=\"color: #e03e2d;\">\u003Cstrong>\u003Cspan class=\"highlight\">with coverage of up to $3,000 per \u003Cspan style=\"color: #e03e2d;\">accident,\u003C\u002Fspan> and no deductible!\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fli>\n\u003C\u002Ful>",{"id":24,"question":25,"answer_html":26,"list_order":24},4,"Does a suspended license count toward driving experience?","\u003Cp>Yes. Insurance companies generally consider the full duration since a license was first issued as driving experience, even if the license was suspended at some point.\u003Cbr>\u003Cbr>While insurers can't rely solely on license duration to confirm actual driving history (e.g., borrowing a friend's car or renting occasionally), \u003Cspan style=\"color: #e03e2d;\">\u003Cstrong>they assume that from the day a license is issued, the holder has driving experience.\u003C\u002Fstrong>\u003C\u002Fspan> Therefore, a suspended license still counts toward your overall driving experience.\u003C\u002Fp>",{"id":28,"question":29,"answer_html":30,"list_order":28},5,"How is No-Claim Discount (NCD\u002FNCB) calculated for private cars and motorcycles?","\u003Ctable style=\"border-collapse: collapse; width: 99.9396%; height: 308.267px;\" border=\"1\">\u003Ccolgroup>\u003Ccol style=\"width: 32.5298%;\">\u003Ccol style=\"width: 34.1941%;\">\u003Ccol style=\"width: 33.135%;\">\u003C\u002Fcolgroup>\n\u003Ctbody>\n\u003Ctr style=\"height: 90.6667px;\">\n\u003Ctd> Year\u003C\u002Ftd>\n\u003Ctd>Private Cars\u002FTaxis\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp> \u003C\u002Fp>\nMotorcycles\u002F\u003Cbr>Commercial Vehicles\n\u003Cp> \u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>1st (First Purchase)\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">0%\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">0%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>2nd\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">20%\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">10%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>3rd\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">30%\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">20%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>4th\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">40%\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">30% (maximum)\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>5th\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">50%\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">30% (maximum)\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr style=\"height: 36.2667px;\">\n\u003Ctd>6th\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">60% (maximum)\u003C\u002Ftd>\n\u003Ctd style=\"text-align: center;\">30% (maximum)\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003Cp>Note: No-Claim Discounts cannot be shared or transferred between different vehicle policy groups.\u003C\u002Fp>",{"id":32,"question":33,"answer_html":34,"list_order":32},6,"If the premiums are so low, will I still receive a claim payout after an accident?","\u003Cp>Yes. The likelihood of receiving a claim payout is \u003Cspan style=\"color: #e03e2d;\">\u003Cstrong>not directly tied to the premium amount\u003C\u002Fstrong>\u003C\u002Fspan>. What matters is whether the policy is valid and the claim meets the insurer's terms.\u003Cbr>\u003Cbr>If you have concerns about the authenticity of your policy, you can always consult the \u003Cstrong>underwriting insurance company\u003C\u002Fstrong> or the \u003Cstrong>relevant regulatory authorities.\u003C\u002Fstrong>\u003Cbr>\u003Cbr>At Kwiksure, we've built a solid reputation over 20+ years in Hong Kong's motor insurance industry. With a 10,000+ sq. ft. office in East Kowloon, we operate with transparency and integrity—clearly disclosing important clauses (like \"coverage only for named drivers\") before you purchase.\u003C\u002Fp>",{"id":36,"question":37,"answer_html":38,"list_order":36},7,"Are there any special restrictions when buying car insurance for a P-plate driver?","\u003Cp class=\"my-2 [&+p]:mt-4 [&_strong:has(+br)]:inline-block [&_strong:has(+br)]:align-top\">Besides the usual P-plate restrictions, car insurance often has an “inexperienced driver” excess for drivers with less than two years of driving experience. P-plate drivers should check this excess, not just the premium.\u003C\u002Fp>\n\u003Cp class=\"my-2 [&+p]:mt-4 [&_strong:has(+br)]:inline-block [&_strong:has(+br)]:align-top\">\u003Cspan style=\"color: #e03e2d;\">\u003Cstrong>They should also make sure they are listed on the policy, as failing to do so may breach the principle of utmost good faith and could lead to a denied claim.\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>",[40,41,42,43,44,45,46],{"id":8,"question":13,"answer_html":14,"list_order":8},{"id":16,"question":17,"answer_html":18,"list_order":16},{"id":20,"question":21,"answer_html":22,"list_order":20},{"id":24,"question":25,"answer_html":26,"list_order":24},{"id":28,"question":29,"answer_html":30,"list_order":28},{"id":32,"question":33,"answer_html":34,"list_order":32},{"id":36,"question":37,"answer_html":38,"list_order":36},{"type":48,"content":49},"application\u002Fld+json","{\"@context\":\"https:\u002F\u002Fschema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is Deductible\u002FExcess?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"'Deductible', also known as 'excess', is a pre-set amount in an insurance policy that the policyholder is required to pay to the insurer when a claim is made. For example, if the total amount of a claim is HKD $8,000, and the policy has an excess of HKD $2,000, the policyholder will then have to pay the deductible of HKD $2,000, and the remaining HKD 8,000 of the claim will be paid by the insurer.\"}},{\"@type\":\"Question\",\"name\":\"What factors affect motor insurance prices?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Two main aspects influence motor insurance prices, including but not limited to:\\n\\nDriver's Profile: Age, driving experience, occupation, NCD, driving violations and past insurance records, etc.\\nInsured Vehicle: Manufacturer, model, vehicle age, type of coverage (third-party or comprehensive), horsepower, etc.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between comprehensive car insurance and third-party insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Third-party insured individuals can add extra coverage items for a small additional premium, including:\\n\\n24-Hour Driver Support Coverage: Emergency roadside assistance, towing service, rental car costs during vehicle damage, and personal accident coverage for the insured and passengers of up to $270,000.