Every insurance coverage firm provides totally different automobile insurance coverage protection, so it’s best to select the suitable one. Kwiksure takes you to a deeper understanding of Bolttech Auto Insurance coverage Protection and pricing in 2026: An evaluation of the professionals and cons of Bolttech auto insurance coverage that will help you select probably the most appropriate automobile insurance coverage plan.
Bolttech Auto Insurance coverage Introduction
Established in 2020, Bolttech, previously referred to as FWD Insurance coverage Firm Restricted, is a member of the worldwide insurtech group, Bolttech Group. Bolttech Group operates throughout practically 40 markets on 4 continents and collaborates with tons of of insurance coverage corporations and enterprise companions, providing a variety of merchandise similar to Automobile insurance coverage, Journey insurance coverage, Higher Bay Space Straightforward Journey, helperCare, and Pet insurance coverage.
Bolttech Good Plus Automobile Insurance coverage provides reductions once in a while and offers a digital insurance coverage expertise, supporting on the spot on-line quotes, insurance coverage purchases, and quick claims companies.
Bolttech Third-Occasion Legal responsibility Insurance coverage Plan
Bolttech Good Plus Third-Occasion Insurance coverage Plan covers the dying or bodily damage of a 3rd occasion attributable to an accident, in addition to losses to different individuals’s property, however doesn’t embody injury to the insured’s personal car or medical bills.
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Bolttech Third-Occasion Insurance coverage Protection
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The third occasion dies or is injured.
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HK$100 million
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Third-party property loss
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HK$2 million
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Bolttech Complete Auto Insurance coverage Plan
Bolttech’s complete insurance coverage service offers third-party legal responsibility insurance coverage, in addition to compensation for private accidents and the insured’s personal car. It additionally contains windshield and window safety. If the car is stolen and never recovered inside 48 hours, or whether it is repaired in a storage for greater than 48 hours as a result of an accident, a backup car can be organized for the proprietor. There’s additionally no-claims low cost safety and a brand new automobile trade-in safety.
Bolttech Auto Insurance coverage No Claims Low cost (NCD)
Bolttech’s “No Declare Low cost Safety” for complete auto insurance coverage offers a security web: so long as the claims inside a yr don’t exceed HK$60,000 or 15% of the insured quantity, the unique No Declare Low cost (NCD) might be retained.
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Comparability of common automobile insurance coverage and Bolttech’s no-claims low cost protection (personal automobile)
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No declare interval
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Typical automobile insurance coverage low cost ranges
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Bolttech Full Safety
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Lower than a yr
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0%
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0%
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One yr
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20%
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20%
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For 2 consecutive years
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30%
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30%
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Three consecutive years
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40%
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40%
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4 consecutive years
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50%
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50%
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5 consecutive years or extra
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60%
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60%
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No-claim low cost safety
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HK$50,000 to HK$60,000 per yr
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HK$60,000 per yr or 15% of the insured quantity
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*Relevant solely to designated service suppliers
Bolttech Auto Insurance coverage Protection and Protection Quantity
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Third-party Insurance coverage
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Complete Insurance coverage
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Third-party legal responsibility
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The third occasion dies or is injured.
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HK$100 million
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HK$100 million
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Third-party property loss
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HK$2 million
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HK$3 million
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Serve
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24-hour emergency roadside help
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✕
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✓
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24-hour free towing service
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✕
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✓ (Most $2,000)
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Insured’s personal and car accidents
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Harm to 1’s personal automobile
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✕
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Market worth / insured quantity
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Private accident
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✕
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HK$250,000
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Medical expense reimbursement
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✕
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✓ (Most $2,000)
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Windshield and window safety
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✕
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HK$5,000
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Further safety for electrical automobiles
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Charging station injury safety
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✕
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✓ (Every year, most $5,000)
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Prolonged Legal responsibility Protection for Electrical Car Chargers
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✕
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HK$2 million
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restore
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Commerce-in assure
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✕
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✓ (Relevant to model new automobiles)
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Zero-depreciation elements restore
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✕
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✓
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Different protections
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No-claim low cost safety
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✕
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✓
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Declare restoration companies
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✕
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✓
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Momentary substitute car
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✕
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✓ (1,000 per day, most $5,000)
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Bolttech Third-Occasion Protection and Complete Protection Comparability
Instance 1: Seven-seater gasoline automobile
For instance, a 35-year-old driver with a 6-year driving historical past, 60% NCD, and a 2023 Toyota Sienta (insured quantity of HKD 250,000).
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Insurance coverage Firm
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Third-party Insurance coverage
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Complete Insurance coverage
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bolttech (FWD Good Driving Plus)
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$2,062
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$5,933
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Allianz Auto Insurance coverage
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$1,527
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$3,977
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Ping An Insurance coverage (Hong Kong)
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$1,851
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$4,776
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$2,029
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$3,831
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Dah Sing Financial institution
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$1,560
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$5,210
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$2,092
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$5,577
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*The above costs are for reference solely as of March 4, 2026. All info is topic to the bulletins of the related insurance coverage corporations.
Instance 2: Electrical car
For instance, a driver who’s 50 years outdated, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured quantity of HKD 300,000) in 2023.
