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Why choose AWM?
AutoMate Wealth Management Limited (AWM) specializes in online car insurance services, offering local car owners the ability to compare and recommend the most suitable car insurance plans, answer various car insurance questions, handle claims, and provide emergency support. Whether you own a private car, have a P-plate, or ride a motorcycle, you can easily purchase online car insurance through AWM
Express Chengbao
Once you submit all the documents and make the payment, a temporary insurance policy will be issued within 30 minutes, perfect for those who need to drive their vehicles urgently
Extra low base fee
In addition to the premium, we strive to secure an exceptionally low down payment for you, so you can claim compensation with peace of mind if needed
Daily price
We compare car insurance from major insurance companies to find the best prices, making car maintenance easy for you
Dedicated follow-up
Our professional insurance team is at your service . Contact us anytime via WhatsApp if you have any questions
AWM focuses on online car insurance services, specifically for local car owners:
Develop the most suitable protection plan
AWM will design a car insurance plan for you based on your budget, driving experience, and coverage requirements; and strive to get the most favorable car insurance premiums to reduce your car maintenance burden
Answer all your car insurance questions
Whether it's pre-sales consultation or follow-up on existing policies, AWM insurance specialists are happy to provide you with professional advice free of charge, allowing you to choose the most ideal coverage and enjoy the pleasure of driving with peace of mind
Handling claims
In the unfortunate event of an accident, the AWM online car insurance team can provide you with a simple and quick claims process, so you can have no worries
Online car insurance application process - only three steps!
Provide basic information
Provides basic information about car owners, drivers, and vehicles
Choose insurance type
Choose the right car insurance type for you
Waiting for someone to contact me
A specialist will contact you to provide the most suitable insurance plan
Third-party liability insurance VS Comprehensive insurance
| Three guarantees | Full coverage | |
|---|---|---|
third party
|
✓ | ✓ |
| Damage to insured vehicle | ✗ | ✓ |
| Medical expenses | ✗ | ✓ |
| First-year trade-in guarantee for all new cars | ✗ | ✓ |
| 7-day temporary replacement vehicle guarantee | ✗ | ✓ |
| No-claim discount protection | ✗ | ✓ |
| Lost car keys | ✗ | ✓ |
| Repair parts with "zero" depreciation within the time limit | ✗ | ✓ |
| Flood | ✗ | ✓ |
| fire | ✗ | ✓ |
| Traffic accidents | ✗ | ✓ |
| Theft | ✗ | ✓ |
Why choose AWM?
AutoMate Wealth Management Limited (AWM) specializes in online car insurance services, offering local car owners the ability to compare and recommend the most suitable car insurance plans, answer various car insurance questions, handle claims, and provide emergency support. Whether you own a private car, have a P-plate, or ride a motorcycle, you can easily purchase online car insurance through AWM
Express Chengbao
Once you submit all the documents and make the payment, a temporary insurance policy will be issued within 30 minutes, perfect for those who need to drive their vehicles urgently
Extra low base fee
In addition to the premium, we strive to secure an exceptionally low down payment for you, so you can claim compensation with peace of mind if needed
Daily price
We compare car insurance from major insurance companies to find the best prices, making car maintenance easy for you
Dedicated follow-up
Our professional insurance team is at your service . Contact us anytime via WhatsApp if you have any questions
AWM focuses on online car insurance services, specifically for local car owners:
Develop the most suitable protection plan
AWM will design a car insurance plan for you based on your budget, driving experience, and coverage requirements; and strive to get the most favorable car insurance premiums to reduce your car maintenance burden
Answer all your car insurance questions
Whether it's pre-sales consultation or follow-up on existing policies, AWM insurance specialists are happy to provide you with professional advice free of charge, allowing you to choose the most ideal coverage and enjoy the pleasure of driving with peace of mind
Handling claims
In the unfortunate event of an accident, the AWM online car insurance team can provide you with a simple and quick claims process, so you can have no worries
Online car insurance application process - only three steps!
Provide basic information
Provides basic information about car owners, drivers, and vehicles
Choose insurance type
Choose the right car insurance type for you
Waiting for someone to contact me
A specialist will contact you to provide the most suitable insurance plan
Third-party liability insurance VS Comprehensive insurance
| Three guarantees | Full coverage | |
|---|---|---|
third party
|
✓ | ✓ |
| Damage to insured vehicle | ✗ | ✓ |
| Medical expenses | ✗ | ✓ |
| First-year trade-in guarantee for all new cars | ✗ | ✓ |
| 7-day temporary replacement vehicle guarantee | ✗ | ✓ |
| No-claim discount protection | ✗ | ✓ |
| Lost car keys | ✗ | ✓ |
| Repair parts with "zero" depreciation within the time limit | ✗ | ✓ |
| Flood | ✗ | ✓ |
| fire | ✗ | ✓ |
| Traffic accidents | ✗ | ✓ |
| Theft | ✗ | ✓ |
Popular Articles
Frequently Asked Questions
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According to Hong Kong laws and regulations, all vehicle owners are required to purchase "three insurances" to compensate third parties other than the policy holder for personal injury, death, and property damage; and the second type is "comprehensive automobile insurance" commonly known as "comprehensive insurance". In addition to the "Three Guarantees" protection, "Full Insurance" will also compensate for vehicle losses caused by natural disasters, traffic accidents, theft, etc., providing a wider coverage
"Comprehensive Coverage" and "Triple Coverage" are vastly different. The AWM online car insurance team helps you create the most comprehensive car insurance plan
We offer comprehensive coverage including third-party liability insurance, comprehensive auto insurance, and down payment!
