Motor Insurance Experience
25 years
Key Advantages of Kwiksure’s Car Insurance
Extra-Low Premiums
Wide Eligibility
Comprehensive Protection
Impartial Comparisons
Flexible Add-Ons
Additional Benefits
New-for-Old Protection
EV-Specific Coverage
No-Claim Discount (NCD) Protection
Cross-Border Coverage
24/7 Roadside Assistance
Complex Car Insurance Case?Kwiksure Can Help!
Complex Car Insurance Case? Kwiksure Can Help!
- Had a claims record and no one wants to insure your car?
- Had your license been suspended or faced DUI charges, and are you now struggling to get insurance after reinstatement?
- No matter the situation, contact Kwiksure, and we’ll do our best to assist you!
Why Choose Kwiksure?
Why Choose Kwiksure?
Number of Awards
12+
Total Clients
Over 180,000
Insurer Partners
60+
Cases on Insurance Premiums
Comparison of Third-Party Insurance and Comprehensive Insurance
I. Basic Coverage
Vehicle Damage, Fire Insurance, and Theft Insurance
Third-Party Injury or Death and Property Loss
II. Additional Coverage
Driver Personal Accident Insurance: Accident medical and hospitalization coverage
Auto Repair Center of Choice
No-Claim Discount (NCD/NCB) Benefit Protection
Windshield Protection
Third-Party Liability Recovery Service
New-for-Old Compensation Protection
Temporary Replacement Vehicle
24-Hour Emergency Repair Service
24-Hour Towing Service
# The above information is for reference only. The actual coverage and exclusions will be detailed in the policy fine print. Please read the policy terms and conditions carefully before purchasing insurance. In case of any discrepancies, the terms in the policy will prevail.
Comprehensive Motor Insurance | Compare Major Insurers in Hong Kong
Damage to third party’s property
$2 million
Death or physical injury to third party
$100 million
Loss/damage of your car
Sum Insured/car market value
Towing service & delivery after repair
$2,000
Up to 20% of the agreed cost of repair
Up to 20% of the agreed cost of repair
$2,000
$2,000
Via insurer's towing hotline $1000
$2,000
Via insurer's towing hotline $2000
$2,000
Medical expenses
$10,000
$2,000
$4,000
$5,000
$2,000
$2,000
$5,000
$2,000
$2,000
Personal accident to named driver
$250,000
$200,000
$100,000
$200,000
$100,000
$100,000
$100,000
/
$100,000
NCD Protection
$100,000
$50,000 or 15% of sum insured, whichever is less
$60,000 or 20% of market value, whichever is less
$75,000 or 20% of sum insured, whichever is less
$60,000 or 15% of sum insured, whichever is less
$50,000
Windescreen replacement
$5,000
$4,000
$5,000
$3,000, only for designated repairers
Free for designated repairers
New for old replacement^
Yes
Rental Car
$1,000 per day; Max 5 days
$500 per day; up to $3,500 in total
Up to $1,000 per day; and $4,000 per accident; with 20% excess of rental costs
Up to $1,000 per day; and up to $6,000 per accident; with 20% excess of rental costs
Up to $1,000 per day; and up to $5,000 per accident; with 20% excess of rental costs
Up to $4,000 per accident; with 20% excess of rental costs; or up to $2,000 taxi fare
Others
/
/
/
/
Hospital cash benefit of $200 per day, up to $2,000
/
/
Deduct $3,000 excess or 20% for designated repairers
/
Damage to third party’s property
$2 million
Death or physical injury to third party
$100 million
Loss/damage of your car
Sum Insured/car market value
Towing service & delivery after repair
$2,000
Up to 20% of the agreed cost of repair%
Medical expenses
$10,000
$2,000
Personal accident to named driver
$250,000
$200,000
NCD Protection
$100,000
$50,000 or 15% of sum insured, whichever is less
Windescreen replacement
$5,000
$4,000
New for old replacement^
Yes
Rental Car
$1,000 per day; Max 5 days
$500 per day; up to $3,500 in total
Others
/
* All the above amounts are in Hong Kong dollars. The scope of coverage is for reference only and is subject to the final terms of the insurance company.
^ Applicable in case of theft or total loss due to an accident, compensation will be made with a new vehicle of the same model.
3 Steps to Secure Motor Insurance
Frequently Asked Questions
If third-party coverage is insufficient, what upgrade options are available?
What factors affect motor insurance prices?
Does a suspended license count toward driving experience?
Are there special restrictions for P-license holders when buying insurance?
How is No-Claim Discount (NCD/NCB) calculated for private cars and motorcycles?
If the premiums are so low, will I still receive a claim payout after an accident?
Comprehensive vs. Third-Party Car Insurance:What Every Driver Should Know
Comprehensive Motor Insurance
Third-Party Motor Insurance
Insurance Guide
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