\\nWindshield Protection Coverage: Given the prevalence of highways and heavy vehicles in Hong Kong, windshields are more prone to damage from stones. Windshield protection compensates for damage to the insured vehicle's windshield due to accidents, with coverage of up to $3,000 per accident, and no deductible!\"}},{\"@type\":\"Question\",\"name\":\"Does a suspended license count toward driving experience?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Insurance companies generally consider the full duration since a license was first issued as driving experience, even if the license was suspended at some point.While insurers can't rely solely on license duration to confirm actual driving history (e.g., borrowing a friend's car or renting occasionally), they assume that from the day a license is issued, the holder has driving experience. Therefore, a suspended license still counts toward your overall driving experience.\"}},{\"@type\":\"Question\",\"name\":\"How is No-Claim Discount (NCD\u002FNCB) calculated for private cars and motorcycles?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\" Year\\nPrivate Cars\u002FTaxis\\n\\n \\nMotorcycles\u002FCommercial Vehicles\\n \\n\\n\\n\\n1st (First Purchase)\\n0%\\n0%\\n\\n\\n2nd\\n20%\\n10%\\n\\n\\n3rd\\n30%\\n20%\\n\\n\\n4th\\n40%\\n30% (maximum)\\n\\n\\n5th\\n50%\\n30% (maximum)\\n\\n\\n6th\\n60% (maximum)\\n30% (maximum)\\n\\n\\n\\nNote: No-Claim Discounts cannot be shared or transferred between different vehicle policy groups.\"}},{\"@type\":\"Question\",\"name\":\"If the premiums are so low, will I still receive a claim payout after an accident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The likelihood of receiving a claim payout is not directly tied to the premium amount. What matters is whether the policy is valid and the claim meets the insurer's terms.If you have concerns about the authenticity of your policy, you can always consult the underwriting insurance company or the relevant regulatory authorities.At Kwiksure, we've built a solid reputation over 20+ years in Hong Kong's motor insurance industry. With a 10,000+ sq. ft. office in East Kowloon, we operate with transparency and integrity—clearly disclosing important clauses (like \\\"coverage only for named drivers\\\") before you purchase.\"}},{\"@type\":\"Question\",\"name\":\"Are there any special restrictions when buying car insurance for a P-plate driver?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Besides the usual P-plate restrictions, car insurance often has an “inexperienced driver” excess for drivers with less than two years of driving experience. P-plate drivers should check this excess, not just the premium.\\nThey should also make sure they are listed on the policy, as failing to do so may breach the principle of utmost good faith and could lead to a denied claim.\"}}]}",[51,235],{"id":52,"is_selected":53,"seo_meta_tag":54,"slug":59,"blog_categories":60,"thumbnail":65,"title":56,"short_desc":58,"des_html":69,"further_readings":70,"blog_ads":83,"blog_sections":90,"faqs":145,"blog_contact":146,"blog_author":149,"released_at":156,"updated_at":157,"blog_tags":158,"table_of_contents":161,"related_blogs":168,"script":58},331,true,{"title":55,"og_title":56,"description":57,"og_description":58,"og_image":58},"【Third-Party vs. Comprehensive Insurance Comparison】 Comparing coverage, Premiums, and Claims","【Car Insurance 2025】 Third-Party vs. Comprehensive Insurance Comparison | Factors Affecting Premiums | Reasons for Insurance Rejection","Mandatory third-party or full comprehensive? Discover which Hong Kong car insurance fits your needs. Learn about premiums, excess fees, passenger coverage, and how to save money on your policy.",null,"car-insurance-hong-kong",[61],{"slug":62,"title":63,"color_hex":64},"car","Car","#C00000",{"id":66,"src":67,"alt":68},"9f590037-79bd-4ea1-bc09-71832f030110","\u002Fimgs\u002Fmotor-insurance-index\u002Frenewal-blogs\u002Fcomprehensive_car_400x140_2.webp","汽車保險2025 l 三保與全保比較｜影響保費因素 | 車保拒保原因","\u003Cp>As a car owner, car insurance is an essential expense. But how should you choose the right policy? What are the differences between third-party insurance and comprehensive insurance? How do insurance companies determine premiums? This time, Kwiksure will provide a detailed explanation of the coverage of third-party and comprehensive insurance, the factors affecting premiums, and the reasons for insurance rejection, helping you select the right car insurance plan.\u003C\u002Fp>",[71,74,77,80],{"slug":72,"title":73},"motorcycle-insurance-hong-kong","【Motorcycle Insurance 2025】The difference between triple insurance and full insurance｜Premium reference for learner license and P license｜7 factors affecting premium",{"slug":75,"title":76},"car-accident-tavas-scheme","[Driver's Award] Compensation for Traffic Accident Injuries and Fatalities to Passengers and Pedestrians | Eligibility | Calculation Method of Subsidy Amount",{"slug":78,"title":79},"probationary-driver-insurance-tips","How P license drivers should look for the right car insurance plan",{"slug":81,"title":82},"third-party-comprehensive-car-insurance-accident","Third party vs comprehensive car insurance: What happens when there’s an accident?",[84],{"thumbnail":85,"path":89},{"id":86,"src":87,"alt":88},"9f2ac83e-56af-45b8-88a6-6c625739d723","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FCTA%20banner%20-%20Motor%202.jpg","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！","https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fquote\u002Fmotor-details\u002F?type=MOTOR_CC",[91,102,114,122,130,138],{"id":92,"title":93,"content_html":94,"further_readings":95,"blog_ads":96},4245,"What is Third-Party Liability Insurance (TPL)?","\u003Cp>According to Section 4 of the \u003Cstrong data-start=\"697\" data-end=\"766\">Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272)\u003C\u002Fstrong>, all car owners must purchase \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fcar-insurance-hong-kong\u002F\">third-party insurance (TPL)\u003C\u002Fa>. This coverage includes \u003Cstrong data-start=\"849\" data-end=\"892\">\"third-party injury or death liability\"\u003C\u002Fstrong> and \u003Cstrong data-start=\"897\" data-end=\"930\">\"third-party property damage\"\u003C\u002Fstrong>, protecting the policyholder from legal liabilities in the event of an accident causing injury or death to third parties. The minimum statutory coverage amount is \u003Cstrong data-start=\"1094\" data-end=\"1113\">HKD 100 million\u003C\u002Fstrong>.