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AWM's online car insurance team answers all your policy questions, providing comprehensive comparisons and analyses before you decide to purchase car insurance. Our unique advantages include:
• Real-time online quotes
• Express insurance application, real-person follow-up
• We'll secure the lowest premiums for you, including a down payment
• Complete the insurance application process online anytime, anywhere
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NCD/NCB (No Claim Discount/Bonus) means that if the policyholder does not make any claims to the insurance company throughout the year, they can enjoy a certain premium discount when renewing their policy in the following year
Generally speaking, in addition to the 20% NCD discount you can enjoy in the second year, the insurance discount will increase by 10% every year. The 60% accumulated in the fifth year is the discount limit, which is equivalent to 40% off the total premium!
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Deductible, commonly known as deductible or excess, means that when the policyholder claims compensation, he or she must first pay part of the cost for the compensation, and the remainder will be paid by the insurance company within the policy's compensation limit. Basically, the flatter the premium, the higher the deductible will be. The deductible fee depends on different insurance plans
AWM Auto Insurance team is dedicated to securing the lowest possible premiums and down payment options for you, helping you compare plans from different insurance companies, reducing your car ownership burden, and allowing you to drive with peace of mind
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There are five main factors below that determine the final premium level
• Vehicle model
• Year of manufacture
• Policyholder's age and driving experience
• Accident record
• Previous car insurance claims (if any), etc
There are many types of car insurance, so we recommend carefully reading the terms and conditions before buying! Feel free to contact the AWM car insurance team for more details
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The AWM auto insurance team understands the numerous difficulties these drivers face in the insurance application process...
Whether you're a private car driver, a parked car owner, or a motorcycle driver, the AWM insurance team helps you get insurance easily!
Our flexible car insurance plans offer options for drivers with different needs, allowing them to fully enjoy the pleasure of driving
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Insurance companies use an objective calculation method, which is generally based on the number of years the car owner has held a driver's license, also known as "license age," and can be calculated from the date of holding a temporary driver's license (commonly known as a "P license")
It is important to note that overseas driving experience is included in the calculation. Since buying or renting a car abroad requires relevant car insurance, simply keep the relevant insurance documents/foreign driver's license. This will be useful when applying for insurance or making claims in Hong Kong, proving your driving experience at the time
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You can purchase car insurance by preparing the following four documents
Hong Kong Identity Card Number (HKID)
Valid driving license
Vehicle registration documents, also known as "vehicle registration books"
Renewal Notice (if any)
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If you need to change the information on your policy, please feel free to contact the AWM Auto Insurance team
Please note that some changes to information (such as adding a registered driver, changing the vehicle model, etc.) may affect the premium and other terms
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Hong Kong's traffic is heavy, and even a moment's distraction can lead to an accident. In the unfortunate event of any accident, please immediately contact your insurance company for appropriate arrangements
The AWM Auto Insurance team understands the helplessness of drivers after an accident. We will closely follow the needs of each customer and assist you in completing the claims process simply and quickly, so that you can have no worries
Six factors that affect car insurance premiums
Car age
The younger the vehicle of the same model, the newer the private car, and the easier it is to get a cheaper insurance premium
Model
Insurance companies determine the premium for different car models by analyzing past customer claims data and automotive industry safety reports. Generally, sports cars with better performance and higher horsepower will have higher premiums than ordinary entry-level family cars
Car price
If you plan to purchase "comprehensive insurance," the market value of your vehicle becomes the decisive factor; insurance companies will determine higher premiums for higher-priced vehicles
Car owner's age/driving experience
New drivers who have just obtained their licenses generally pay higher insurance premiums than experienced drivers. In addition, drivers under the age of 25 or with less than 2 years of driving experience may have to pay higher deductibles when making a claim
Car owner's occupation
Car owners working in the construction industry generally pay higher car insurance premiums than those working in office jobs. This is because construction workers often drive to and from construction sites, increasing their risk of accidents
No-claim discount (NCD/NCB)
NCD (No Claim Discount) means that if the policyholder does not make any claims throughout the year, they will receive a 20% no claim discount in the second year, increasing by 10% each year, accumulating to a maximum of 60% in the fifth year, which is approximately equivalent to 40% of the total premium
User Reviews
Kenneth Wong,
Physiotherapist,
Experience: 5 years
I bought a car before and had to go to the Transport Department to transfer the ownership. Thanks to Vivian's help from AWM, the cover note was issued quickly and the transfer was successful. I had a lot of questions throughout the process, and he answered them all very carefully. Thank you very much
Jessica Liu,
Secondary School Teacher
, 2 years of experience
The agent seemed very professional and experienced. She contacted me quickly after I filled out the online form and was very patient in answering my questions. I've recommended AWM to several friends since then!
Kin Ng's
repair and renovation company;
vehicle age: 15 years.
I have owned a car for many years and have always used the same insurance company. There was a little surprise last year, and I first realized how expensive the deductible was. I found AWM this year and my broker was very helpful. I found a policy with affordable price and good protection. It’s super good!