[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"client-agreement":3},{"title":4,"content_html":5},"Motor Insurance Policy Client Agreement","\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\"> \u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">This Agreement is made between Kwiksure Insurance Brokers Limited (“KIB”) and the Policyholder (“I\u002FWe”), 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).\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> \u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">I\u002FWe acknowledge the following:\u003C\u002Fspan>\u003Cspan class=\"LineBreakBlob BlobObject DragDrop SCXW197631372 BCX0\">\u003Cspan class=\"SCXW197631372 BCX0\"> \u003C\u002Fspan>\u003Cbr class=\"SCXW197631372 BCX0\">\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">a. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Broker Role:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> KIB arranges insurance products and services but does not underwrite risks or represent any insurance company.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">b. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Utmost Good Faith:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> Insurance contracts require utmost good faith. I\u002FWe must disclose all relevant facts, avoid misrepresentation, and refrain from fraudulent claims. It is my\u002Four responsibility to ensure all material information is communicated to KIB.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">c. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Referrals:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"TextRun SCXW197631372 BCX0\" lang=\"EN-HK\" xml:lang=\"EN-HK\" data-contrast=\"auto\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> If \u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">I\u002Fwe has been \u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">referred by another person (“Referrer”), I\u002FWe 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.\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">d. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Communication:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> I\u002FWe should communicate directly with KIB regarding this policy. If I\u002FWe seek any \"advice\" or attempt to \"arrange\" the insurance policy through others, it is solely my\u002Four responsibility.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">e. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Charges:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> 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.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">f. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Coverage Confirmation:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> Insurance coverage is effective only upon receiving confirmation (cover note, Certificate of Insurance, or schedule).\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">g. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Commission:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> KIB receives commission from insurers for its services. My\u002FOur agreement to proceed allows KIB to receive this commission.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">h. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Document Submission:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> 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).\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">i. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Information Accuracy:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> The information provided in this application is to the best of my\u002Four knowledge true. If any information is found to be false or incomplete, the cover note may be voided, and I\u002FWe will not be able to submit a claim under the policy. In such cases, no compensation will be received.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">j. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Traffic Accident:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> \u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">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.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">k. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Contact:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">\u003Cstrong> \u003C\u002Fstrong>For any inquiries, please contact KIB at 31132112 or email \u003C\u002Fspan>\u003Ca class=\"Hyperlink SCXW197631372 BCX0\" href=\"mailto:info@kwiksure.com\" target=\"_blank\" rel=\"noreferrer noopener\">\u003Cspan class=\"TextRun Underlined SCXW197631372 BCX0\" lang=\"EN-HK\" xml:lang=\"EN-HK\" data-contrast=\"none\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\" data-ccp-charstyle=\"Hyperlink\">info\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\" data-ccp-charstyle=\"Hyperlink\">@k\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\" data-ccp-charstyle=\"Hyperlink\">wiksure\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\" data-ccp-charstyle=\"Hyperlink\">.com\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">l. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Electronic Policy:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">\u003Cstrong> \u003C\u002Fstrong>KIB will send the electronic policy (E-policy) once ready; no physical policy will be mailed.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">m. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Summary of Arrangement:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> This is only a summary of arranging motor insurance. For full terms and conditions, please visit\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> \u003C\u002Fspan>\u003Ca class=\"Hyperlink SCXW197631372 BCX0\" href=\"https:\u002F\u002Fkwiksure.com\u002Fterms-and-conditions\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\" data-ccp-charstyle=\"Hyperlink\">https:\u002F\u002Fkwiksure.com\u002Fterms-and-conditions\u002F\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">n. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Premium Payment:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> Premiums must be paid directly to KIB or the insurer. KIB may pay referral fees to the referrer.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">o. \u003C\u002Fspan>\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Chinese Version:\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> In case of any conflict between the Chinese and English versions, the English version shall prevail. \u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">如需中文版本，請訪問\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> xxxxxxxxxxxxxxxxxxxxx\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">。\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"OutlineElement Ltr SCXW197631372 BCX0\">\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan style=\"text-decoration: underline;\">\u003Cstrong>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\">Acknowledgment of Agreement:\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan class=\"NormalTextRun SCXW197631372 BCX0\"> 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.\u003C\u002Fspan>\u003Cspan class=\"EOP SCXW197631372 BCX0\" data-ccp-props=\"{"335559685":720}\"> \u003Cbr>\u003Cbr>\u003C\u002Fspan>KIB Apr 2026 (vma5)\u003C\u002Fp>\n\u003Cp class=\"Paragraph SCXW197631372 BCX0\">\u003Cspan class=\"EOP SCXW81434957 BCX8\" data-ccp-props=\"{}\">\u003Cbr>\u003Ca href=\"..\u002F\">Terms and conditions\u003C\u002Fa>\u003C\u002Fspan>\u003Cbr>\u003Cbr>\u003Cspan class=\"EOP SCXW81434957 BCX8\" data-ccp-props=\"{}\">\u003Ca href=\"..\u002Fwhatsapp-agreement\u002F\">Whatsapp agreement\u003C\u002Fa>\u003Cbr>\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>"]