Insurance Guide

Whether it's in the side streets or the bicycle lanes, it's not hard to find electric scooters here in Hong Kong. Riders all love them for their convenience. Though in recent years, there have been accidents involving these electric vehicles in question. At the end of last year, two people severely injured their heads while riding an electric scooter, then passed away in the emergency ward. Are there any laws involving electric scooters in Hong Kong? Do you need to secure an insurance plan if you drive one? Today at Kwiksure , our team of experts will dive into these questions for you.

Electric cars are viewed as the mainstream cars of the future. However, Hong Kong still mainly relies on petrol vehicles. Several reasons why include car prices, insurance premium rate, and the number of available charging stations. Today at Kwiksure , we'll take a look at the most common types of vehicles in Hong Kong, so you can choose the best one for your own needs.

Did you know: “metal wrapped in skin” is a nickname Hong Kongers give to all motorcycles? The reason being that in a car crash, motorcyclists and their passengers are more likely to get injured. Is there truth to this nickname? If so, how do we avoid traffic accidents? Moreover, what do we do once an accident happens? Today at Kwiksure, we’ll get to the bottom of just how dangerous it is to drive motorcycles in Hong Kong.

As Hong Kongers become increasingly health-conscious, a great many people will opt for an annual health checkup. The primary reason is to understand their health condition, as well as to prevent diseases. However, depending on the body part you are screening, there could be a big difference in price and options. Today at Kwiksure, our insurance experts will explain the importance of body checkups, and what you can expect to pay at private hospitals and clinics in Hong Kong.

Every car owner in Hong Kong, and in the world in that matter, must have third party motor insurance, or third party liability insurance. This type of motor insurance provides the minimum coverage required by the Hong Kong legislation. Why is it called “third party” insurance? What does it cover and what are the exclusions and extensions to this car insurance policy? Stay with us to find out!

Driving your own vehicle always reigns supreme over walking in terms of convenience. Previously, we discussed several 'How Much Does It Cost to Own a Car in Hong Kong?' . Here, we'll give you an overview of the main expenses for motorcycle riders, as well as several tips on saving the cost of riding a motorcycle in Hong Kong. Yet, monthly expenses could still add up to a tremendous figure. While most people assume that it must be cheaper running a motorcycle than a regular automobile due to its smaller size, we question whether this really is the case? Today at Kwiksure, we'll look at the average cost of running a motorcycle in Hong Kong.

According to Zurich Insurance’s 2019 survey, more than 27% of survey respondents did not purchase health insurance. Within this group, almost 40% lists “don’t have time” as their main reason for not buying insurance. However, another 40% say that they “don’t have the money to spare”. Hong Kong’s public healthcare system has always been on the verge of collapsing. That’s why health insurance - be it a standard plan or the Voluntary Health Insurance Scheme (VHIS) - is crucial. Today at Kwiksure , we will explain the top 4 reasons why you should buy health insurance.

Buying a secondhand car in Hong Kong? Aside from relying on your dealer for a vehicle examination, it’s important to take a look at it yourself first. This is especially the case if you’re buying directly from a seller. If you’re purchasing from a reputable secondhand car dealer, then there’s little risk of choosing a car with pre-existing problems. Buying directly from the owner? Sometimes, you’ll run the risk of having to deal with scammers. They might sell you a car that is falling apart, previously flooded, or even illegally modified. Today at Kwiksure, we will delve into how car owners like you can examine a secondhand car to avoid buying terrible ones.

Bad driving habits can result in wide-ranging consequences. Irreparable damage to your favorite car and the loss of life are just two extreme examples. Overall, Hong Kong is a busy city with countless traffic lights, people, and cars. On top of that, you often have irritated drivers and the occasional traffic accidents . If you don’t want to be a hindrance to other drivers, you must get rid of your terrible driving habits. After all, these habits affect you, and everyone around you. Thinking of making claims? Bad driving may even ruin your streak for No Claims Discount (NCD) on motor insurance, and indirectly increases your premium! Today at Kwiksure , we’ll go over the top 7 bad driving habits that drivers tend to have in Hong Kong.

If you got injured or caught COVID-19 while working from home, will your insurance cover you? Because of the third wave of coronavirus, right now, a number of office workers are working from home (WFH). After all, crowded offices and rush hour transit are all grounds for the virus to spread. Though the number of confirmed cases is decreasing, this work arrangement will likely continue in the near future. Today at Kwiksure, we will dig deep into what your insurance plan covers while you WFH.

Most people don’t know where to start when it comes to hiring a domestic helper. This is especially the case if it’s your first time hiring. Because of the third wave of coronavirus, a number of foreign domestic helpers are barred from entering Hong Kong. Are you in a hurry to hire a maid? Your only option is those who have completed their contract but haven’t returned to their countries. So, how do you know if your helper is the right fit for your family? Is it based on where they’re from, their salary , or are there other criteria? Today at Kwiksure, we’ll look at the 6 criteria you should base your hiring decision on.

Ever since Tesla became the epitome of high-end, efficient, and environmentally-friendly vehicles, electric cars have been gaining momentum across the world. And Hong Kong is no exception. To encourage drivers to purchase these eco-cars, the government has even introduced a "One-for-One Replacement" scheme, which offers up to $250,000 of First Registration Tax concession. It seems that electric cars will inevitably become mainstream in the near future. If you’re new to electric cars and would like to learn more about their insurance plans, then you’ve come to the right place. In our brand new electric cars infographic , we are going to give you a quick summary of some important figures about electric cars, as well as what you should know before taking out insurance for electric motors.