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Bolttech car insurance 2026 detailed analysis

【Bolttech 保特車保好唔好】汽車保險2026評測 | 保障範圍及特色比較

Author

Cassidy Wong

Created On

2026-03-03

Edited On

2026-06-02

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Insurance

Each insurance company offers different car insurance coverage, so you should choose the right one. Kwiksure takes you to a deeper understanding of Bolttech Auto Insurance Coverage and pricing in 2026: An analysis of the pros and cons of Bolttech auto insurance to help you choose the most suitable car insurance plan.

Table of contents

Bolttech Auto Insurance Introduction
Bolttech Third-Party Liability Insurance Plan
Bolttech Comprehensive Auto Insurance Plan
Bolttech Auto Insurance Coverage and Coverage Amount
Bolttech Third-Party Coverage and Comprehensive Coverage Comparison
Bolttech Auto Insurance Coverage Comparison
Bolttech Auto Insurance: Advantages and Disadvantages
More information about Bolttech car insurance
Other Bolttech insurance
Frequently Asked Questions

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Bolttech Auto Insurance Introduction

Established in 2020, Bolttech, formerly known as FWD Insurance Company Limited, is a member of the international insurtech group, Bolttech Group. Bolttech Group operates across nearly 40 markets on 4 continents and collaborates with hundreds of insurance companies and business partners, offering a wide range of products such as Car insurance, Travel insurance, Greater Bay Area Easy Travel, helperCare, and Pet insurance.

Bolttech Smart Plus Car Insurance offers discounts from time to time and provides a digital insurance experience, supporting instant online quotes, insurance purchases, and fast claims services.

Bolttech Third-Party Liability Insurance Plan

Bolttech Smart Plus Third-Party Insurance Plan covers the death or bodily injury of a third party caused by an accident, as well as losses to other people's property, but does not include damage to the insured's own vehicle or medical expenses.

Bolttech Third-Party Insurance Coverage
The third party dies or is injured.	HK$100 million
Third-party property loss	HK$2 million

Bolttech Comprehensive Auto Insurance Plan

Bolttech's comprehensive insurance service provides third-party liability insurance, as well as compensation for personal accidents and the insured's own vehicle. It also includes windshield and window protection. If the vehicle is stolen and not recovered within 48 hours, or if it is repaired in a garage for more than 48 hours due to an accident, a backup vehicle will be arranged for the owner. There is also no-claims discount protection and a new car trade-in protection.

Bolttech Auto Insurance No Claims Discount (NCD)

Bolttech's "No Claim Discount Protection" for comprehensive auto insurance provides a safety net: as long as the claims within a year do not exceed HK$60,000 or 15% of the insured amount, the original No Claim Discount (NCD) can be retained.

Comparison of general car insurance and Bolttech's no-claims discount coverage (private car)
No claim period	Typical car insurance discount levels	Bolttech Full Protection
Less than a year	0%	0%
One year	20%	20%
For two consecutive years	30%	30%
Three consecutive years	40%	40%
Four consecutive years	50%	50%
Five consecutive years or more	60%	60%
No-claim discount protection	HK$50,000 to HK$60,000 per year	HK$60,000 per year or 15% of the insured amount

*Applicable only to designated service providers

Bolttech Auto Insurance Coverage and Coverage Amount

	Third-party Insurance	Comprehensive Insurance
Third-party liability
The third party dies or is injured.	HK$100 million	HK$100 million
Third-party property loss	HK$2 million	HK$3 million
Serve
24-hour emergency roadside assistance	✕	✓
24-hour free towing service	✕	✓ (Maximum $2,000)
Insured's own and vehicle accidents
Damage to one's own car	✕	Market value / insured amount
Personal accident	✕	HK$250,000
Medical expense reimbursement	✕	✓ (Maximum $2,000)
Windshield and window protection	✕	HK$5,000
Additional protection for electric vehicles
Charging station damage protection	✕	✓ (Once a year, maximum $5,000)
Extended Liability Coverage for Electric Vehicle Chargers	✕	HK$2 million
repair
Trade-in guarantee	✕	✓ (Applicable to brand new vehicles)
Zero-depreciation parts repair	✕	✓
Other protections
No-claim discount protection	✕	✓
Claim recovery services	✕	✓
Temporary replacement vehicle	✕	✓ (1,000 per day, maximum $5,000)

Bolttech Third-Party Coverage and Comprehensive Coverage Comparison

Example 1: Seven-seater gasoline car

For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HKD 250,000).

Insurance Company	Third-party Insurance	Comprehensive Insurance
bolttech (FWD Smart Driving Plus)	$2,062	$5,933
Allianz Auto Insurance	$1,527	$3,977
Ping An Insurance (Hong Kong)	$1,851	$4,776
AXA iMotor	$2,029	$3,831
Dah Sing Bank	$1,560	$5,210
AIG Auto Insurance	$2,092	$5,577

*The above prices are for reference only as of March 4, 2026. All information is subject to the announcements of the relevant insurance companies.

Example 2: Electric vehicle

For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HKD 300,000) in 2023.

