Been speaking to a Chinese person , and this is how car insurance works in mainland China ( may differ in Hong Kong ) ; You go into an office, ( or very often their rep will call at your home or office to suit you ), explain the situation , then purchase the policy , keeping the rep's card in your wallet.
If you have a crash or claim , you call your company's 24 hour landline, which after office hours diverts to the mobile number of on - duty assessors who aim to be with you asap, often within 15 - 20 mins , though not if no damage inflicted to third parties. So if you are involved in a prang with another motor , you will get your company's assessor on the spot , and if it's your fault and the damage is minimal , they will dish out cash to the other party there and then to settle the claim . If you are unhappy with the company's service , you call the guy who sold you the policy and get them to try and help.
Another interesting fact , due to the fast expanding market , there is no claim history for drivers , so if you have a big claim, by switching to another provider when the policy ends , you ' lose ' that claim and start afresh.
There is a lot of commission paid between insurance companies , salesmen and the body shops , and lots of dodgy claims . Consequently , motor insurers are losing money hand over fist, and the number of them is conversely increasing !!
Having visited China , I can attest to poor standards of driving in general . Some drivers beep their horn at least every 20 seconds , just to let others know they are there .
Worryingly, mainland Chinese can swap their licence for a Hong Kong one , which in turn can get swapped for a full UK licence... I wonder how that would stand up to scrutiny by a UK court / police in the event of a serious claim , where the policyholder - like my source - , informed the Ins. Co when buying the policy that they have a ' Full UK licence ? ' ?
Edited by motorprop on 04/06/2009 at 00:14
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>>>>Worryingly, mainland Chinese can swap their licence for a Hong Kong one , which in turn can get swapped for a full UK licence... I wonder how that would stand up to scrutiny by a UK court / police <<<<
As far as I am aware HK is no longer a British Protectrate and was returned to China so any Licence NOW issued there cannot be exchanged for a UK Licence.
DVLA site confirms. Not on their list for exchangability.
dvd
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Having visited China I can attest to poor standards of driving in general . Some drivers beep their horn at least every 20 seconds just to let others know they are there .
On a work trip stayed outside Beijing in hotel room overlooking a junction where traffic had to merge. There was a cacophony of horns blaring continuously from very early in the morning until late at night - it was just how it worked.
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I don't know, HK is part of cChina, and yet things sent from there never seem to attract customs & excise duty, as though some benefits are still in place.
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My housekeeper/assistant's affluent Chinese boyfriend (his dad just bought a new S600) took his Chinese test last summer.
It involved at least two weeks residential course hundreds of miles from where he lives.
So the Chinese are tightening up on driving standards.
(Unless, of course, the boy's dad sent him on a special course to try to ensure his safety.)
HJ
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my Chinese contact converted his HK licence within the last 2 years to a full UK one .
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