\u003C\u002Fp>",[],[97],{"id":98,"thumbnails":99,"path":89},12,{"id":100,"src":101,"alt":88},"9f2c6760-6add-4243-a2e4-e2a9b0167859","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002F2022_Kwiksure_BannerA-Chi.gif",{"id":103,"title":104,"content_html":105,"further_readings":106,"blog_ads":107},4251,"Frequently Asked Questions","\u003Cp>\u003Cstrong data-start=\"1245\" data-end=\"1286\">What are the differences between third-party insurance and comprehensive insurance?\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul data-start=\"1243\" data-end=\"1556\">\n\u003Cli data-start=\"1243\" data-end=\"1395\">\n\u003Cp data-start=\"1245\" data-end=\"1395\">\u003Cstrong data-start=\"1245\" data-end=\"1286\">Third-Party Liability Insurance (TPL)\u003C\u002Fstrong> covers the policyholder’s legal liability for injury or death to third parties resulting from an accident.\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli data-start=\"1396\" data-end=\"1556\">\u003Cstrong data-start=\"1398\" data-end=\"1441\">Comprehensive Insurance (Full Coverage)\u003C\u002Fstrong>includes all the coverage of TPL while also providing compensation for damage to the policyholder’s own vehicle.\u003C\u002Fli>\n\u003C\u002Ful>",[],[108],{"id":16,"thumbnails":109,"path":113},{"id":110,"src":111,"alt":112},"9f2ac062-a4dc-4c76-8c57-9e61816ec073","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002F600x180_ZHMBQFS_CN.gif","經快而保買獨立交強險／商業險，出單快捷方便，符合內地需求！","https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fquote\u002Fhzmb-details\u002F",{"id":115,"title":116,"content_html":117,"further_readings":118,"blog_ads":119},4253,"Car Insurance Comparison | Coverage of Third-Party vs. Comprehensive Insurance","\u003Cp>Since \u003Cstrong data-start=\"1649\" data-end=\"1674\">third-party insurance\u003C\u002Fstrong> only covers injury, death, or property damage to third parties, car owners must bear the full cost of vehicle repairs if they are involved in an accident. As a result, many car owners opt for \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fcar-insurance-hong-kong\u002F\">\u003Cstrong data-start=\"1867\" data-end=\"1894\">comprehensive insurance\u003C\u002Fstrong>\u003C\u002Fa>, which offers broader protection, including coverage for their own vehicle.\u003C\u002Fp>\n\u003Cdiv>\n\u003Ctable>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd> \u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">\u003Cstrong>Third-Party Liability Insurance (TPL)\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">\u003Cstrong>Comprehensive Insurance (Full Coverage)\u003C\u002Fstrong>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd colspan=\"3\">\n\u003Cp dir=\"ltr\">Basic Coverage\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Vehicle damage, fire, and theft\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Third-party injury\u002Fdeath & property damage\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd colspan=\"3\">\n\u003Cp dir=\"ltr\">Additional Coverage\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Personal accident & medical expenses for driver\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Choice of repair center\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">\u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fmotor-insurance\u002Fno-claims-discount\u002F\">No Claim Discount (NCD)\u003C\u002Fa>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Windshield coverage\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Third-party legal assistance\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">\"New-for-old\" vehicle replacement\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Temporary replacement car service\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Free referral service\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">24-hour emergency roadside assistance\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">24-hour towing service\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">X\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">✓\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003C\u002Fdiv>\n\u003Cp> \u003C\u002Fp>",[],[120],{"id":16,"thumbnails":121,"path":113},{"id":110,"src":111,"alt":112},{"id":123,"title":124,"content_html":125,"further_readings":126,"blog_ads":127},4255,"Factors Affecting Premiums","\u003Cp>\u003Cimg src=\"https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002Fhong-kong-417943_1280.webp\" alt=\"【汽車保險2024】三保與全保比較｜影響保費因素 | 車保拒保原因\" width=\"600\" height=\"400\">\u003C\u002Fp>\n\u003Ch4 data-start=\"2787\" data-end=\"2834\">1. \u003Cstrong data-start=\"2795\" data-end=\"2832\">Driver’s Age & Driving Experience\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"2835\" data-end=\"3021\">Young or inexperienced drivers are considered \u003Cstrong data-start=\"2881\" data-end=\"2896\">higher risk\u003C\u002Fstrong> due to a greater likelihood of accidents. As a result, insurers charge \u003Cstrong data-start=\"2968\" data-end=\"2987\">higher premiums\u003C\u002Fstrong> and may impose \u003Cstrong data-start=\"3003\" data-end=\"3018\">deductibles\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Ch4 data-start=\"3023\" data-end=\"3048\">2. \u003Cstrong data-start=\"3031\" data-end=\"3046\">Vehicle Age\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"3049\" data-end=\"3200\">Older vehicles are generally \u003Cstrong data-start=\"3078\" data-end=\"3095\">less reliable\u003C\u002Fstrong> and involve \u003Cstrong data-start=\"3108\" data-end=\"3123\">higher risk\u003C\u002Fstrong>. Insurers typically \u003Cstrong data-start=\"3144\" data-end=\"3162\">add surcharges\u003C\u002Fstrong> for vehicles over \u003Cstrong data-start=\"3181\" data-end=\"3197\">10 years old\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Ch4 data-start=\"3202\" data-end=\"3236\">3. \u003Cstrong data-start=\"3210\" data-end=\"3234\">Vehicle Market Value\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"3237\" data-end=\"3509\">For \u003Cstrong data-start=\"3241\" data-end=\"3268\">comprehensive insurance\u003C\u002Fstrong>, compensation is based on the car’s \u003Cstrong data-start=\"3305\" data-end=\"3321\">market value\u003C\u002Fstrong>. Higher-value cars \u003Cstrong data-start=\"3341\" data-end=\"3371\">increase insurer liability\u003C\u002Fstrong>, leading to \u003Cstrong data-start=\"3384\" data-end=\"3403\">higher premiums\u003C\u002Fstrong>. Luxury sports cars or vehicles requiring \u003Cstrong data-start=\"3446\" data-end=\"3464\">imported parts\u003C\u002Fstrong> tend to have \u003Cstrong