Falken 飛勁 日本製 FK520

 

**English version below**

由差評變好評, 見証住Falken 輪胎的改變. 當年的 FK453 就算係高性能輪胎的確係麻麻. 總會聽到唔少人話: 

"飛勁? 我聽出面啲人話差差地嫁喎." 

 "我自己試過啦, 不了"

直到FK510 既出現, 終於將輪胎既性能帶上一個層次. 先唔講係其他地區吹到呢款呔有幾勁. (講到真係好誇張, 又話可以拍得住 Michelin Pilot Sport 4 ), 裝過FK510 既車主, 大部分既人都揀再裝番. 當然有一批都係揀番大牌子. 係日本製輪胎當中, 價錢, 性能都吸引左唔少車主試. 特別係價錢上完勝同一間廠製造既 日本製  Dunlop Sport Maxx 050+ . 除非Sport Maxx 050+ 做大特價 (曾經以半折出售), 當年都好易係呢兩者作出選擇.

https://www.tyrehood.com/brands/falken/FK510.php

細尺寸既款式 ZE310 都採用左 FK510 既花紋, 可以睇得出飛勁做出黎既進步.

本身都好想試下FK510 既我, 個陣最後裝左 Dunlop Sport Maxx 050+. (做緊特價, 冇理由唔試麻..)

https://tyrehood.blogspot.com/2021/11/dunlop-sport-maxx-050-high-performance.html

直到兩年前, 全新款FK520 推出, 續一取代FK510. 全新花紋令行車嘈音降底. (按理上咬地性能都應該有增加, 不過有人話好似冇乜分別.) 而我, 終於都裝左 4條 FK520 落部車到.

尺寸: 225/50 R18

型號: Falken FK520

汽車型號: Toyota Vellfire Hybrid

1) 舒適: 中至高等. 始終係高性能輪胎. 但係絕對係唔差.

2) 聲音: 中等偏靜. 但對於平時播歌既我, 就算用手機開youtube 都聽得清. (我部sony android 開speaker 唔係太大聲的)

3) 濕地: 100km/h 上天橋轉彎中間個塊鐵皮都好隱陣. 

4) 耐用度: 同FK510 一樣算係正常損耗速度.

雖說呢款呔係非常岩我, 但非所有人都一定岩用. e.g. 有個客反映 Yokohama V701 既濕地性能始終都係較優勝. 

(**V701 係單向紋, 單向紋濕地一向係最出色

https://tyrehood.blogspot.com/2020/09/tyre-pattern-overview.html )

部分尺寸未有提供FK520, 只有FK510 仲繼續銷售. FK520 比FK510 貴左大約 $50 - $100/條. 而有部分尺寸既FK520 貴過 Dunlop Sport Maxx 060+. 對於兩者都出自於同一間廠, 自己好難唔去成日比較呢兩款既價錢. 從而變得 Sport Maxx 060+ 有機會較岩價錢既心水.

港車北上絕對係其一必備輪胎. 點解走長途要用好啲既呔? 因為走高速少不免一定過 120km/h. 所需同香港大有分別. 因為想慳錢, 求其裝不知名既牌子的話... 其實會唔會係香港裝番更出名既 賽輪 中國製會更好?

#個人保險牌照  JH7091

#強積金中介人牌照: 156845

 #輪胎氣壓感應器 #替代原配氣壓感應器 #替代原裝氣壓感應器

#汽車保險 (#私家車, #貨車, #電單車) #旅遊保險 #工程保險 #個人保險 #團體醫療保險 #勞保 #醫保 

------------------------------

From negative to positive feedback. Experiencing how Falken tyres change its performance from its old model high performance tyre FK453, to the latest model FK510, and FK520. Back in the past, there are still some saying :

"Falken? I heard its performance is bad"

"I tried it before. Nah"

The release of FK510 finally gives a good impression to the drivers. Neglect how it was exaggerated about its performance in other markets (some said that its performance is on par with Michelin Pilot Sport 4 on other markets), those who installed FK510 chose to keep using it for the next replacement. 

Still, there are some preferred back a higher top brands. Under the category of Made in Japan, its pricing and performance attracts quite a lot of drivers to try out. Especially the pricing won over its counterparts Dunlop Sport Maxx 050+ in which it was manufactured at the same factory. Unless Sport Maxx 050+ had a great promotion (there was a time it was sold half the original price), it's easy to choose between the two.

https://www.tyrehood.com/en/brands/falken/FK510.php

Even ZE310 (which only offers smaller size) copied FK510 tread pattern. It can be referenced how big a improvement has made for Falken.

