Example Premium Rates

  • 36-year-old Teacher
  • 5-year-old license
  • 60% NCD Third-party insurance
Tesla Model 3 Long Range
Original price $4,455-42.09%
  • 50-year-old Civil servant
  • 10-year-old license
  • 60% NCD Third-party insurance
Audi A4 Sedan
Original price $1,248-37.74%
  • 30-year-old Accountant
  • 2-year-old license
  • 0% NCD Third-party insurance
Toyota Sienta
(worth $300,000)
Original price $10,719-19.21%

Why Insured By Kwiksure

Founded in 2000, Kwiksure is a leading motor insurance broker in Hong Kong comparing third-party and comprehensive motor insurance plan quotes from over 60 insurers in Hong Kong. As a broker, we always prioritize the interests of our customers as we guide you towards securing the best plan based on your budget, driving experience, and individual needs.

  • Experience in Motor Insurance

    22 years
  • No. of Awards

  • No. of Clients

  • No. of Partner Insurers


Kwiksure Car Insurance Benefits

  • Low auto insurance premium

    as low as $777 with low deductibles (excess)

  • Diverse plans available

    ranging from young drivers, P-license holders, Learner’s License holders, electric cars, SUVs, second-hand cars, and sports cars to commercial vehicles

  • Extensive coverage

    including vehicle damage, third-party liabilities, bodily injuries, and property damage

  • Unbiased insurance advice

    impartially compare quotes from over 60 insurers with a client-first philosophy

  • Flexible benefit options

    extra add-on benefits available, such as “personal accidents and medical coverage”, “motor windscreen coverage”, “accidental hospital cash benefit”, and “zero depreciation repair benefit (excluding part depreciation expenses)”

Kwiksure Car Insurance Benefits

  • First-year new for old coverage

    replacing your car, which is stolen or has suffered total loss in an accident, with a car of the same make and model without deducting any depreciation

  • 5-day rental coverage

    your rental car costs will be covered when your car is under repair after an accident

  • NCD/NCB protecto

    NCD/NCB will not be deducted if the claim does not exceed a specific amount

  • Wide insurance coverage area

    can extend to Guangdong province including Macau

  • 24-hour roadside emergency assistance

    round-the-clock towing service for vehicles that need repairs on the road

  • Simple claims and renewal process

    Chinese and English assistance and advice from our car insurance experts

Comparing third-party and comprehensive motor insurance


Third-party insurance

Comprehensive Insurance

I. Basic Coverages

Vehicle Damage, Fire and Theft Protection
(not exceeding car value)
Third-party Bodily Injury and Property Damage*

II. Additional Coverages

Driver Personal Accident Coverage
Up to HKD 200,000
Auto Repair Centre of your Choice
NCD/NCB Protector
Front Windscreen Coverage
Maximum HKD 5,000
Third-party Liability Claims Recovery Service
New For Old Replacement
Temporary Substitute Vehicle Free Referral Maximum HKD 5,000
24-hour Roadside Emergency Repair Service
24-hour Towing Service
# The above information is for reference only. The actual scope of coverage and exclusions are listed in the policy. Please read the terms and conditions of the policy before purchasing any insurance product. In case of any discrepancy, the terms and conditions of the policy shall prevail.

Motor Insurance Application Process

Learn to secure motor insurance in Hong Kong with three simple steps.


Get a quote online

Enter the details of the car driver and the vehicle on our online platform. You should receive an instant quote, or a quote via phone or email on the next working day.

Enter information & obtain a cover note

After entering the information of the insured and adding named driver(s) (if any), you can proceed with the payment. Normally, you should receive a cover note within half an hour at the earliest, provided you have submitted all necessary documents and made the payment.

Receive your cover note in as little as 30 minutes

Submit supplementary information & receive a formal insurance policy

You will be required to provide additional information within 15 days from the policy start date. We will send the official policy to you once we have verified the information.

Within 15 days,

Official policy will be sent out after verification of information

Q&A Section

  • If I am worried that my third-party insurance policy does not offer sufficient coverage, how do I upgrade it?

