After comparing multiple providers, we found that Kwiksure Motor Insurance offers some of the most affordable options in the city. In fact, clients often highlight the combination of low prices and comprehensive protection, making it a top choice for those seeking value.

Another major highlight is the company’s quick processing. Many clients receive cover quotes within hours. We also appreciate that they make things easy and hassle-free by allowing fast communication through WhatsApp and email. 

As for range, Kwiksure offers a wide range of coverage options tailored to different needs, as they can also cover various vehicle types. To give you an idea, they offer coverage for P-license holders, Learner’s License holders, electric cars, and second-hand cars.

They even offer specialty coverage for the Hong Kong-Macau-Zhuhai bridge and flexible solutions for expatriates. They also cater to various vehicle types, making them an excellent choice for a diverse client.

While most clients enjoy quick service, some mentioned minor delays when requesting renewals during busy times. However, considering they’ve served over 180,000 clients already, we find them a reliable choice for auto insurance in Hong Kong. 

Speedy service 

“Can’t ask for much more – speedy service, great communication on the phone and email, straight to the point and got the job done efficiently.  I’ve been with them for a number of years now and they never fail to disappoint.  And the pricing is excellent too.”

Simon Lee | Google Reviews

Reliable and prompt

“I am more than satisfied with the service of Kwiksure Insurance. They are totally reliable, polite, prompt in the service and answering questions. The premiums are at a reasonable cost.  I high recommend Kwicksure.”

Dennis Balcombe | Google Reviews

AIG Auto Insurance stood out to us for their broad coverage, which includes third-party only and comprehensive plans. 

Their comprehensive plan alone offers excellent value for most vehicle owners. It includes damage protection, cashless windscreen repair, and other valuable benefits, such as a seven-day rental car service. 

We also liked that they provide a quick and efficient online process. In fact, customers can get an instant quote, complete the application in under two minutes, and receive their policy documents within 15 minutes. All this is done online as well.

Regarding additional services, AIG won us over with their emergency support, including 24/7 roadside assistance. 

Additionally, filing warranties on repairs and claims is stress-free; clients say they never had any problems. Although we couldn’t get the exact numbers, we found that some claims were granted in hours. 

Their No Claim Discount (NCD) Protector adds value by maintaining discounts even after a claim.

AIG Auto Insurance does not cover commercial or business vehicles, which may be a limitation for business owners. However, it remains a strong option for private car owners, offering extensive coverage and fast processing.

Speedy and no-question-asked

“Last year I claim the daily hospital , just need 4 days and I received the money , no question but AXA need one month to receive the claim .”

Tse Ming Chu Shirley | Google Reviews

Detailed and very helpful

“Tell us about the details of your policy and help you deal with forgotten details. 👍👍👍👍 …”

Siu Wai Sam | Google Reviews

Zurich offers extensive coverage options for traditional and electric vehicles. We were particularly impressed with their new-for-old replacement policy, which guarantees a new car for up to three years if the old one is totaled. 

In addition, thanks to their 0% betterment policy, they don’t require any extra contributions for new parts. This keeps things stress-free for clients, which is a plus for us. 

As eco-conscious drivers, we also appreciated Zurich’s specialized coverage for electric vehicles. Their coverage includes the basics, from accidental battery damage to eco-friendly battery disposal.

Zurich’s 24-hour roadside assistance and towing services are absolute lifesavers on the road. Plus, their Garage-Pro service network made vehicle repairs smooth, extending their insurance benefits to more tangible perks. 

For frequent travelers, we liked Zurich’s Northbound Travel Insurance. This policy covers individuals for cross-border trips between Hong Kong and the Greater Bay Area. 

While some benefits, like temporary substitute vehicles or taxi reimbursement, are limited if repairs take under 14 days, we still felt that Zurich’s offerings provided solid value for the price. 

Great experience and excellent customer service

“Great experience with Zurich! Excellent customer service and very helpful advice. Their services have definitely improved over the years and I appreciate the efforts in taking customers advice seriously.”

Sumbie Sumbie | Google Reviews

Answer calls and claims quickly

“The service is attentive, calls are answered quickly, and insurance purchases and claims are handled very quickly.”

Anthony Tam | Google Reviews

We were impressed by Liberty International Insurance’s wide range of plans for various vehicles, from motorcycles to luxury cars. 

The No Claim Discount (NCD) protection, free windscreen cover, and 24-hour roadside assistance gave us peace of mind with plenty of benefits.

We were particularly impressed by their new-for-old compensation, which fully replaces new cars in case of total loss. The claims recovery service also made it easy for clients to recover damages, sometimes taking just a few hours. 

We find their Privilege Motor Insurance a good choice for luxury vehicles. It includes high third-party liability coverage, protection for personal belongings, and a 24-hour motor service concierge for priority claims and roadside assistance.

One downside is the model-specific eligibility for high-end cars like Aston Martin or Ferrari, which could limit options for other vehicle owners. 

Regardless, Liberty’s broad range of policies and excellent customer service make it a solid choice.

Fully covers needs

“Liberty proMediLink SME medical insurance fully cover my need,. My family members and I have bought Liberty insurance products including medical, critical illness and life over ten years.”

Mavis Loo | Google Reviews

Convenient communication

“Provide a communication and application platform through the Internat to bring convenience to users.”

Sai Hung Lo | Google Reviews

Red Asia Insurance met our standards, as their coverage includes accidents, third-party liabilities, and even natural disasters. These are adequate for most drivers looking for more straightforward approaches to insurance. 

We also liked the medical expense coverage for injured passengers, especially when traveling with family. It gave us an extra layer of security, especially considering Hong Kong’s high medical costs.

A standout feature we found was the third-party injury and property damage coverage, which covers legal fees and medical expenses. This added protection is a real bonus, given how expensive liability claims can get.

The additions are also solid. Red Asia offers coverage that protects against theft, vandalism, and fire damage. 

The only downside is that they don’t cover mechanical failures, rusting, or wear and tear unless a collision causes them. However, their optional breakdown assistance helps fill that gap.

Offers best advice and professional help

“Have been working with Red Asia Insurance since we founded Weavit one year ago. Best advice and professional help I got so far!”

Emmanuel Lefort | Google Reviews

Very responsive and efficient

“Red asia insurance team is very responsive and efficient! Very good and professional advices,.”

Valentin Maurel | Google Reviews