Although FK510 received numerous great feedback, I chose Dunlop Sport Maxx 050+. (with promotion at that time.)

https://tyrehood.blogspot.com/2021/11/dunlop-sport-maxx-050-high-performance.html

Two years ago, a new model FK520 released to replace FK510. New tread pattern reduces noise level. A few comments on its quietness but performance seems to be the same. It's finally my turn to try out Falken tyre.

Size: 225/50 R18

Model: Falken FK520

Vehicle: Toyota Vellfire Hybrid

1) Comfort: Mid to high level. It's high performance tyre afterall. 

2) Noise: Considered quiet. I still can hear my android phone play youtube with speaker on (sony android phone speaker volume is not that high level)

3) Wet performance: No problem with 100km/h crossing the bridge metal connection.

4) Durability: No difference with FK510 

It may suit my requirement does not mean it suit everyone's. A customer comments that Yokohama V701 wet performance is still better than FK520.

(**V701 is directional tread pattern. Directional pattern has good wet performance compared to others.

https://tyrehood.blogspot.com/2020/09/tyre-pattern-overview.html )

Some sizes do not have FK520 available. FK520 is more expensive than FK510 by around $50 - $100/tyre. With some sizes more expensive than Dunlop Sport Maxx 060+. It's hard for me not to compare these two. Afterall they comes from the same manufacturer. 

In conclusion, Falken FK520 is one of the must installed tyres for North Bound Travel. It might be unavoidable to travel over 120km/h for highway. North Bound travel needs a higher requirement for tyres. Even if you want to get your expenses lower by installing an unknown brand, will it be better to install the China brand Sailun (top 10 tyre brands in value) in Hong Kong

#IndividualInsuranceAgentLicense JH7091

#MPF Intermediary License: 156845

#TPMS #TyrePressureMonitorSystem 

#VehicleInsurance #TravelInsurance #PersonalInsurance

部車有酸臭味, 會唔會係電池問題? The vehicle got a foul smell, could it be the battery issue?

 

(English version at the bottom)

有冇見過電池會脹起? 有冇曾經企係電池隔離聞過有種強烈既異味? 有冇聽過電池(唔係鋰電)會爆炸? 

好難得先俾我影到電池有問題時既情況. 就算電池脹起都好難就咁用相睇得出. 唔知大家係影片到睇唔睇到白煙一直由電池氣孔到發出...

咁多年內, 見過電池脹起次數都不算特別多. 當中包括歐洲車款原配電池. 但脹起唔代表會有異味. 有異味都唔代表住電池會脹起. 

異味聞起黎似 ammonia (唔知中文係咩. 當年中學化學做實驗時要聞, 因為聞唔到, 所以我成個頭放係正個test tube 上一聞就 💀. 太深刻 )

🔍上圖既出現絕對唔關電池品質問題. 白煙出現係因為電池水"水滾". 如果有人話您知係電池品牌問題, 我係到話您知, 有部 "L" 字既新車原裝跟車AGM電池發生同樣問題. "水滾"原因唔多講. 可以係短暫性但(對電池)有致命性. 呢個情況下, 先更換電池後再檢查下部車有冇咩特別問題. 唔check 車的話, 一年內粒電池又再死多次可証實部車有啲問題.

👀 曾經有提過私家車如果有排氣管係車身最好都係裝落粒電池到. 如果唔岩裝的話可以3D 打印整番個轉換器裝入去 (排氣管會疏通番啲氣出車外). 通常汽車配有排氣管係為左避免氣體累積係車入面. 累積一定濃度+某條件係會爆炸. (因為 hydrogen) 💥 但應該唔會出現. 因為您一定會頂唔順個味. 如果有人話您知, 排氣管冇用, 咁係因為未用得著. 

❓混能(hybrid)及電動車會唔會發生呢樣野? 我99%肯定話您知唔會. 呢兩款既"火牛" 實在太耐用. 直到目前為止 (e.g. Prius 10幾年車) 都未發生過任何問題. 仲有1%係因為我未夠足夠數據....

如果有日, 突然聞到部車有啲唔正常既氣味, 不妨都睇埋會唔會係粒電池問題.

