Most car owners know that drivers under 25 or those with a P license are generally considered to have insufficient driving experience and therefore have to pay higher insurance premiums. However, accidents involving elderly drivers are also frequent. In 2018, nearly 20% of traffic accidents in Hong Kong involved drivers aged 60 or above. How are insurance premiums calculated for seniors? This article explains the important points to consider when purchasing car insurance for elderly car owners

If you plan to trade in your car for a used one, we recommend that you notify your insurance company beforehand, as your premium may be adjusted if the model changes. This time, we've compiled a few steps to help you transfer or cancel your insurance policy after trading in your car for a used one

No matter how careful you are while driving, accidents can happen, and the windshield is a common target. If you unfortunately drive on a road with a lot of gravel, your windshield is very likely to be damaged. Can you claim compensation for repairs? Will it affect your No-Claim Discount (NCD)? Here's a detailed explanation

No matter how careful you are while driving, accidents can happen, and the windshield is a common target. If you unfortunately drive on a road with a lot of gravel, your windshield is very likely to be damaged. Can you claim compensation for repairs? Will it affect your No-Claim Discount (NCD)? Here's a detailed explanation

Accidents are unpredictable, which is why the insurance industry was born. However, insurance companies can also refuse coverage based on past accident claims. As a car owner, how should you deal with the relationship between claims and refusal of coverage? The following points will help you clear up your worries

Car insurance premiums are influenced by a variety of factors, from the age and model of the insured vehicle to the policyholder's driving experience and record. These factors are closely related to car insurance premiums and can even affect the success of the insurance application. However, many car owners overlook the fact that the policyholder's occupation also affects the premium. This article provides a comprehensive analysis of how a car owner's occupation influences car insurance premiums

When family and friends ask to borrow a car, car owners are usually willing to lend it out unless there's a specific reason, as long as they explain the operating precautions beforehand and add a "be careful." But have you ever considered that lending your car carelessly could easily invalidate your car insurance, and in serious cases, lead to legal consequences? This article will help you understand the various risks of lending your car and the things you should be aware of

Does a low car insurance premium mean a good deal? Besides looking at the coverage, it's even more important to look at the "deductible." Different car insurance companies have different deductibles depending on the situation, and the amount can vary greatly. Therefore, when comparing policies from different insurance companies, in addition to comparing premiums, remember to carefully read the deductible and other terms and conditions

What are the differences between company vehicle insurance and regular private car insurance? What should you pay special attention to when purchasing insurance? Here are the three key points about commercial vehicle insurance

Car insurance is an essential expense in the car maintenance budget. Whether it's basic coverage or comprehensive insurance, car owners always hope for the lowest possible premium. Hong Kong has a large number of insurance companies with varying car insurance plans. This article analyzes the main factors affecting premiums, making it easier to choose car insurance when buying, changing, or renewing your policy next time

Can car insurance get cheaper the more you buy it? Yes, that's right. In Hong Kong, whether it's a "three-insurance" or "comprehensive" policy, most offer a "No Claims Discount (NCD/NCB)". To get the biggest discount, the key is safe driving and maintaining a no-claims record! In this feature, we'll highlight the key points about no-claims discounts to help you better understand this car insurance benefit

When buying or replacing a car, in addition to considering the model, your own needs, and daily expenses, choosing a reasonably priced car insurance policy with coverage that suits your actual situation is also very important. There are many types of car insurance on the market, with varying prices. Below is a brief introduction to the coverage and general differences between "three-insurance" and "comprehensive insurance"

If an accident occurs while borrowing a car, the owner will undoubtedly be extremely anxious, and the subsequent series of insurance and legal issues will only add to the headache. Many car owners have questions about car insurance when borrowing a car, so this article will briefly explain the points to pay special attention to when lending your car