Car Insurance Cover
Licensing and Insurance for Young Drivers or P License Drivers
Learning to drive is a challenge, but it will also be one of the most rewarding things you can do as a young person in Hong Kong. Being able to drive opens many doors not to mention the fact that your job opportunities are greater, the freedom to travel becomes less dependent on others, and you’ll finally grasp a sense of greater responsibility as you travel down the motorway next to others at up to 100 km/hr.
But before you get to that, you’ll need to know what licensing and car insurance cover you’ll need to have in order to make your driving experience legal. Kwiksure has the information you’ll want to know before you get behind the wheel!
When can I learn to drive?
When you reach 18 years of age, you’re allowed to begin your driving journey. Every new driver needs to apply for a Learner’s Driving License to start with. Without one, you will not be legally allowed to be behind the wheel of a vehicle - even if you’re just trying to learn!
Once you’re confident in your knowledge of the road rules and ability behind the wheel, you’ll need to pass a number of driving tests before you’re permitted a Full Driver’s Licence. For example, those of you looking for a Full Licence will need to demonstrate your competency by passing the following:
- A written test (Part A Test) on the Road Users’ Code; and
- A road test (Part B Test and Part C Test)
The good news is you only need to pass the written Part A Test once, meaning you don’t have to do it again if you want to apply for your motorcycle, taxi, or light goods vehicle licence classes.
Applying for your Full Driver’s Licence can be done within 3 years of passing all parts of the relevant driving test.
I have a licence! Can I drive my own car now?
Not quite yet! Among a number of other requirements the Hong Kong government has set out for would-be car owners, you are also required to hold at least a valid third party risk insurance policy. Of course, you’re more than welcome to obtain more comprehensive coverage if that’s what you want, however at the very least you should obtain a third party car insurance policy.
If you want to learn more about third party or comprehensive car insurance policy options, check out our car insurance coverage landing page.
Car insurance coverage: What to expect as a young driver
If you’re under the age of 25 in Hong Kong, you’ll be generally viewed as an inexperienced driver and therefore be subject to either higher insurance premiums, or higher deductibles if you have to make a claim. The reason for this is because younger drivers are statistically more likely to be involved in a collision or commit traffic violations. Insurance companies balance this risk by requiring more money of inexperienced drivers seeking coverage.
So how do I find insurance?
Well, you can do it the traditional way by searching for car insurance companies, contacting them for quotes and then comparing their prices and coverage benefits against each other. Alternatively, you can utilize the expertise of experienced insurance brokers like Kwiksure who have spent over 16 years providing drivers of all ages with the best priced insurance solutions that provide the right sort of coverage you need.
Kwiksure’s advisors can do all of the hard work for you; comparing prices and benefits against each other and delivering policy options that can often be cheaper than what you might have paid if you went to an insurer directly! To find out more about your car insurance coverage options, contact Kwiksure today!