電池分類 (邊款先係部車岩用)

https://tyrehood.blogspot.com/2021/03/getting-the-right-size-of-the-battery.html

https://tyrehood.blogspot.com/2021/03/battery-type.html

電池問題

https://tyrehood.blogspot.com/2023/07/battery-issues-indicator-shows-replaced.html

https://tyrehood.blogspot.com/2022/03/signs-of-failing-automotive-battery.html

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Ever seen an automotive battery casing defected? Ever smell something awful when stand near a battery? Ever heard of a non lithium battery could explode?

it's rare for me able to take a video of battery issue while the car is running. It's hard to look a defected casing battery in an image. Not sure if you can manage to see white smoke coming out from the battery in the video.

Over the years it's not common to see battery casing defect which include an original equipped battery from a Europe manufactured vehicle. A defect of the battery casing might not produce awful smell, vice versa. 

The awful smell like ammonia, in which I had experienced by placing my nose on top of the test tube for an experiment during my secondary school chem lab. It was too shocking💀

🔍 The above cause is NOT related to battery quality. The white smoke coming out from the battery is due to the boiling of the acid. If someone were to tell you that it must be the low quality of some not famous battery brands, I can tell you that the original equipped AGM battery from a "L" (new) vehicle got this issue as well. The cause can vary. It can be short-lived but deadly (to the battery). In this case, battery replacement is the first priority and vehicle inspection is required afterwards. Otherwise, you could wait for a year. If battery dies again, it implies there is a problem with your vehicle. 

👀 It was mentioned previously that if you vehicle has a tube near the battery location, it is recommended to connect to the battery hole at the side. If it cannot be connected, you can 3d print the converter to connect it (for transferring the gas outside of the vehicle). Vehicles normally contain this tube to avoid accumulating the gas inside the vehicle. If such gas was accumulated to a certain concentration + a certain condition, your car will explode. (mainly due to hydrogen accumulation)💥 But it shouldn't be happened because the smell is too strong for you to keep driving. 

❓ Will hybrid and EV experience such issue? I can highly certain that the transformer of these vehicles are very durable. Up until now, (e.g. Prius 10 something years vehicle) had never experience any issues. The only thing that is lacking is the data to support it.

If you happen to smell something foul one day, check out your battery to see if there is any problem with it.

Battery Category (which one is suitable)

https://tyrehood.blogspot.com/2021/03/getting-the-right-size-of-the-battery.html

https://tyrehood.blogspot.com/2021/03/battery-type.html

Battery issue

https://tyrehood.blogspot.com/2023/07/battery-issues-indicator-shows-replaced.html

https://tyrehood.blogspot.com/2022/03/signs-of-failing-automotive-battery.html

全新台灣牌子建大電動車輪胎 Taiwan brand Kenda Electric Vehicle Tyre

 *English version below*

建大(私家車)輪胎係香港市場銷售都有一段日子. 係以前既香港市場入面, 台灣牌子既定位通常都係俾唔想用 中國牌子(中國製) 既呔. 電動車出現, 差不多每一個買入電動車既車主, 唔知點解會有個想法, 就係要裝 "電動車輪胎". 更不在意中國製既 EV呔.

*******************************************

**留位更新**

*******************************************

市場越多需求, 就一定會越多供應. 現時已知的 行貨及水貨 "專屬電動車輪胎",  包括:

			Telsa Model Y  255/45 R19 HK$
Michelin  米芝蓮	Pilot Sport EV	行貨: 中國/泰國製 水貨: 中國/泰國/歐洲製	2390 - 2780
Michelin	e primacy	水貨: 歐洲製	1710 - 1880
Yokohama	Advan Sport EV (V108)	行貨: 日本製	2310
Bridgestone 石橋	T005 EV	行貨: 中國製	1930 - 2020
Goodyear	Electric Drive	行貨: 中國製	2080
Dunlop 鄧祿普	e.Sport Maxx	行貨: 中國製	1350 - 1700
Kumho 錦湖	HP71 EV	行貨: 韓國製	1500 - 1550
Kumho 錦湖	PS71 EV	行貨: 韓國製	-
Sailun  賽輪	Erange EV	行貨: 中國製	1130
Kenda 建大	KR616 EV	行貨: 中國製	首批試玩價保證底於 $1050 Tyrehood 客戶額外再減.

(2025年2月21日)

如果加埋我未知的電動車輪胎款式, 應該有超過十款. 有啲Tesla 車主第一次換呔聽到Michelin 個價差唔多 $3000/條 就眼都突埋, 即時同我 say "88". 

