Car Insurance Comparison

Comprehensive car insurance covers damage to the vehicle, losses caused by fire or theft, and legal liability to third parties, providing comprehensive protection.

Third-party insurance only covers the losses or damage you cause to third parties and does not provide any protection for damage to your vehicle.

Kwiksure offers insurance covering two or three places. Regardless of how you enter mainland China or Macau, such as under the Northbound Travel for Hong Kong Vehicles or the HZMB Macao Port Park-and-Ride Scheme, we can provide you with suitable cross-border car insurance solutions.

Generally, a car insurance policy can include up to three named drivers. The drivers must be between the ages of 25 and 65, have at least two years of relevant driving experience, and must not have had any traffic accidents, insurance claims, license suspensions, over 8 penalty points accumulated, or been charged with careless driving or similar driving offences in the past three years.

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!

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.

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.

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.

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.

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.