data-start=\"3478\" data-end=\"3506\">more expensive insurance\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Ch4 data-start=\"3511\" data-end=\"3544\">4. \u003Cstrong data-start=\"3519\" data-end=\"3542\">Vehicle Performance\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"3545\" data-end=\"3690\">High-performance cars with \u003Cstrong data-start=\"3572\" data-end=\"3606\">greater engine power and speed\u003C\u002Fstrong> pose a \u003Cstrong data-start=\"3614\" data-end=\"3638\">higher accident risk\u003C\u002Fstrong>, making \u003Cstrong data-start=\"3647\" data-end=\"3687\">third-party insurance more expensive\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Ch4 data-start=\"3692\" data-end=\"3725\">5. \u003Cstrong data-start=\"3700\" data-end=\"3723\">Driver’s Occupation\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"3726\" data-end=\"3933\">Certain professions, such as \u003Cstrong data-start=\"3755\" data-end=\"3779\">construction workers\u003C\u002Fstrong>, frequently \u003Cstrong data-start=\"3792\" data-end=\"3846\">drive into high-risk areas like construction sites\u003C\u002Fstrong>, leading to \u003Cstrong data-start=\"3859\" data-end=\"3878\">higher premiums\u003C\u002Fstrong> or \u003Cstrong data-start=\"3882\" data-end=\"3903\">policy conditions\u003C\u002Fstrong> compared to office workers.\u003C\u002Fp>\n\u003Ch4 data-start=\"3935\" data-end=\"3960\">6. \u003Cstrong data-start=\"3943\" data-end=\"3958\">Deductibles\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"3961\" data-end=\"4138\">A \u003Cstrong data-start=\"3963\" data-end=\"3977\">deductible\u003C\u002Fstrong> is the amount the policyholder must pay before the insurer covers the remaining claim. Policies with \u003Cstrong data-start=\"4079\" data-end=\"4101\">higher deductibles\u003C\u002Fstrong> generally have \u003Cstrong data-start=\"4117\" data-end=\"4135\">lower premiums\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Ch4 data-start=\"4140\" data-end=\"4194\">7. \u003Cstrong data-start=\"4148\" data-end=\"4192\">Claims History & No Claim Discount (NCD)\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp data-start=\"4195\" data-end=\"4335\">Insurers \u003Cstrong data-start=\"4204\" data-end=\"4262\">review a driver’s claims and traffic violation history\u003C\u002Fstrong> when determining premiums. A clean record leads to \u003Cstrong data-start=\"4314\" data-end=\"4332\">lower premiums\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp data-start=\"4337\" data-end=\"4475\">The \u003Cstrong data-start=\"4341\" data-end=\"4368\">No Claim Discount (NCD)\u003C\u002Fstrong> rewards drivers who make \u003Cstrong data-start=\"4394\" data-end=\"4432\">no claims during the policy period\u003C\u002Fstrong> with a \u003Cstrong data-start=\"4440\" data-end=\"4472\">progressive premium discount\u003C\u002Fstrong>:\u003C\u002Fp>\n\u003Cdiv>\n\u003Ctable>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">Policy Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">NCD Discount\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">1st Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">0%\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">2nd Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">20% (80% of premium)\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">3rd Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">30% (70% of premium)\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">4th Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">40% (60% of premium)\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">5th Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">50% (50% of premium)\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\n\u003Cp dir=\"ltr\">6th Year\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp dir=\"ltr\">60% (40% of premium)\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003C\u002Fdiv>\n\u003Cp> \u003C\u002Fp>",[],[128],{"id":16,"thumbnails":129,"path":113},{"id":110,"src":111,"alt":112},{"id":131,"title":132,"content_html":133,"further_readings":134,"blog_ads":135},4257,"Difficult Car Insurance Cases | Can Car Insurance Be Denied?","\u003Cp data-start=\"72\" data-end=\"520\">Insurance companies assess each driver's individual circumstances when determining coverage and premiums. If an applicant has a poor driving record or multiple claims history, they may be \u003Cstrong data-start=\"260\" data-end=\"279\">denied coverage\u003C\u002Fstrong>. Some insurers also \u003Cstrong data-start=\"300\" data-end=\"324\">reject young drivers\u003C\u002Fstrong> or those with \u003Cstrong data-start=\"339\" data-end=\"384\">less than two years of driving experience\u003C\u002Fstrong> to minimize risks. In such cases, even if coverage is granted, the policyholder may face \u003Cstrong data-start=\"474\" data-end=\"517\">extremely high premiums and deductibles\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp data-start=\"522\" data-end=\"765\">If a driver has been \u003Cstrong data-start=\"543\" data-end=\"573\">previously denied coverage\u003C\u002Fstrong> or had their \u003Cstrong data-start=\"587\" data-end=\"606\">policy canceled\u003C\u002Fstrong>, it may be \u003Cstrong data-start=\"618\" data-end=\"655\">difficult to find another insurer\u003C\u002Fstrong>. To avoid this, drivers should \u003Cstrong data-start=\"687\" data-end=\"722\">maintain a clean driving record\u003C\u002Fstrong> by staying alert and avoiding accidents.\u003C\u002Fp>\n\u003Cp data-start=\"767\" data-end=\"1100\">For \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fprobationary-driver\u002F\">\u003Cstrong data-start=\"771\" data-end=\"796\">young P-plate drivers\u003C\u002Fstrong>\u003C\u002Fa>, a good strategy is to start with \u003Cstrong data-start=\"831\" data-end=\"856\">third-party insurance\u003C\u002Fstrong> and switch to \u003Cstrong data-start=\"871\" data-end=\"897\">comprehensive coverage\u003C\u002Fstrong> after holding a full license for \u003Cstrong data-start=\"931\" data-end=\"944\">two years\u003C\u002Fstrong> to save on premiums. Alternatively, they can be added as a \u003Cstrong data-start=\"1004\" data-end=\"1020\">named driver\u003C\u002Fstrong> under a more \u003Cstrong data-start=\"1034\" data-end=\"1065\">experienced driver's policy\u003C\u002Fstrong> (e.g., parents) to reduce costs.\u003C\u002Fp>",[],[136],{"id":16,"thumbnails":137,"path":113},{"id":110,"src":111,"alt":112},{"id":139,"title":104,"content_html":140,"further_readings":141,"blog_ads":142},4259,"\u003Ch3 data-start=\"1140\" data-end=\"1189\">\u003Cstrong data-start=\"1145\" data-end=\"1187\">How to Choose the Right Car Insurance?