Insurance Guide

One of the greatest joys you will ever see in life is the smiling face of a dog with its head poking out a car window. It’s really something hilarious to watch - watch this cute pup do it for the first time. When you’re driving with your dog, or any pet for that matter, you need to understand that the risks you face behind the wheel also apply to your furry friends. Pets are not immune to accidents or crashes on the roads. With Chinese New Year and the Year of the Dog approaching, Kwiksure discusses whether car insurance covers dogs in cars, and what alternative coverage might be needed to secure their wellbeing.

Change is constant, and a change in your car ownership situation can happen without regard for the neat time periods set by your car insurance policy. As your circumstances change, you may find yourself wondering if you should let your insurance provider know so you can update your car insurance benefits. This week, we’re discussing what changes you may need to inform your insurance company of, what effect it may have, and what happens if you want to change to a new insurer mid-policy.

Key to keeping a business running is having the right insurance to cover you when the unexpected happens. If vehicles are an integral part of your business, then having commercial vehicle insurance is a must. Commercial accidents can leave your company liable for thousands, if not potentially millions, in private property damage; often pushing many unprepared businesses to the brink of liquidation. This week, Kwiksure discusses who might be liable for what in the event of a commercial accident.

No one likes sitting in traffic. Hong Kong, like many major cities, can often come to a complete standstill during peak hours - whether it’s on the road or on the MTR. For some of us, public transport might not be as convenient as owning our own vehicle, but what can be done about getting stuck in traffic? For many, a motorcycle can be a great alternative to owning a private car. They’re small and compact, they’re zippy, and they’re often small enough to slip through the gaps drivers of bigger vehicles wish they could. This week, Kwiksure discusses what you should know about motorcycle insurance if you want to ride in Hong Kong.

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?”.

Perhaps you own a fleet of tour buses. Or maybe you run a moving and storage company. In whatever way your business intends to use your vehicle(s), one thing remains clear: you will need commercial vehicle insurance. The process of finding and securing this specific type of auto insurance can, however, be a bit trickier than selecting a private car insurance policy. To help clear up some of this confusion, the car insurance experts at Kwiksure have shared the following items you need to know about commercial vehicle insurance.

Most homeowners in Hong Kong would agree that their home is one of their most valuable assets. The majority of households in the SAR, however, do not have home insurance . In fact, nearly 80% of Hong Kongers do not have their home insured, according to a newly released Home Protection Awareness Study. So, why is there such a low uptake of home insurance here? And, more importantly, why do homeowners need to insure their homes? Read on to find out.

“How can I save money on car insurance?” is probably one of the most commonly asked questions when it comes to renewing or buying a new car insurance policy. Everyone wants to save money - but when it comes to securing car insurance coverage, its jargon and pricing complexities can make finding the best value policy an ordeal for many Hong Kong drivers. So, in an effort to bring transparency to the world of auto insurance, our team of experts at Kwiksure have compiled the following top tips for managing and reducing your car insurance costs.

As we turn to the time of year where new car models are hitting the markets, we at Kwiksure think it’s a good time to discuss the ins and outs of buying a car in Hong Kong. Beyond the task of finding a car , there are a number of legal regulations new car owners must adhere to in order to make their new car “road legal”. This week, learn what you need to do when you buy a new car in Hong Kong.

In a recent article we discussed the various statistics behind road accidents in Hong Kong. This combined with a number of high profile car crashes has raised a number of questions, especially around insurance coverage. While the chances of something going wrong on the road are generally pretty slim, drivers should be aware of how their third party or comprehensive car insurance deals with accidents. One major concern drivers often think about is whether their car insurance will protect them should they be the one at fault in the event of a car accident. To answer this question, it’s important to first explain that different types of car insurance policies handle accidents differently. To help, this week’s article by Kwiksure outlines everything you need to know about how different car insurance plans deal with accidents.

Buying car insurance, many people think of the benefits of being covered for damage and injury resulting from a car crash. However, things can happen to your vehicle even when you’re not driving it. Vandalism, break-ins, property theft, and accidental damage; these can all cause significant and expensive damage or loss to a vehicle or other property, leaving many wondering: Will my insurance cover this? This week, Kwiksure looks at the type of non-driving dangers that can happen to your vehicle and discusses what car insurance can do.

In a recent article, we took a look at car safety ratings and their impact on insurance. Truth be told, in many cases when people start looking for a new car, especially those with a family, the vehicle's safety will be among the most important things considered. In recent years we have seen smart technologies employed in cars with increasing frequency, especially when it comes to safety. Here we take a look at the most commonly requested car safety tech features, and the impact they might have on the cost of car insurance in Hong Kong.