    By paying a slightly higher premium, a third-party insurance policyholder can insure against additional items, including:

    • 24-hour Car Support Coverage: Emergency roadside assistance, towing service, rental of a substitute car in place of the accidentally damaged car, and personal accident coverage of up to HK$270,000 for the policyholder and other passengers on board.
    • Windshield Coverage: Heavy vehicles abound on the highways of Hong Kong, so your windshield may be exposed to rock chips. The Windshield Coverage provides compensation for accidental windshield damage of the insured vehicle, which amounts up to HK$3,000 per accident. What’s more, there is no deductible!
  • What factors affect the premium of car insurance?

    Two major factors will affect car insurance premium, including but not limited to:

    • In terms of the car owner:their age, driving experience, occupation, NCD, illegal driving record, past insurance record, etc.
    • In terms of the insured vehicle:its manufacturer, model, vehicle age, insurance type (a third-party or comprehensive insurance), horsepower, etc.
  • Does it count toward my driving experience if I don’t drive during that period?

    Yes, it does. The insurance company cannot verify the actual driving experience of the insured solely based on how long the driver's license has been issued (since some drivers gain driving experience by borrowing a friend's car or renting one, or they may not have actual driving experience at all).

    Therefore, the insurance company assumes that a driver starts accumulating driving experience from day one of obtaining her or his driver's license. So, it does not matter even if you don’t drive at all.

  • Is there any special restriction on probationary drivers?

    In addition to the usual limitations for a probationary driver, they will also be liable for a deductible for "inexperienced drivers". The inexperienced driver refers to one who has "less than two years of driving experience", so probationary drivers are considered as ‘inexperienced’ by this criterion.

    Besides the deductible for inexperienced drivers, probationary drivers should also take note of the insurance premium.

    Above all, probationary drivers should list their names in the insurance policy. If any untruthful/dishonest action has been committed just to save money, the insurance company has the right to refuse compensation because the policyholders have breached the doctrine of utmost good faith.

  • How do you calculate the no-claim discount (NCD) / no-claim bonus (NCB) of private cars and motorcycles?
      *No-claim discount (private car/taxi) *No-claim discount (motorcycle/commercial (e.g. goods vehicle)
    1st year (first purchase) 0% 0%
    2nd year 20% 10%
    3rd year 30% 20%
    4th year 40% 30% (max)
    5th year 50% 30% (max)
    6th year 60% (max) 30% (max)
    *Regardless of the types of insured vehicle, be it private car, taxi, motorcycle or commercial vehicle, the no-claim discount cannot be shared or transferred to different types of vehicle policies.
  • Does a cheap premium necessarily mean the inability/illeligibility to claim after a crash?
    The success of the claim is not directly related to the premium rate. Should you have any doubts about the authenticity of your policy, please inquire with the insurance company or the relevant regulator. Kwiksure has been prospering in the car insurance industry for over two decades. It is headquartered in a 10,000 sq. ft. office in East Kowloon. We highly value integrity. Kwiksure would fully disclose any special clause that "only covers the driving of registered drivers", if the insurance policy does contain it, before the customers enroll in it.
  • What should a new car owner pay attention to?
    Should I first buy the insurance or transfer the ownership? What is the NCD? Can I ask my family member to be my policyholder? Is my license long enough? Am I old enough? Is the car insurance expensive for this model? Can I possibly get insured? If you have any questions about car insurance, please browse our insurance encyclopedia, or feel free to call our experienced and down-to-earth consultants. We are eager to answer any questions you have questions with patience.

Car Insurance: Comprehensive vs Third Party

Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive car insurance gives more extensive cover than a third party or a third party fire and theft insurance policy. Read on to learn more about the benefits of these plans and why drivers in Hong Kong prefer this type of car insurance.

Third Party Car Insurance

Third Party Car Insurance

Third-party car insurance, also known as third party insurance, covers policyholders against compensation claimed by third parties for bodily injury or property damage as a result of a traffic accident. Click to learn the benefits of this type of car insurance.