\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp data-start=\"1190\" data-end=\"1339\">Besides considering \u003Cstrong data-start=\"1210\" data-end=\"1227\">premium costs\u003C\u002Fstrong>, policyholders should compare \u003Cstrong data-start=\"1258\" data-end=\"1293\">coverage options and exclusions\u003C\u002Fstrong> to find a plan that best suits their needs.\u003C\u002Fp>\n\u003Cul data-start=\"1341\" data-end=\"1544\" data-is-last-node=\"\" data-is-only-node=\"\">\n\u003Cli data-start=\"1341\" data-end=\"1448\">\n\u003Cp data-start=\"1343\" data-end=\"1448\">Request \u003Cstrong data-start=\"1351\" data-end=\"1386\">quotes from different providers\u003C\u002Fstrong> and compare them to find the \u003Cstrong data-start=\"1416\" data-end=\"1445\">best value-for-money plan\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli data-start=\"1449\" data-end=\"1544\">\n\u003Cp data-start=\"1451\" data-end=\"1544\">Consult a \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">\u003Cstrong data-start=\"1461\" data-end=\"1495\">reputable car insurance broker\u003C\u002Fstrong>\u003C\u002Fa> for \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fquote\u002Fmotor-details\u002F\">\u003Cstrong data-start=\"1500\" data-end=\"1525\">free insurance quotes\u003C\u002Fstrong>\u003C\u002Fa> and expert advice.\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>",[],[143],{"id":98,"thumbnails":144,"path":89},{"id":100,"src":101,"alt":88},[],{"title":147,"des_html":148},"Contact Kwiksure to get motor insurance quotes","\u003Cp>Kwiksure has over 20 years of experience in the \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fmotor-insurance\u002F\">car insurance\u003C\u002Fa> industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a \u003Cstrong>\u003Cspan style=\"color: #e03e2d;\">\u003Ca style=\"color: #e03e2d;\" href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fquote\u002Fmotor-details\u002F?type=MOTOR_CC\">free car insurance quote\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fstrong>!\u003C\u002Fp>",{"id":24,"slug":150,"avatar":151,"display_name":154,"des_html":155},"cassidy-wong",{"id":152,"src":153,"alt":154},"9f3a493b-3067-4a94-acac-9bda60da41b2","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FCassidy%20Wong.png","Cassidy Wong","\u003Cp>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.\u003C\u002Fp>","2024-09-09 08:00:00","2026-08-05T15:40:13.000000Z",[159],{"id":98,"title":160},"Insurance",[162,163,164,165,166,167],{"id":92,"title":93},{"id":103,"title":104},{"id":115,"title":116},{"id":123,"title":124},{"id":131,"title":132},{"id":139,"title":104},[169,180,191,202,213,224],{"released_at":170,"slug":171,"thumbnail":172,"title":176,"short_desc":58,"des_html":177,"blog_categories":178},"2026-07-30 10:21:50","subaru-buying-guide",{"id":173,"src":174,"alt":175},"a2617662-403e-4f7d-81bb-f9c559478960","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS%20thumbnail%20design%20-%2020260730%20-%20Subaru.webp","【富士Subaru最新香港價錢】富士Subaru全線車款 - 型號性能及香港售價比較","[Latest Subaru Hong Kong Prices] Subaru Full Lineup - Model Performance and Hong Kong Price Comparison","\u003Cp>Over the years, Subaru has won a lot of support with its excellent handling performance. In recent years, in addition to petrol vehicles, it has also actively introduced electric vehicles, and even two-door sports cars, which are becoming increasingly rare in Hong Kong's car market. This time, \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">Kwiksure\u003C\u002Fa> will analyze the characteristics of various Subaru models one by one, as well as how they differ when compared with competitors in the same class.\u003C\u002Fp>",[179],{"slug":62,"title":63,"color_hex":64},{"released_at":181,"slug":182,"thumbnail":183,"title":187,"short_desc":58,"des_html":188,"blog_categories":189},"2026-06-23 15:21:03","aig-car-insurance",{"id":184,"src":185,"alt":186},"a2170fb4-9130-4091-a50d-10d541c6ebc2","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS%20thumbnail%20design%20-%2020260623%20-%20AIG.webp","【AIG 美亞車保好唔好】汽車保險2026評測 | 保障範圍及特色比較","[Is AIG Car Insurance Good?] Car Insurance 2026 Review |Coverage and Features Comparison","\u003Cp>Each insurance company offers different types of \u003Ca href=\"https:\u002F\u002Fkwiksure.com\u002Fzh\u002Fmotor-insurance\u002F\" target=\"_blank\" rel=\"noopener\">car insurance\u003C\u002Fa> coverage — so which one should you choose? \u003Ca href=\"https:\u002F\u002Fkwiksure.com\u002Fzh\u002F\" target=\"_blank\" rel=\"noopener\">Kwiksure\u003C\u002Fa> takes you through a detailed look at AIG’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of \u003Ca href=\"https:\u002F\u002Fwww.aig.com.hk\u002Fzh\u002Fpersonal\" target=\"_blank\" rel=\"noopener\">AIG car insurance\u003C\u002Fa> to help you find the most suitable policy.\u003C\u002Fp>",[190],{"slug":62,"title":63,"color_hex":64},{"released_at":192,"slug":193,"thumbnail":194,"title":198,"short_desc":58,"des_html":199,"blog_categories":200},"2026-06-22 19:00:13","car-waxing",{"id":195,"src":196,"alt":197},"a21ca4c3-755d-46dd-b49a-b2af99f52909","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS%20Thumbnail_car-waxing_v2%20%281%29.webp","KS Thumbnail_car-waxing","Complete Guide to Car Waxing: Costs, Types Analysis, and Recommendations","\u003Cp dir=\"ltr\">For car enthusiasts, it’s only natural to want their vehicle to maintain a glossy and polished appearance at all times. However, Hong Kong’s complex environment—such as exhaust fumes, high temperatures, and rain—can gradually cause the car’s surface to become dull without you even noticing. If not properly maintained and protected in time, this can lead to irreversible damage to the car’s paint.\u003C\u002Fp>\n\u003Cp dir=\"ltr\">To protect the paintwork, car waxing is one of the most cost-effective solutions. However, there is a wide variety of car wax products on the market, with prices ranging from just over a hundred dollars for DIY options to several thousand dollars at professional auto detailing shops. So, how should you choose?\u003C\u002Fp>\n\u003Cp dir=\"ltr\">What are the differences between traditional waxing and \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fcar-beauty-hong-kong-2021\u002F\">ceramic coating\u003C\u002Fa>, which has become increasingly popular in recent years?\u003C\u002Fp>\n\u003Cp dir=\"ltr\">This guide by \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">Kwiksure\u003C\u002Fa> will walk you through the benefits of car waxing, the different types available, price comparisons, and common questions—helping you choose the most suitable care solution for your vehicle.