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Insurance coverage Firm
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Third-party Insurance coverage
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Complete Insurance coverage
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bolttech (FWD Good Driving Plus)
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$2,062
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$5,136
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Allianz Auto Insurance coverage
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$5,470
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$4,890
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Ping An Insurance coverage (Hong Kong)
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$1,851
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$5,006
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$3,429
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$4,256
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Dah Sing Financial institution
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$1,560
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$4,680
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$2,092
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$4,944
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*The above costs are for reference solely as of March 4, 2026. All info is topic to the bulletins of the related insurance coverage corporations.
With over 25 years {of professional} expertise, Kwiksure compares Insurance coverage Plans from over 60 insurance coverage corporations to supply ultra-low premiums for complete and third-party insurance coverage protection.
Bolttech Auto Insurance coverage Protection Comparability
Complete auto insurance coverage
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Insurance coverage Firm
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Self-insurance for car injury
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No-claim low cost safety
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Medical expense reimbursement
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Automobile rental/constitution assure
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Automotive glass
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Misplaced automobile keys
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bolttech (FWD Good Driving Plus)
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✓
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$60,000 or 15% of the insured quantity
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$2,000
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80% of the hire (most protection of $1,000 per day, most protection of $5,000 per incident).
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Windshield ($5,000)
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✕
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Allianz Auto Insurance coverage
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✓
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$100,000
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$10,000
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$1,000 per day, most 5 days
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Windshield/Window ($5,000)
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✕
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Ping An Insurance coverage (Hong Kong)
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✓
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$60,000 or 15% of the insured quantity
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✓
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Free shuttle service offered
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All automobile home windows ($3,000)
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$10,000
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✓
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$60,000 or 20% of the insured quantity
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$4,000
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$4,000 per accident or per protection interval (most $1,000 per day)
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Windshield ($5,000)
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✕
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Dah Sing Financial institution
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✓
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$60,000 or 15% of the insured quantity
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✕
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80% of the hire (most protection of $1,000 per day, most protection of $5,000 per incident)
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Windshield/Sunroof ($5,000)
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✕
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✓
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$50,000 or 15% of the insured quantity
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$2,000
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$500 / day
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Windshield (no change required)
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$2,000
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*All info is topic to the bulletins of the related insurance coverage corporations.
Third-party insurance coverage for cars
Bolttech Auto Insurance coverage: Benefits and Disadvantages
Benefits
- Bolttech’s complete windshield protection contains the windshield, aspect home windows, and rear window, providing extra complete protection than another automobile insurance policy.
- It comes with an extra insurance coverage coverage for electrical automobiles, offering compensation of as much as HK$5,000 within the occasion of unintentional injury to the charger.
- It helps real-time on-line quotes and insurance coverage purposes with a easy course of, and likewise permits on-line claims.
shortcomings
- The medical expense compensation for every accident is just HK$2,000, which is probably not sufficient to cowl medical bills.
- Accident protection for registered drivers is just HK$100,000, barely decrease than the protection supplied by different insurance coverage corporations available on the market.
- Third-party legal responsibility insurance coverage solely covers the legal responsibility of third events and doesn’t embody 24-hour emergency roadside help or free towing service.
Extra details about Bolttech automobile insurance coverage
Bolttech’s official web site offers automobile insurance coverage with fast quotes. Insurance coverage might be bought instantly on-line, and the insured can even submit Insurance coverage claims instantly on the web site. The webpage additionally offers varied insurance coverage product info, Industrial merchandise, and the most recent information.
Bolttech Auto Insurance coverage FAQs
How can I contact Bolttech?
To contact Bolttech, please name +852 5803 3558 throughout workplace hours or electronic mail [email protected].
How do I file a declare with Bolttech Auto Insurance coverage?
First, you might want to collect the required paperwork and go to Bolttech’s official web site to fill out the car accident report kind. Then electronic mail the finished kind together with related paperwork to [email protected]. Alternatively, you possibly can mail your utility to 9/F, 308 Des Voeux Highway Central, Sheung Wan, Hong Kong. After submission, Bolttech will overview and assess the appliance and provoke the claims course of.
How can I get a quote for Bolttech automobile insurance coverage?
Bolttech’s official web site provides on the spot on-line quotes; merely enter your fundamental info to get premium particulars. Kwiksure additionally offers real-time quotes and insurance coverage protection.
Does Bolttech supply insurance coverage for automobiles touring from Hong Kong to the mainland?
Sure. Bolttech offers Northbound Journey for Hong Kong Automobiles ( “Unilateral recognition” Insurance coverage). This is applicable solely to prospects of Bolttech Good Plus Automobile Insurance coverage.
How can I discover out the most recent provides on Bolttech auto insurance coverage?
To search out out the most recent Bolttech auto insurance coverage provides, you possibly can go to the Bolttech official web site or contact them instantly. Kwiksure can even give you the most recent automobile insurance coverage offers and examine premiums from over 60 insurance coverage corporations.
Different Bolttech insurance coverage
Other than Complete auto insurance coverage and third-party legal responsibility insurance coverage, Bolttech additionally offers HZMB automobile insurance coverage, GBA Straightforward Journey, Straightforward HomeCare, PetCare, and Industrial insurance coverage plans out there for buy.