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  1. 2023年8月10日 · 「墊底費」又稱為「自負額 (excess)」,是保單中一個預先設定的金額,索償時保單持有人就須向保險公司支付該金額。 例如索償總數 $15,000,保單附設墊底費 $5,000,保單持有人要自行付出 $5,000 自負額,索償餘數 $10,000 則會由保險公司賠償。 自負額的金額可能因應個別保險公司而有所不同。 墊底費因不同的保險公司和保險單而異,有些保單會有非常高昂的自負額,也有一些保單可能根本不設自負額。 通常墊底費越高,保費越平,反之亦然,所以司機在考慮不同的車保方案時,除了看保費高低外,墊底費亦是重要的考慮因素。 本港法例沒有就財物損失訂定最低金額要求,不過本地大部份保險公司都會提供高達 $2,000,000 的第三者財物保障。

    • 香港九龍觀塘鴻圖道1號37樓15-20室
    • 3113 2112
  2. With the implementation of the NTHKV Scheme, the Hong Kong government has introduced the "unilateral recognition" policy, which allows drivers to simply ask their car insurer to add motor insurance for driving in the Mainland to their existing policy for Hong Kong, and that should be equivalent to having CTALI or CTPLI for the Mainland!

    • Unit 15-20, 37/F, One Hung To Road, Kwun Tong, Kowloon, Hong Kong
    • 3113 1331
  3. Kwiksure is a leading insurance broker that works with over 60 top insurers in Hong Kong and primarily offers Motor, Motorcycle, Domestic helper, Home, Travel insurance, etc. Contact us now for a free quote today.

    • Crossing The Bridge to Macau
    • Crossing The Bridge to Zhuhai
    • Insurance Issue
    • How We Can Help

    For those who are planning to drive across the bridge in order to get to Macau in the near future, there are two schemes that you can consider. You can either apply for a three-year-long permit for Hong Kong residents to enter Macau and its city center, or apply for a “park and ride” scheme.

    All Hong Kong residents who wish to cross the bridge to Zhuhai via a private car must obtain a cross-boundary private car permit. Guangdong authorities will accept new 10,000 quota applications for the Hong Kong cross-boundary private car permit. After applicants receive an approval notice for using the bridge from the Guangdong Public Security Dep...

    Depending on your port of destination, you may need two to threedifferent civil liability car insurance policies. Since no single car insurance policy will comply with the legal requirements of all three jurisdictions, drivers must obtain separate car insurance for each jurisdiction they wish to enter. Please note here that even if you are going to...

    While we can’t help you obtain permits from the Hong Kong Transport Department, we can help with sourcing and arranging the required HZMB car insurance plans for Macau and Zhuhai. Kwiksure offers plans from 5 out of 6 of the designated cross-boundary motor insurance companies that provide one-step HZMB insurance solutions. We can also present plans...

  4. Founded in 2000, Kwiksure is a leading motorcycle insurance broker in Hong Kong comparing third-party and comprehensive motorcycle insurance plan quotes from over 60 insurers in Hong Kong.

  5. Car Insurance in Hong Kong. >> Third Party Car Insurance. What is Third Party Only Insurance ? Third Party Only insurance on a motor vehicle in Hong Kong will provide cover to the policyholder for their liability to third parties for property damage, injury, or death.

  6. Home >> Car Insurance in Hong Kong >> Repairing Your Vehicle Repairing Your Vehicle Repairing your Vehicle after an Accident Once the police have left the scene after an accident, you are typically able to leave with your vehicle, provided no major road traffic ...

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