Motor Insurance Policy Client Agreement
This Agreement is made between Kwiksure Insurance Brokers Limited (“KIB”) and the Policyholder (“I/We”), who purchased a motor insurance policy through KIB. KIB is a licensed insurance broker registered with the Insurance Authority of Hong Kong (license number: FB1726). I/We acknowledge the following:
a. Broker Role: KIB arranges insurance products and services but does not underwrite risks or represent any insurance company.
b. Utmost Good Faith: Insurance contracts require utmost good faith. I/We must disclose all relevant facts, avoid misrepresentation, and refrain from fraudulent claims. It is my/our responsibility to ensure all material information is communicated to KIB.
c. Referrals: If I/we has been referred by another person (“Referrer”), I/We understand that the Referrer does not represent KIB and is not involved in arranging the policy. "Arranging" includes activities such as submitting applications, modifying policy details, and renewing policies. KIB is not liable for any "advice" provided by the Referrer, which encompasses guidance on claims, post-accident steps, and issues related to admitting liability.
d. Communication: I/We should communicate directly with KIB regarding this policy. If I/We seek any "advice" or attempt to "arrange" the insurance policy through others, it is solely my/our responsibility.
e. Charges: Once a cover note or policy has been issued, a minimum charge of 20% of the annual premium or HKD$1,200.00 (whichever is greater) will apply, even if coverage has not commenced.
f. Coverage Confirmation: Insurance coverage is effective only upon receiving confirmation (cover note, Certificate of Insurance, or schedule).
g. Commission: KIB receives commission from insurers for its services. My/Our agreement to proceed allows KIB to receive this commission.
h. Document Submission: Required documents must be submitted within one month of coverage to ensure the cover note's validity: (i) Signed Proposal Form, (ii) ID and Driving License for all drivers, (iii) Updated Vehicle Registration Document, (iv) No Claims Discount proof (if applicable).
i. Information Accuracy: The information provided in this application is to the best of my/our knowledge true. If any information is found to be false or incomplete, the cover note may be voided, and I/We will not be able to submit a claim under the policy. In such cases, no compensation will be received.
j. Traffic Accident: report any traffic accident within 14 days from the date of the accident in writing directly to KIB or the insurer. A late report is a breach of policy general conditions and may result in no compensation.
k. Contact: For any inquiries, please contact KIB at 31132112 or email info@kwiksure.com
l. Electronic Policy: KIB will send the electronic policy (E-policy) once ready; no physical policy will be mailed.
m. Summary of Arrangement: This is only a summary of arranging motor insurance. For full terms and conditions, please visit https://kwiksure.com/terms-and-conditions/.
n. Premium Payment: Premiums must be paid directly to KIB or the insurer. KIB may pay referral fees to the referrer.
o. Chinese Version: In case of any conflict between the Chinese and English versions, the English version shall prevail. 如需中文版本，請訪問 xxxxxxxxxxxxxxxxxxxxx。
Acknowledgment of Agreement: This Agreement will be sent to the client prior to arranging the insurance contract. KIB will proceed with the arrangement only if there are no objections from the client. By not responding or objecting to this Agreement, the client indicates acceptance of its terms.
KIB Apr 2026 (vma5)