Insurance Guide

Still Human, which depicts the relationship between a wheelchair-bound man and his Filipina domestic helper, is a local film that has won multiple major awards and received critical positive reception. Despite it being a fictional story, foreign domestic helpers are indeed rather common in Hong Kong since the hectic lifestyles and demanding work cultures mean little time for chores. According to government statistics in 2017, there were as many as 370,000 foreign domestic helpers in the territory. However, contrary to common belief, apart from the helper’s salary, the employer will also need to bear other expenses such as travel costs, medical fees, and insurance premiums. In this Kwiksure article, we will list out the most common costs required for hiring a domestic helper so that you can make a more informed and sensible financial decision.

Hiring a foreign domestic worker or helper (maid) is affordable and often straight-forward in Hong Kong, which is why many families, single parents, or parents caring for their senior family members have live-in helpers who help with general chores and household activities. But one of the main responsibilities of being an employer of a domestic helper is that you are responsible for the safety and well-being of the helper. On top of offering the most basic cover for your domestic worker in the form of Employee Compensation (EC) insurance coverage, an employer can go beyond to provide greater cover to reduce risks by including other options, such as health insurance, income protection, dental cover, and so forth. In this article by Kwiksure , we will top-up your knowledge on Employee Compensation insurance coverage, review comprehensive coverage for helpers, and take a look at the plethora of options to help provide additional coverage.

Traveling with your furry friends can arguably one of the best memories you can have as you take them out for a big adventure. However, most public transport vehicles in Hong Kong do not allow passengers to bring their pets. That’s why a lot of pet owners will ride with their animal companions in their own cars. But the situation can also be a bit tricky if you do not plan ahead and understand the risks involved. For example, your Golden Retriever may get so excited at the back seat that it jumps up and down all the time, while your Shiba is getting carsick. In light of this, our experts at Kwiksure have curated this article to showcase some safety tips on driving with pets to ensure a safe and enjoyable trip for everyone.

Whether it’s driving through the historic Canton buildings in Wan Chai, navigating your way through the skyscrapers in Central, or cruising through the New Territories, there is nothing quite like driving in Hong Kong. As a country with one of the most beautiful cityscapes, it is no wonder why owning a sportscar is so common among expats living in one of Asia’s top financial hubs. However, owning a sports car can become more than costly in Hong Kong, especially as accidents can often occur in the city’s narrow streets. This is why you are legally required to have car insurance if you own a car in this city. In this article by Kwiksure , we will go through the 4 most important things you need to know before getting sports car insurance in Hong Kong.

There are not a lot of things that are as exciting as driving your newly-bought car for the first time. Getting a personal vehicle registration mark (PVRM) can go a long way to making your vehicle stand out as you cruise through Causeway Bay for the first time. For new drivers, navigating your way through the PVRM application and auctioning procedures may take some time, especially as applications for the personal vehicle registration mark are only open in January, May, and September. Luckily, our experts at Kwiksure have curated this infographic to list out the key steps in the process of registering personalized vehicle registration marks in Hong Kong.

These days, creative vehicle license plates, such as '1MAG1NE', 'OK LA' and 'TAX1', are a common sight in Hong Kong, and we have our Transport Department (TD) to thank for this relatively new phenomenon. Since TD launched the Personalized Vehicle Registration Marks Scheme (PVRM Scheme) in 2006, auctions have been held every January, May, and September - where PVRMs as well as more traditional license plate numbers go to the highest bidders. Many local magnates and celebrities like to personalize their vehicles with a PVRM. Following the scheme’s launch more than 15 years ago, many license plate combinations have been auctioned off for prices that are nothing short of breathtaking. Today we will take stock of the most expensive license plate combinations in Hong Kong.

Just face it: Hong Kong is probably not the easiest place to drive in the world, with frequent traffic congestions, rude and grumpy road users, limited parking spaces, and narrow and worn-out roads. However, as limited as our individual efforts are, the least we can do is to take precautionary measures when getting behind the wheel to protect ourselves, our passengers, as well as other road users. As we celebrate the new year of the pig, Kwiksure will divulge the following tips for having a safe and claims-free 2019.

A traffic offense is a form of a criminal offense and, in certain cases, it can even lead to a prison sentence in Hong Kong. In today’s article by Kwiksure , we will list the most common traffic offenses that can put you in jail in Hong Kong and we will explain the penalties for each of them. Along with this article, drivers can find laws governing the traffic offenses in the Road Traffic Ordinance, Chapter 374 . Interestingly enough, four out of the 5 most common traffic offenses in Hong Kong may lead to a jail sentence. These include: dangerous driving, careless driving, driving under the influence of alcohol or drugs, and driving without auto insurance. Let’s look at the consequences of particular traffic offenses in Hong Kong in greater detail.

Riding a motorcycle is different from driving a car. People, especially men, love it as it is easier to park, uses less gas, and takes up less space. Most motorcyclists also enjoy the feeling of zipping between cars. And like most automobiles, motorcycles also require regular check-ups to stay in tip-top shape. After all, a bike in good running conditions also ensures problem-free riding. In this Kwiksure article, our experts will share a few insider tips on how to manually inspect your toy.

Given the skyrocketing prices and rents of residential real estate in Hong Kong, most homeowners will purchase a home insurance policy to protect their property and household contents. But apart from common benefits such as property damage from fire, the coverage scopes of most home insurance policies are in actuality much wider than what you may expect. In today’s Kwiksure article, we will go through 12 home insurance coverages items that you may not realize you have in your home insurance policy.

Finding the most suitable car in Hong Kong can be challenging, and part of that challenge is deciding how to pay for it. We can make that challenge easier by guiding you through two available payment options to have you work out what’s best. In today’s article by Kwiksure , we will look at 2 popular car financing options - hire purchase and leasing - for those that want to get a car in Hong Kong.

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.