Insurance Company	Third-party Insurance	Comprehensive Insurance
bolttech (FWD Smart Driving Plus)	$2,062	$5,136
Allianz Auto Insurance	$5,470	$4,890
Ping An Insurance (Hong Kong)	$1,851	$5,006
AXA iMotor	$3,429	$4,256
Dah Sing Bank	$1,560	$4,680
AIG Auto Insurance	$2,092	$4,944

*The above prices are for reference only as of March 4, 2026. All information is subject to the announcements of the relevant insurance companies.

With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.

Bolttech Auto Insurance Coverage Comparison

Comprehensive auto insurance

Insurance Company	Self-insurance for vehicle damage	No-claim discount protection	Medical expense reimbursement	Car rental/charter guarantee	Automotive glass	Lost car keys
bolttech (FWD Smart Driving Plus)	✓	$60,000 or 15% of the insured amount	$2,000	80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident).	Windshield ($5,000)	✕
Allianz Auto Insurance	✓	$100,000	$10,000	$1,000 per day, maximum 5 days	Windshield/Window ($5,000)	✕
Ping An Insurance (Hong Kong)	✓	$60,000 or 15% of the insured amount	✓	Free shuttle service provided	All car windows ($3,000)	$10,000
AXA iMotor	✓	$60,000 or 20% of the insured amount	$4,000	$4,000 per accident or per coverage period (maximum $1,000 per day)	Windshield ($5,000)	✕
Dah Sing Bank	✓	$60,000 or 15% of the insured amount	✕	80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident)	Windshield/Sunroof ($5,000)	✕
AIG Auto Insurance	✓	$50,000 or 15% of the insured amount	$2,000	$500 / day	Windshield (no change required)	$2,000

*All information is subject to the announcements of the relevant insurance companies.

Third-party insurance for automobiles

Insurance Company	The third party dies or is injured.	Third-party property loss	24-hour emergency roadside assistance	24-hour free towing
bolttech (FWD Smart Driving Plus)	$100 million	$2 million	✕	✕
Allianz Auto Insurance	$100 million	$2 million	✓	Up to $2,000
Ping An Insurance (Hong Kong)	$100 million	$2 million	Up to $2,000	Up to $2,000
AXA iMotor	$100 million	$2 million	✕	✕
Dah Sing Bank	$100 million	$2 million	✕	✕
AIG Auto Insurance	$100 million	$2 million	Free referral	Free referral

Bolttech Auto Insurance: Advantages and Disadvantages

Advantages

Bolttech's comprehensive windshield coverage includes the windshield, side windows, and rear window, offering more comprehensive coverage than some other car insurance plans.
It comes with an additional insurance policy for electric vehicles, providing compensation of up to HK$5,000 in the event of accidental damage to the charger.
It supports real-time online quotes and insurance applications with a simple process, and also allows online claims.

shortcomings

The medical expense compensation for each accident is only HK$2,000, which may not be enough to cover medical expenses.
Accident coverage for registered drivers is only HK$100,000, slightly lower than the coverage offered by other insurance companies on the market.
Third-party liability insurance only covers the liability of third parties and does not include 24-hour emergency roadside assistance or free towing service.

More information about Bolttech car insurance

Bolttech’s official website provides car insurance with quick quotes. Insurance can be purchased directly online, and the insured can also submit Insurance claims directly on the website. The webpage also provides various insurance product information, Commercial products, and the latest news.

Other Bolttech insurance

Apart from Comprehensive auto insurance and third-party liability insurance, Bolttech also provides HZMB car insurance, GBA Easy Travel, Easy HomeCare, PetCare, and Commercial insurance plans available for purchase.

Frequently Asked Questions

How can I contact Bolttech?

To contact Bolttech, please call +852 5803 3558 during office hours or email broker.cs@bolttech.hk.

How do I file a claim with Bolttech Auto Insurance?

First, you need to gather the required documents and go to Bolttech’s official website to fill out the vehicle accident report form. Then email the completed form along with relevant documents to claims.hk@bolttechinsurance.com. Alternatively, you can mail your application to 9/F, 308 Des Voeux Road Central, Sheung Wan, Hong Kong. After submission, Bolttech will review and assess the application and initiate the claims process.

How can I get a quote for Bolttech car insurance?

Bolttech's official website offers instant online quotes; simply enter your basic information to get premium details. Kwiksure also provides real-time quotes and insurance coverage.

Does Bolttech offer insurance for vehicles traveling from Hong Kong to the mainland?

Yes. Bolttech provides Northbound Travel for Hong Kong Vehicles ( “Unilateral recognition” Insurance). This applies only to customers of Bolttech Smart Plus Car Insurance.

How can I find out the latest offers on Bolttech auto insurance?

To find out the latest Bolttech auto insurance offers, you can visit the Bolttech official website or contact them directly. Kwiksure can also provide you with the latest car insurance deals and compare premiums from over 60 insurance companies.

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Contact Kwiksure to get motor insurance quotes

Kwiksure has over 20 years of experience in the car insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free car insurance quote!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

Author

Cassidy Wong

Cassidy is a content creator at Kwiksure. She mainly writes about cars and travel. She has previously worked in advertising creation and online media editing. She loves writing and is keen on discovering the latest topics. She is committed to bringing fresh, interesting and practical information to readers.

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