Insurance Guide

While the COVID-19 pandemic rages on, the UK pushes out the BNO (British National Overseas) visa and extends the LOTR (Leave Outside the Rules). Thus, a number of Hongkongers decided to jump the gun and moved to the UK prior to the reopening of borders. According to the Census and Statistics Department , the net outflow of people alone for last year was 39,800 people. It's no surprise that this broke the record as the highest number of people leaving Hong Kong. Britain's Home Office also recorded 34,300 BNO visa applications in the first season of 2021. Once Hong Kong reopens its borders, this emigration trend will only continue. Compared to here, the vast expanses of land in the West means that you might be in trouble without a car. That's why getting a driver's license is necessary to avoid becoming a bird without wings overseas. In this series of Kwiksure articles, we'll explore 4 of the most popular emigration destinations among HongKongers: the UK, Canada, Australia, and Taiwan. We'll shed light on the frequently asked questions, including how to exchange your foreign driving license, get a license in the UK, buy car insurance, and how to transfer your NCD/NCB.

Traffic accidents are the main cause of injury and death for travelers. According to the WHO, 10% of these accidents happen in developing countries. Hopping on cheap flights and road trips are becoming increasingly popular among Hong Kongers. As a result, we have broadened our palette for travel beyond the traditionally popular hotspots like Taiwan, Japan, Thailand, and mainland China. However, every country has a different road system, and with it, the design, construction quality, rules, and driving habits can vary tremendously. In other words, there is a risk of traffic accidents whether you are traveling by yourself or with a tour group. Today, Kwiksure will give a quick rundown on how to survive an accident while on a road trip and aboard a tour bus. Read this before you go. Learn to stay calm in the face of danger and make the right judgments to protect yourself and others.

Hong Kong hosts one of the most spectacular harbors in the entire world, topped with a long coastline and a myriad of charming islands, and yacht clubs where boats can moor, and people can enjoy the views and the blue, clear waters of Hong Kong during long and hot summer days. Those who decide to have their own pleasure boat must register and insure their vessel before being able to enjoy it fully. Here, the team at Kwiksure presents a short guide to boat ownership and registration in Hong Kong.

If you’re planning your next holiday trip and you’ve been looking around the internet to find out which countries to stay away from, you’ve probably come across a list that looks something like this. Don’t go to countries that are at war: Libya Syria Iraq Yemen Somalia South Sudan Afghanistan But honestly, are you really looking to visit these countries any time soon? To really help you truly put your travel worries to rest, our experts at Kwiksure take you through the top 10 most dangerous places to visit that you don’t know about.

Thailand is a fantastic country globally known for its majestic beaches, and lush mountain ranges. However, it is also notoriously known for having some of the most dangerous roads in the world too. The decision to drive on your trip whether you are over for business, or simply taking a vacation isn’t one to take lightly. In today’s article by Kwiksure , we will highlight 10 safety tips that we consider important to know before you take to the roads in Thailand.

Driving in a foreign country is a new experience as a whole. Beautiful scenery, different driving etiquettes, and unique cars are among the points that make driving elsewhere exciting. You also get to soak in the culture of the location, learn how people behave on the road and how the structure of the country is set up. In this Kwiksure article, we focus on driving in Japan and guide you through how to have a great driving experience. We will focus on the reasons you should rent a car, the driving rules in Japan and how you can go about renting a car.

Sulfur frost, black ice, freezing drizzle, constantly falling snow, snowdrifts, and slippery surface - these are just a few attractions that await us on the roads during the winter trip outside Hong Kong. Hong Kongers’ popular winter destinations are Korea, China, and Japan. In fact, just a few months ago, one Japanese rental car company recommended tourists not to rent a car from them from November until March if they’re not familiar with winter road conditions. They stated that there was up to a 30% increase in car accidents involving foreign tourists in Hokkaido alone during winter months. Just in time to confirm the predictions, we heard of the recent news of a tragic collision of two Hong Kong citizens in snowy Hokkaido this Christmas Day. In light of the recent events, our team at Kwiksure decided to write a short guide on how to safely drive a car in winter and what to do in case of a car accident overseas.

Like many moms-to-be, you might also be planning one last stress-free journey before baby arrives and turns your world upside down. Whether you are only flying overseas for a weekend getaway, or planning longer holidays by the beach, make sure that you have valid travel insurance in place. And while we all hope that our vacations will go smoothly, mishaps do happen and can potentially leave you with sky high medical bills, lost flights, and extra accommodation bills. According to the recent consumer research awareness initiative by Travel Insurance Explained, many clients lack the knowledge about rules and regulations regarding traveling while pregnant. Concerned about this finding, today’s Kwiksure article is aimed at answering the most common questions pregnant travelers might have.

While we Hongkongers can enjoy the convenient public transportation system here every day, it can be more challenging if we were to travel around without a car in foreign cities. Thanks to the increasing availability of cars and the advent of technologies such as global position systems and smartphones, gone are the days when we had to join tour groups and wake up at 6 am to explore a new city. Instead, it is very common nowadays to go on a self-drive tour where you can travel at your own pace and truly enjoy the sense of freedom. Nonetheless, even with help from the latest gadgets, driving in an exotic locale can still be nerve-wracking and challenging. If you haven’t secured proper insurance coverage before you get behind the wheel, your journey could end up a financial disaster. To this end, our specialists at Kwiksure have prepared this article to give you a few tips on self-drive travel and rental car insurance .

From independence to saving money, there are many reasons why hiring a car might be the best option when going on holiday. The experiences you’ve had in foreign taxis, buses, trains, and short haul air travel may ignite your desire for freedom and solitude, and also the feeling of something familiar: a car ride. Cars are available for hire in almost every country in the world, so what do you need to know about protecting yourself when driving a rental car overseas? To help, today’s KS blog post answers two questions people often ask about overseas car rentals: “Do I need travel insurance for driving in a foreign country?”, and, “Will my HK car insurance cover overseas vehicle rentals?”.

Hong Kong is a city of travelers. Whether you are a jet-setting Hong Kong local that wants to try to make your friends jealous with all of the travel photos you post online or an expat business person that’s always on the go, people in Hong Kong are seemingly always scheming where their next holiday destination will be. One thing that is not always readily apparent when you first start making travel plans, however, is whether or not you will be able to legally drive in the country you will be visiting. Here, Kwiksure provides information on how to make sure that you are always able to drive where you need to go in foreign lands.

Exercising and eating well aren’t just important for the human contingent of your family. Pets can be affected by so-called lifestyle illnesses too, and if you want your pet to live a happy, healthy life then it’s important that you include them in your efforts to improve and maintain the overall health and fitness of your family. Read on for Kwiksure’s top tips on how having a pet can actually do wonders for your own - as well as your pet’s - health, happiness and wellbeing.