Benefits of Kwiksure Motorcycle Insurance

保障全面

Comprehensive Protection

Includes basic coverage such as third-party liability (coverage up to $100 million) and third-party property damage (coverage up to $750,000).

範圍廣泛

Wide Coverage

Coverage for all motorcycle types and license levels—even with past claims.

特低保費

Low Motorcycle Premiums

Premiums start as low as $888

靈活貼身個人化

Flexible and Personalized Plans

We can customize a motorcycle insurance plan based on your needs and budget.

特設「零墊底費」

Special "Zero Deductible" Feature

Motorcycle riders do not need to pay additional deductibles when claiming.

加購「意外住院現金」保障

Optional "Accident Hospital Cash" Coverage

Provides comprehensive protection for motorcycle riders with different occupations.

專業團隊提供支援

Professional Support Team

Kwiksure advisors can assist with inquiries related to insurance, claims, renewals, and other policy-related issues.

Why Choose Kwiksure?

Founded in 2000, Kwiksure has been a strong presence in the motor insurance industry for over 20 years. As a leading motor insurance broker in Hong Kong, we compare comprehensive and third-party motorcycle insurance quotes from over 60 insurers–tailored to your budget, driving experience, and coverage needs–to help you find the best plan and save valuable time.

Motor Insurance Experience

25 years

Number of Awards

12+

Total Clients

Over 180,000

Insurer Partners

60+

Should You Choose Third-Party or Comprehensive Motorcycle Insurance?

In Hong Kong, the law requires that you must be insured when riding a motorcycle. Should you choose third-party insurance or comprehensive insurance?

Third-party liability insurance is a basic requirement, but if you value your motorcycle, purchasing comprehensive insurance (full coverage) is undoubtedly a wiser choice. Comprehensive coverage includes a wider range of protections, such as third-party liability, theft, and medical expenses for accidents, alleviating worries about repair costs in case of an unfortunate incident.

Comparison of Third-party Insurance and Comprehensive Insurance Coverage

Insurance Item
Third-party injury and property damage
Loss due to traffic accidents, fire, or theft
Owner's loss due to motorcycle accident
Third-Party
✔
✖
✖
Third-Party - Fire & Theft
✔
✔
✖
Com-pre-hen-sive
✔
✔
✔

Should You Choose Third-Party or Comprehensive Motorcycle Insurance?

In Hong Kong, it’s a legal requirement to have insurance when riding a motorcycle. But should you opt for third-party coverage or comprehensive insurance?

Third-party liability insurance is the minimum requirement, but if you value your motorcycle, purchasing comprehensive insurance (full coverage) is undoubtedly a wiser choice. if offers broader protection, including third-party liability, theft, and medical expenses from accidents, helping ease concerns over costly repairs in the event of an unfortunate incident.

Can Private Car/Motorcycle NCD (No-Claim Discount) Be Used Interchangeably? How Is It Calculated?

No-claim discount (NCD) refers to the premium discount received by policyholders who have not made any claims within a specified period. The maximum NCD for motorcycles is 30% (same as for commercial vehicles), while for private cars, it's 60%. If you are purchasing a motorcycle for the first time, you will not have an NCD in the first year. Additionally, it's important to note that the NCD for motor insurance and motorcycle insurance is not transferable.
Years with No Claims
Motorcycle NCD (No-Claim Discount)
1st Year
0%
2nd Year
10%
3rd Year
20%
4th Year
30% (Maximum)
5th Year
30% (Maximum)

3 Steps to Secure Motor Insurance

FAQs

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Do I need special insurance for my motorcycle?

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Is helmet coverage included?

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