Insurance Guide

Even though natural disasters are rare in Hong Kong, when a typhoon hits Hong Kong, it can still cause serious property damage. A No. 8 typhoon or above, for instance, could cause anything from broken window glass to a whole window frame falling to the street. In today's Kwiksure article, we’ll examine exactly what damage caused by a typhoon is covered by home insurance .

When a typhoon hits Hong Kong, naturally most people will stay at home. Still, there may be times when you need to drive in bad weather. Many believe that if a car accident happens or if your car gets damaged by shattered glass while parked on the roadside when the No. 8 typhoon signal is in effect, your car insurer will not compensate you for your loss, but is that true? In this article, Kwiksure will examine the factors that insurers will consider when deciding whether or not to compensate, as well as the claims procedures for third-party and comprehensive car insurance.

A number of families in Hong Kong hire their helper through a foreign domestic helper agency. That said, these intermediaries can charge a hefty fee of around HKD $10,000 and more. As the market for these employment agencies expands, and information becomes even more transparent, a new option opens up. Direct hire is a good way to save up on commission fees if you have the time to spare. Today at Kwiksure , we'll compare the procedures and costs of hiring a domestic helper directly and through an agency.

Finding a metered parking space in Hong Kong is not easy. After all, the scarcity of parking spots did not happen overnight. So, the Transport Department (TD) announced that 12,000 new parking meters have been installed in phases since January 2021 - 1,500 new parking meters will cover all 18 districts of Hong Kong in the first phase. As of July 2021, a total of 4,345 new parking meters are now in service. TD predicts that it will finish replacing all parking meters with new ones by the first half of 2022. TD will also push out a mobile application named ' HKeMeter ' to complement the new meters. With this, you'll be able to pay the parking meter at a distance. Today at Kwiksure , we'll teach you how to register and use the new HKeMeter app.

It's easy to believe that you won't get hurt from a contactless sport like golf. However, like a host of other sports, if you have an incorrect posture, you might injure yourself or others around you. The Consumer Council has evaluated 12 local golf insurance plans and their coverages in 2019. Today at Kwiksure , we will compare golf insurance in Hong Kong, their coverage areas, and claim limitations.

We purchase insurance plans for humans, so why not for our furkids? Nowadays, your veterinarian bill can be even pricier than your hospital one. Nearly every treatment comes with a steep price tag. Imagine if your pet swallowed the wrong food, has skin allergies, or even - touch wood - acquired chronic illness. That said, we haven't even touched on the potential compensation for if your pet accidentally harms someone while out for a walk. As a pet owner, it's a good idea to secure the best pet insurance in Hong Kong. How handy is it and what does it cover? Today at Kwiksure , we'll answer your FAQs and compare pet insurance to find the best pet insurance in Hong Kong.

The SAR government announced on August 27th a Free Flow Tolling System (FFTS) in their Road Traffic (Toll Tags) Regulation . Expected to be rolled out halfway through 2022, drivers will only need to affix a vehicle-specific toll tag on their windshield to be able to pay the tunnel toll. Simply put, with this, non-stop toll payment is possible at government toll tunnels and the Tsing Sha Control Area. Read on for a quick rundown of how to pay with an auto toll tag in Hong Kong under the new FFTS in this Kwiksure article.

The SAR government sets a goal to stop registering any new petrol vehicles and hybrid cars by 2035. Instead, electric vehicles (EVs) are expected to keep with the global energy-saving trend to reduce exhaust emissions. That said, a number of drivers are still concerned about the distribution of electric car charging stations in Hong Kong prior to buying one. Unlike in the West, most drivers here don't have the option to install a home electric car charger inside their garage. That's why it is a major consideration for owning an EV in Hong Kong. As electric cars in HK become the key trend, let's take a look at how to find EV charging stations, the supply/distribution of EV chargers here, its specifications for installation, as well as related costs.

Tesla announced today (9 March 2022) another round of price increases for its Model Y multi-purpose SUV and Model 3 effective 11 March, which represents another round of price hikes since the end of last year. The price changes after the one-for-one incentives are as follows: Model Y Model Original price in HKD New price in HKD (effective 11 March) Change RWD (Standard Range) $337,800 $341,800 1% Long Range $399,700 $422,920 6% Performance $502,470 $519,670 3% Model 3 Model Original price in HKD New price in HKD (effective 11 March) Change RWD (Standard Range) $307,800 $315,800 3% Long Range $367,000 $377,800 3% Performance $459,470 $476,670 4% Colors Color Original price in HKD New price in HKD (effective 11 March) Pearl white (multi-coat) Free $9,600 Solid black $9,600 Free Midnight silver metallic $9,600 $9,600 Deep blue metallic $9,600 $9,600 Red (multi-coat) $12,800 $12,800 MODEL Y specifications comparison Standard Range (RWD) Long Range (AWD) Performance (AWD) Cruising range (WLTP) 455 km 542 km 528 km Top speed 217 km/h 217 km/h 241 km/h 0 to 100 km/h 5.6 s 5.1 s 3.7 s Wheel size 19- or 20-inch 20-inch 21-inch Seat configurations available 5-seat only (for now) 5-seat only (for now) 5-seat only (for now) Beginning from the standard version, the Model Y is equipped with a panoramic glass roof, autopilot, active safety functions, etc., and the Hong Kong version has additionally added a "HEPA" high-efficiency filter system, which is sufficient to protect against biological weapons. As for the charging configuration, Tesla said it will expand the network of the world's fastest "V3 Supercharging" supercharger in Hong Kong. The Model Y can be charged for nearly 270 kilometers of cruising distance in 15 minutes. Currently, there are 35 supercharging stations throughout the territory, providing a total of 172 superchargers and more than 600 destination chargers.

Few cities attract Hong Kong emigrants quite like Taiwan. In this series of Kwiksure articles featuring four hottest emigration destinations for Hong Kongers (i.e. the UK , Canada , Australia , and Taiwan), we'll get to the nuts and bolts of how to exchange your driving license, get one, buy car insurance, as well as transfer your existing No Claims Discount/No Claims Bonus (NCD/NCB).

Canada has always been one of the hottest emigration destinations for Hongkongers. Among Canadian cities, Vancouver and Toronto are especially popular. The Canadian government has recently pushed out a scheme titled 'Hong Kong Pathways', which enables those who have completed a post-secondary degree in the past five years to apply for a 3-year long work visa. Having said that, it's a vast world out there compared to Hong Kong, and roads tend to be a lot more spread out. Living without a car is akin to being a bird without wings. If you're interested in emigrating, you should get to know how to exchange or obtain your driver's license. In this Kwiksure series, we will go through four popular emigration destinations among Hongkongers. This includes the UK , Canada, Australia, and Taiwan. Read on for answers to frequently asked questions like how to exchange your driver's license , how to get one , how to secure car insurance , and how to transfer your No Claims Discount/No Claims Bonus (NCD/NCB).

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.