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",[201],{"slug":62,"title":63,"color_hex":64},{"released_at":203,"slug":204,"thumbnail":205,"title":209,"short_desc":58,"des_html":210,"blog_categories":211},"2026-06-16 09:06:51","phev-plug-in-hybrid-electric-vehicle",{"id":206,"src":207,"alt":208},"a20a7c49-6136-4c18-88cf-76729c3630d3","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS_Thumbnail_PHEV%20compare.webp","【邊部PHEV插電混能好】2026香港PHEV車型盤點｜優缺點分析｜保養及使用注意事項","【Which PHEV Plug-in Hybrid is Good】2026 Hong Kong PHEV Model Guide｜Pros & Cons Analysis｜Maintenance & Usage Precautions","\u003Cp dir=\"ltr\">The most talked-about keyword in the local automotive scene in 2026, following the \"\u003Ca href=\"https:\u002F\u002Fwww.td.gov.hk\u002Ftc\u002Fpublic_services\u002Flicences_and_permits\u002Fvehicle_first_registration\u002Fnew_frt_concessions_for_electric_vehicles_2018\u002Findex.html\">End of the One-for-One Scheme\u003C\u002Fa>\" early this year, is undoubtedly \"PHEV\"—which stands for \"Plug-in Hybrid Electric Vehicle.\" Since electric vehicle prices have skyrocketed, PHEV models, which can combat soaring fuel costs without causing range anxiety, have become the primary focus of aggressive promotion by major dealerships. This time, \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">Kwiksure\u003C\u002Fa> has compiled a list of the latest PHEV models available locally, along with key considerations for purchasing and daily use.\u003C\u002Fp>",[212],{"slug":62,"title":63,"color_hex":64},{"released_at":214,"slug":215,"thumbnail":216,"title":220,"short_desc":58,"des_html":221,"blog_categories":222},"2026-06-04 00:36:32","bank-of-china-car-insurance",{"id":217,"src":218,"alt":219},"a1feda26-a451-4004-8a28-80f84b3141fb","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS%20thumbnail%20design%20-%2020260605%20-%20BOC-%282%29.webp","中銀車保評測","【Is BOC Car Insurance Good?】A Detailed Analysis of Bank of China Motor Insurance Coverage and Features in 2026","\u003Cp>The \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fmotor-insurance\u002F\">motor insurance\u003C\u002Fa> coverage provided by each insurance company varies. How should you make the right choice? \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">Kwiksure\u003C\u002Fa> takes you for an in-depth look at the coverage and pricing of \u003Ca href=\"https:\u002F\u002Fwww.bochk.com\u002Fen\u002Finsurance\u002Ftravel\u002Fmotor.html\">Bank of China's 2026 motor insurance\u003C\u002Fa>, evaluating the pros and cons of BOC motor insurance to help you select the most suitable car insurance scheme.\u003C\u002Fp>",[223],{"slug":62,"title":63,"color_hex":64},{"released_at":225,"slug":226,"thumbnail":227,"title":231,"short_desc":58,"des_html":232,"blog_categories":233},"2026-06-01 18:55:10","hybrid-vehicle-maintenance",{"id":228,"src":229,"alt":230},"a1ec5da1-b9c3-4d75-8513-666317c0b838","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS_Thumbnail_Hybrid%20Car%20Maintenance%20Guide.webp","【混能車保養攻略】日系 vs 歐系混能車比較：原理、保養差異｜維修成本分析","【Hybrid Car Maintenance Guide】Japanese vs. European Hybrids Comparison: Principles, Maintenance Differences｜Repair Cost Analysis","\u003Cp>The end of the \"One-for-One\" replacement scheme has caused electric vehicle prices to surge, weakening their appeal. However, in the face of persistently \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fpetrol-saving-tips\u002F\">high fuel prices\u003C\u002Fa>, many car brands have recently shifted their focus to heavily promoting \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fblog\u002Fhybrid-car\u002F\">hybrid vehicles\u003C\u002Fa> instead. Whether you are preparing to purchase one or are already a hybrid owner, how do you distinguish between the different types of hybrid cars? How should you maintain a hybrid car? This time, \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002F\">Kwiksure\u003C\u002Fa> shares with you the characteristics of Japanese and European hybrids, along with a comprehensive hybrid car maintenance guide.\u003C\u002Fp>",[234],{"slug":62,"title":63,"color_hex":64},{"id":236,"is_selected":53,"seo_meta_tag":237,"slug":243,"blog_categories":244,"thumbnail":246,"title":238,"short_desc":250,"des_html":251,"further_readings":252,"blog_ads":262,"blog_sections":269,"faqs":326,"blog_contact":335,"blog_author":336,"released_at":338,"updated_at":339,"blog_tags":340,"table_of_contents":342,"related_blogs":349,"script":374},214,{"title":238,"og_title":238,"description":58,"og_description":58,"og_image":239},"【Auto Insurance Renewal】 How to Handle Expiring Coverage | Renewal Considerations｜4 Factors Affecting Premiums",{"id":240,"src":241,"alt":242},"9f22d36a-fdc2-4940-8377-ed8eeda185bb","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002Ffavicon.ico","快而保 Kwiksure","car-insurance-renewal",[245],{"slug":62,"title":63,"color_hex":64},{"id":247,"src":248,"alt":249},"9f4d8cc8-b74b-43f4-8e2c-397119f4f689","\u002Fimgs\u002Fmotor-insurance-index\u002Frenewal-blogs\u002Fthird_party_car_400x140.webp","汽車保險續保 l 車保到期如何處理 | 續保注意事項｜4 個影響保費因素","What should you prepare for renewal? Before renewing your policy, review your current coverage terms and premium, reassess your needs, and consider whether there are other plans that may offer better value and more suitable protection.","\u003Cp>Purchasing car insurance is not a one-time task; renewing your car insurance is an annual duty for all car owners. So, what should you handle and pay attention to when renewing?\u003C\u002Fp>\n\u003Cp>This time, Kwiksure has compiled \u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fmotor-insurance\u002Frenewal\u002F&sa=D&source=editors&ust=1723625979954979&usg=AOvVaw3gNu3SPcM1DgRTmgYqcjgH\" target=\"_blank\" rel=\"noopener\">car insurance renewal\u003C\u002Fa> preparation steps, factors affecting premiums, and other \u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Farticle\u002F5-insurance-renewal-tips\u002F&sa=D&source=editors&ust=1723625979955293&usg=AOvVaw0tM4REPBBER3xVdN3lad4O\" target=\"_blank\" rel=\"noopener\">useful information\u003C\u002Fa>. Before renewing, car owners should take the opportunity to review existing policy coverage and pricing, reassess their needs, and consider whether to purchase more advantageous plans.