Motor Insurance Experience
25 years
Key Advantages of Kwiksure’s Car Insurance
Extra-Low Premiums
Plans start from HK$777 with low deductibles
Wide Eligibility
Covers all license types (P-license, learner’s permit) and vehicle types–EVs, private cars, vans, sports cars, and commercial vehicles
Comprehensive Protection
Includes vehicle damage, third-party liability, personal injury, and property damage.
Impartial Comparisons
We compare over 60 insurers to find the best fit for you—no bias, just value.
Flexible Add-Ons
Choose extras like:
- Personal accident & medical coverage
- Windshield protection
- Hospital cash reimbursement
- Zero-depreciation repair compensation
Additional Benefits
New-for-Old Protection
Full compensation for total loss or theft of new cars in the first year—no depreciation.
EV-Specific Coverage
Includes internal electronics, private chargers, and charger liability.
No-Claim Discount (NCD) Protection
Keep your NCD even after minor claims below the threshold.
Cross-Border Coverage
Protection extends to Guangdong Province and Macau.
24/7 Roadside Assistance
Emergency towing and support anytime, anywhere.
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?
Founded in 2000, Kwiksure has been established in the motor insurance industry for 20+ years, with an office exceeding 10,000 sq. ft. in East Kowloon. As a leading motor insurance broker in Hong Kong, we compare quotes for third-party and comprehensive motor insurance from over 60 insurers based on your budget, driving experience, and coverage needs, saving you valuable time.
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
✖
✔ (Up to Vehicle Value)
Third-Party Injury or Death and Property Loss
✔
✔
II. Additional Coverage
Driver Personal Accident Insurance: Accident medical and hospitalization coverage
✖
Coverage up to HKD $200,000
Auto Repair Center of Choice
✖
✔
No-Claim Discount (NCD/NCB) Benefit Protection
✖
✔
Windshield Protection
✖
Up to HKD $5,000
Third-Party Liability Recovery Service
✖
✔
New-for-Old Compensation Protection
✖
✔
Temporary Replacement Vehicle
Free Referral
Up to HKD $5,000
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
Allianz
AIG
AXA
Bluecross
Bolttech
Liberty
MSIG
Ping An
Zurich
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
[Car insurance 101 EP2]
Car insurance might look simple, but it’s anything but! What are the steps in making a claim? Is the insured amount also the amount of compensation? Today, car insurance expert Ken will explain three common misconceptions about comprehensive car insurance!
Third-Party Motor Insurance
[Car insurance 101 EP1]
A beginner's guide to car insurance starts with third-party insurance! Why must drivers buy car insurance? What are the different types of car insurance? How should one choose the right third-party insurance? If the car insurance isn't enough to pay the damages, can you just say sorry and call it a day? Today, car insurance expert Ken will answer all these questions!
Insurance Guide
Essential Motor
Insurance Information
9 Major Factors Affecting the Premiums of Motor Insurance
No-Claim Discount/Bonus (NCD/NCB) Calculation Methods + FAQs 2024
How Is Motor Insurance Deductible Calculated and When Is It Payable?
New Driver
Must-Knows
How P-License Drivers Should Look for the Right Motor Insurance Plan
Now that You Have Passed Your Driving Test, What’s Next?
Should You Buy a New or Used Car + Things to be Careful About in 2023
Vehicle Collision/
Inspection Management
Vehicle Inspection for License Renewal 2023–What You Need to Know
The Ultimate Guide to Handling Car Crashes in Hong Kong 2024 (With Settlement Agreement Template)
2025 Towing Cost Strategy, Process, and Price-Affecting Factors
Get the Coverage You Need
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