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2024年3月11日 · 快而保在 汽車保險 界擁有超過 20 年經驗，能為你一口氣比較全港逾 60 間保險公司的報價。 除了汽車保險（三保及全保）之外，亦有提供電單車保險、家居保險、自願醫保等多種產品。 立即使用我們的網上報價系統獲取免費 車保報價 吧。
- 香港九龍觀塘鴻圖道1號37樓15-20室
- 3113 2112
2019年7月26日 · 根據南華早報2013年的一篇文章，當年香港最為暢銷的是 Mercedes E-Class，2012 款的價錢由港幣$474,000起。較便宜的選擇是 Volkswagen Golf，當時價錢為港幣 $239,000。現時，Volkswagen Golf 1.4 90 KW Trendline 的價錢為港幣$250,000。
- 香港九龍觀塘鴻圖道1號37樓15-20室
- 3113 2112
- Buying A Car Can Be Expensive - Be Smart
- Hire Purchase
- Pros and Cons of HP
- Leasing
- Pros and Cons of Leasing
- Motor Insurance Regardless of Financial Option
If you are like most people, paying cash to buy a new car just isn’t in the realm of possibility. And even if it's in the realm, you may not want to access and deplete your savings account to buy a new car, especially considering the high cost of buying a car in Hong Kong. According to a South China Morning Post article back in 2013, the best selli...
This is a simple and straightforward type of car finance. You usually pay a deposit which is a fraction of the cost of the car, then you make fixed monthly payments over an agreed period before you get behind the wheel.
Pros of hire purchase
1. Flexible repayment terms (from one to five years) to help match your monthly budget – but the longer the term the more you’ll pay in interest. 2. Relatively low deposit required for HP (normally 10% of the car’s price). 3. Fixed interest rates so you know exactly what you’re paying every month for the length of the term.
Cons of hire purchase
1. You don’t own the car until you’ve made your final payment, which means if you get into financial difficulties the finance company could take it away. 2. You can’t sell or modify the car over the contract term without getting permission first. Only once you have completed the payment terms will the car be rightfully yours, to do as you wish. 3. It can be an expensive route if you only want a short-term agreement.
Important advice for buyers
1. When it comes to renewing the license fees, it is recommended that buyers should send a cheque and proof of valid car insuranceto your HP dealer or broker before the license expires. Normally at least two weeks ahead of the day of expiration will be enough. 1. In the worse case of total loss or theft of the car, the compensation amount will first pay to the dealer or broker of the HP agreement and then to the buyer. 1. For an insured car that was purchased under an HP agreement, the origin...
With a lease, you do not own the car and are not paying it off. What you are simply doing is paying a monthly fee to a leasing company for the privilege of driving the car. You are effectively rentingthe car until you return it back to the dealer. If buyers want to go down this route, we have provided some pros and cons to consider below:
Pros of leasing a car
1. The payment agreement may feature lower monthly payments with little to no down payment required. 1. If you are covered by a manufacturer's warranty during the lease term, you can rest assured about receiving a hefty, unexpected repair bill. On the other hand, as the leaseholder, you are accountable for the maintenance and coverage of at least third party insurance which is required by Hong Kong legislation. 1. When the option to lease is available, as the buyer you are more likely to leas...
Cons of leasing a car
1. In the end, leasing usually costs you more than an equivalent loan, if only because you are always driving a rapidly depreciating asset. 1. If you don't maintain the vehicle, you'll have to pay excess wear-and-tear charges when you return the car. 1. Your agreement for leasing a car may be fixed for a period of time. So if you need to get out of a least before it expires, you may be hit with a heavy termination fee and/or penalty. Therefore it is imperative to fully read the terms and cond...
If you did not know already, it is compulsory that you have insurance when buying or renting a car in Hong Kong. Drivers can choose to have either third party car insurance, where the insurance company will only cover the other car in an accident but not yours; or they can get the comprehensive car insurancewhich also covers your car and the other ...
- Unit 15-20, 37/F, One Hung To Road, Kwun Tong, Kowloon, Hong Kong
- 3113 1331
2024年4月2日 · 港車北上計劃讓已獲批的香港私家車經港珠澳大橋往來香港與廣東省，截至 2024 年 3 月 24 日，經港珠澳大橋出入境的港澳車輛數目已突破 200 萬架次。今次快而保為大家分享申請港車北上的多個必知事項，除了申請 8 大步驟、轉換內地駕駛執照、辦理高速公路電子收費 ETC 外，還特別講解有關港車 ...
2020年3月20日 · 如果你不是問朋友借車，而是透過借車 app 來借車的話，就應該仔細閱讀 app 中的條款。. 因為借車 app 的保險會凌駕你的保險，好處是出租時發生意外你也無需負責賠償任何損失，但壞處是額外保單的用字，以及租車人士汽車用途，都會對你有所影響。. 所以在 ...
快而保由香港的Pacific Prime Insurance Brokers Ltd全資擁有及營運。. Pacific Prime Insurance Brokers Ltd為持牌保險經紀公司，受保險業監管局(IA)監管 (登記號碼: FB1422)。. 快而保提供多種保險產品，包括汽車、電單車、家傭、家居、醫療、自願醫保、商業、旅遊及港珠澳大橋 ...
2024年4月5日 · 延伸閱讀: 【二手車及續牌驗車】私家車驗車價錢、網上預約流程及驗車中心名單 2024 【車輛過戶】二手車買賣流程及注意事項 2024 【公屋名車】名牌車一定貴？5大因素影響車輛估價！