\u003C\u002Fp>",[253,256,259],{"slug":254,"title":255},"what-to-do-if-car-stolen","What If Your Vehicle Is Stolen and Models Most at Risk",{"slug":257,"title":258},"how-to-select-right-car-dash-cam","10 Dash Cam Recommendations for 2024 plus Installation Tips",{"slug":260,"title":261},"what-affects-the-cost-of-towing-service-in-hong-kong","Towing cost strategy, process, and price-affecting factors",[263],{"thumbnail":264,"path":268},{"id":265,"src":266,"alt":267},"9f2b52fc-387e-4a63-b039-02f7a3432f24","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FCTA%20banner%20-%20EV%202.jpg","快而保電動車保險 - 特低基本墊底費 $6,000","https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fquote\u002Fmotor-details\u002F?type=MOTOR_KW",[270,279,287,298,310,318],{"id":271,"title":272,"content_html":273,"further_readings":274,"blog_ads":275},2748,"Car Insurance Renewal | Importance of Renewing Your Car Insurance","\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.clic.org.hk\u002Fzh\u002Ftopics\u002Finsurance\u002Fcommon_types_of_insurance\u002Fmotor_insurance\u002Fq4&sa=D&source=editors&ust=1723625979956687&usg=AOvVaw1DU1Nd4oTXBxsd-U0Vibl5\" target=\"_blank\" rel=\"noopener\">According to Hong Kong law\u003C\u002Fa>, all vehicles driving on roads must hold valid third-party liability insurance. Violators can be fined up to HKD 10,000 and imprisoned for up to 12 months, and may have their driving license suspended for 12 to 36 months. Therefore, all car owners must successfully renew their insurance before the policy expires to avoid breaking the law by driving uninsured.\u003C\u002Fp>",[],[276],{"id":277,"thumbnails":278,"path":268},9,{"id":265,"src":266,"alt":267},{"id":280,"title":281,"content_html":282,"further_readings":283,"blog_ads":284},2750,"Car Insurance Renewal | What to Do After Receiving the Renewal Notice","\u003Cp>Generally, car insurance is valid for one year. Insurance companies usually send renewal notices to policyholders about one month before the policy expires via mail, email, or SMS. Upon receiving the notice, the policyholder should carefully review the contents, such as any changes in premium or coverage, to decide whether to renew or switch to another insurance plan.\u003C\u002Fp>\n\u003Cp>If you decide to switch to another insurance company, we also recommend that you keep the renewal notice carefully, as it contains your \u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fmotor-insurance\u002Fno-claims-discount\u002F&sa=D&source=editors&ust=1723625979957123&usg=AOvVaw1RX-XtKspXroBE3rNhAWNl\" target=\"_blank\" rel=\"noopener\">No Claim Discount (NCD)\u003C\u002Fa>, which will be useful as proof when purchasing insurance in the future.\u003C\u002Fp>\n\u003Cp>Additionally, if you are unsure of your policy expiry date or suspect your policy is about to expire but have not received a notice, you should contact your insurance company or broker for inquiry.\u003C\u002Fp>\n\u003Cp>If you want to compare coverage and premiums from other insurers, you can do so through brokers, insurance company websites, or third-party comparison platforms. You can also \u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fquote\u002Fmotor\u002Fbasic-details\u002F&sa=D&source=editors&ust=1723625979957395&usg=AOvVaw0Mh3DC7iQl71OaUz2hG7id\" target=\"_blank\" rel=\"noopener\">contact the Kwiksure professional team\u003C\u002Fa> for advice and car insurance quotations.\u003C\u002Fp>",[],[285],{"id":277,"thumbnails":286,"path":268},{"id":265,"src":266,"alt":267},{"id":288,"title":289,"content_html":290,"further_readings":291,"blog_ads":292},2752,"Car Insurance Renewal | Why Choose Kwiksure?","\u003Cp>Kwiksure is one of the largest insurance brokers in Asia, with over 20 years of experience in car insurance. It collaborates with over 60 top insurance companies, offering a wide and flexible range of coverage to select the most favorable plans according to your budget and needs. Whether it is third-party, comprehensive, or complex insurance, Kwiksure’s professional team can provide you with the ideal insurance solution.\u003C\u002Fp>",[],[293],{"id":294,"thumbnails":295,"path":89},8,{"id":296,"src":297,"alt":88},"9f2b4699-5dfa-4218-a244-0da22c9316ab","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002F2022_Kwiksure_BannerB-Chi.gif",{"id":299,"title":300,"content_html":301,"further_readings":302,"blog_ads":303},2754,"Car Insurance Renewal | Required Documents","\u003Cp>If you decide to continue with your existing policy, you only need to renew and pay the premium. If you intend to switch to another insurance plan, you need to prepare the following documents for application:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Proposal form (for non-online applications)\u003C\u002Fli>\n\u003Cli>Vehicle registration document\u003C\u002Fli>\n\u003Cli>Identity documents (Hong Kong ID card or passport) and driving licenses of the owner and all named drivers\u003C\u002Fli>\n\u003Cli>If the owner is a company, provide the company registration certificate\u003C\u002Fli>\n\u003Cli>Proof of No Claim Discount (NCD) or continuous no-accident years for the vehicle (e.g., previous policy or renewal notice)\u003C\u002Fli>\n\u003Cli>If any traffic accidents occurred in the past 3 years, provide accident reports, statements, court judgments, etc.\u003C\u002Fli>\n\u003C\u002Ful>",[],[304],{"id":32,"thumbnails":305,"path":309},{"id":306,"src":307,"alt":308},"9f2adb23-42e1-4c72-8ab1-dc158aea6a25","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FCTA%20banner%20-%20Motorcycle%201.jpg","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！","https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fquote\u002Fmotor-details\u002F?type=MOTORCYCLE",{"id":311,"title":312,"content_html":313,"further_readings":314,"blog_ads":315},2756,"Car Insurance Renewal | Factors Affecting Premiums and Important Notes","\u003Cp>\u003Cimg src=\"https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002Fcars-6863557_1280.webp\" alt=\"\" width=\"1280\" height=\"853\">\u003C\u002Fp>\n\u003Ch3>1. Claims History and Traffic Violations\u003C\u002Fh3>\n\u003Cp>Insurance companies update premiums based on your claims history and traffic violations. If you made a claim in the previous insurance year, you may face a premium loading (extra charge) upon renewal. Even without claims, insurers may adjust premiums and terms based on loss ratios and market conditions.\u003C\u002Fp>\n\u003Cp>Therefore, before agreeing to renew, inquire with your broker or insurer about changes in premiums and coverage and the reasons behind them. If you had accidents and claims, consider whether renewal premiums are significantly higher than new plans available elsewhere.\u003C\u002Fp>\n\u003Ch3>2. Additional Coverage and Sum Insured\u003C\u002Fh3>\n\u003Cp>Policyholders can purchase additional coverage, such as extended protection in Guangdong Province or adding named drivers, which will increase premiums. If you do not need these extras, adjust accordingly during renewal. Also, review whether your current comprehensive coverage can be lowered to save unnecessary premium expenses.\u003C\u002Fp>\n\u003Ch3>3. Deductibles\u002FExcess\u003C\u002Fh3>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fmotor-insurance\u002Fdeductibles-and-excess\u002F&sa=D&source=editors&ust=1723625979958516&usg=AOvVaw17u5DK49JFUzpLOr1kn9Q8\" target=\"_blank\" rel=\"noopener\">Deductible\u003C\u002Fa> is the amount the insured must pay out-of-pocket when making a claim. After deducting the deductible, the insurer pays the remaining amount according to the policy coverage and terms. Deductible amounts vary by insurer. You can compare deductible amounts and related terms when renewing.\u003C\u002Fp>\n\u003Ch3>4. No Claim Discount (NCD)\u003C\u002Fh3>\n\u003Cp>Car insurance usually has a reward mechanism: if the policyholder makes no claims during the insurance year, they can receive a \u003Ca href=\"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002Fmotor-insurance\u002Fno-claims-discount\u002F&sa=D&source=editors&ust=1723625979958835&usg=AOvVaw1ssN0nHGrEddUCAoT0DBBS\" target=\"_blank\" rel=\"noopener\">No Claim Discount\u003C\u002Fa> (NCD) on renewal. Even if switching insurers, as long as you purchase a new policy within 12 months of your old policy’s expiry or cancellation and provide proof, you can transfer your NCD to the new insurer.\u003C\u002Fp>\n\u003Ch3>Typical NCD for Private Cars:\u003C\u002Fh3>\n\u003Cdiv>\n\u003Ctable>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd>Years\u003C\u002Ftd>\n\u003Ctd>No Claim Discount\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>1st year, no claims\u003C\u002Ftd>\n\u003Ctd>20% = pay 80%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>2 consecutive years, no claims\u003C\u002Ftd>\n\u003Ctd>30% = pay 70%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>3 consecutive years, no claims\u003C\u002Ftd>\n\u003Ctd>40% = pay 60%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>4 consecutive years, no claims\u003C\u002Ftd>\n\u003Ctd>50% = pay 50%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>5 or more consecutive years, no claims\u003C\u002Ftd>\n\u003Ctd>60% = pay 40%\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003C\u002Fdiv>\n\u003Cp>NCD increases annually starting from 20% up to a maximum of 60%. If you have a certain NCD but make a claim during the policy period, your next renewal will reduce your NCD by 30% under the “discount reduction mechanism.” You should read your insurer’s NCD terms carefully to ensure you receive the proper discount.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",[],[316],{"id":294,"thumbnails":317,"path":89},{"id":296,"src":297,"alt":88},{"id":319,"title":320,"content_html":321,"further_readings":322,"blog_ads":323},2758,"Car Insurance Renewal | Post-Renewal Process","\u003Ch3>Renewing with the Original Insurer\u003C\u002Fh3>\n\u003Cp>If you renew with your original insurer, you will generally receive the official policy and certificate within about 4 weeks of the policy effective date.\u003C\u002Fp>\n\u003Ch3>Switching to a New Insurer\u003C\u002Fh3>\n\u003Cp>If you switch to another insurer, your broker or insurer will issue a temporary cover note valid for 30 days within a few days after purchase, allowing you to complete vehicle licensing and related procedures. Once all required documents are submitted, the insurer will issue the official policy and certificate within about 4 weeks.\u003C\u002Fp>",[],[324],{"id":32,"thumbnails":325,"path":309},{"id":306,"src":307,"alt":308},[327,331],{"id":328,"question":329,"ans_html":330},208,"Is car insurance mandatory if I own a car?","\u003Cp>According to Hong Kong law, all vehicles driving on roads must hold valid third-party liability insurance. Violators can be fined up to HKD 10,000 and imprisoned for up to 12 months, and may have their driving license suspended for 12 to 36 months.\u003C\u002Fp>",{"id":332,"question":333,"ans_html":334},209,"How long before expiry should I renew my car insurance?","\u003Cp>Policyholders usually receive a renewal notice about one month before the policy expires, at which time they can choose to renew with the original insurer or switch to a new insurer.\u003C\u002Fp>",{"title":147,"des_html":148},{"id":24,"slug":150,"avatar":337,"display_name":154,"des_html":155},{"id":152,"src":153,"alt":154},"2024-08-14 16:00:00","2026-08-05T18:31:44.000000Z",[341],{"id":98,"title":160},[343,344,345,346,347,348],{"id":271,"title":272},{"id":280,"title":281},{"id":288,"title":289},{"id":299,"title":300},{"id":311,"title":312},{"id":319,"title":320},[350,354,358,362,366,370],{"released_at":170,"slug":171,"thumbnail":351,"title":176,"short_desc":58,"des_html":177,"blog_categories":352},{"id":173,"src":174,"alt":175},[353],{"slug":62,"title":63,"color_hex":64},{"released_at":181,"slug":182,"thumbnail":355,"title":187,"short_desc":58,"des_html":188,"blog_categories":356},{"id":184,"src":185,"alt":186},[357],{"slug":62,"title":63,"color_hex":64},{"released_at":192,"slug":193,"thumbnail":359,"title":198,"short_desc":58,"des_html":199,"blog_categories":360},{"id":195,"src":196,"alt":197},[361],{"slug":62,"title":63,"color_hex":64},{"released_at":203,"slug":204,"thumbnail":363,"title":209,"short_desc":58,"des_html":210,"blog_categories":364},{"id":206,"src":207,"alt":208},[365],{"slug":62,"title":63,"color_hex":64},{"released_at":214,"slug":215,"thumbnail":367,"title":220,"short_desc":58,"des_html":221,"blog_categories":368},{"id":217,"src":218,"alt":219},[369],{"slug":62,"title":63,"color_hex":64},{"released_at":225,"slug":226,"thumbnail":371,"title":231,"short_desc":58,"des_html":232,"blog_categories":372},{"id":228,"src":229,"alt":230},[373],{"slug":62,"title":63,"color_hex":64},{"type":48,"content":375},"{\"@context\":\"https:\\\u002F\\\u002Fschema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is car insurance mandatory if I own a car?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"According to Hong Kong law, all vehicles driving on roads must hold valid third-party liability insurance. Violators can be fined up to HKD 10,000 and imprisoned for up to 12 months, and may have their driving license suspended for 12 to 36 months.\"}},{\"@type\":\"Question\",\"name\":\"How long before expiry should I renew my car insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Policyholders usually receive a renewal notice about one month before the policy expires, at which time they can choose to renew with the original insurer or switch to a new insurer.\"}}]}"]