有部分人都未肯願意換EV 呔既主因係 EV呔都比普通呔貴. 以 Kumho 普通呔 PS91, $1350/條, 對比 HP71 EV, 都差大約 $200/條. 若EV呔價錢可以再平, 會唔會多人試 --------> 建大輪胎 全新款 KR616 EV

今次(台灣牌子)建大新出既 #電動車輪胎 #EV呔, 進口香港銷售決定首次發售撳低個價, 俾大家以底價試下高性能 EV呔, 搶您過黎試下. 

同大家講下 建大呢個台灣牌子. 

當年首次推出既 台灣製 高性能輪胎 KR400, 同埋 舒適型 KR30, KR400 係唔少人貨van 及 大霸王, alphard等既首推輪胎. 基本上9成以上車主裝完之後都會再繼續裝, 因為耐用性實在太高. 咬地性能又岩心水, 係個幾年其中熱賣既牌子之一.

係外國市場銷售既 KR210 仲被評分為 TCS評級: 推薦 及 ADAC評級: 滿意

雖然冇係香港銷售, 用作參考, 其他所輪胎款式性能不容小覷.

今次建大輪胎新出既EV 呔, 一定係必試最少兩條. 論價錢, EV呔中可能係全港最平. 論性能, 可能比不上 Michelin 呢啲咁高級既牌子但相信不輸同為 中國製既EV 呔.

係確認日期到港時會再更新價錢, 及其歐盟標籤數值作參加.

#個人保險牌照 #IndividualInsuranceAgentLicense JH7091

#強積金中介人牌照 #MPF Intermediary License: 156845

#TPMS #TyrePressureMonitorSystem #呔氣sensor #胎氣sensor #輪胎氣壓感應器 #替代原配氣壓感應器 #替代原裝氣壓感應器 #Tyrehood #呔酷

#汽車保險 (#私家車, #貨車, #電單車) #旅遊保險 #工程保險 #個人保險 #團體醫療保險 #勞保 #醫保 

#VehicleInsurance #TravelInsurance #PersonalInsurance

-----------------------------------------

Kenda (passenger) tyre has its standing in HK for quite some time. Taiwan brand market positioning in HK is "deemed" to be for drivers who do not want made in China tyres. With the (still) rising Electric vehicle, some owners tend to prefer EV tyres (and do not mind made in China EV tyres).

*******************************************

**Space for update**

*******************************************

With increasing demand, supply increases. (perfect market condition)

Known EV tyres available include:

			Telsa Model Y  255/45 R19 HK$
Michelin	Pilot Sport EV	Authorized Official: made in China/Thailand Parallel imported: made in China/Thailand/Europe	2390 - 2780
Michelin	e primacy	Parallel imported:  made in Europe	1710 - 1880
Yokohama	Advan Sport EV (V108)	Authorized Official:  made in Japan	2310
Bridgestone	T005 EV	Authorized Official:  made in China	1930 - 2020
Goodyear	Electric Drive	Authorized Official:  made in China	2080
Dunlop	e.Sport Maxx	Authorized Official:  made in China	1350 - 1700
Kumho	HP71 EV	Authorized Official:  made in Korea	1500 - 1550
Kumho	PS71 EV	Authorized Official:  made in Korea	-
Sailun	Erange EV	Authorized Official:  made in China	1130
Kenda	KR616 EV	Authorized Official:  made in China	Guarantee lower than $1050 (for first batch of tyres) Tyrehood customers can enjoy further discount

(21 feb 2025)

With other unknown EV tyres might be available, there should be over 10 EV models to choose. Some Tesla owners was shocked to hear Michelin price around $3000/tyre and immediately leave.

Some still prefer normal tyres other than EV tyres beacuse of the price difference. A normal Kumo PS91 $1350/tyre vs HP71 EV , a $200 difference. If EV tyres price can bring down to even lower price..... Kenda tyre latest model KR616 EV

This time, (Taiwan brand) Kenda #ElectricVehicleTyre #EVtire, will be sold in Hong Kong at a promotional testing price for the first batch. Let you try out the high performance EV tyre. 

When Kenda first entered Hong Kong market, its high performance tyre KR400 is one of the first choice for light goods vehicles, Toyota estima, alphard etc. Most owners keep using it after first use as its tread wear ratio is very high, and its traction meets their requirements.

In the Europe market, KR210 was awarded TCS : recommended, and ADAC : satisfactory.

Although Kenda does not sold this model in HK, it can be referred its performance for other models cannot be underestimated.

As such, this Kenda EV tyres is this year must try models. For its price, it could be the lowest of all EV tyres available in HK. For its performance, it might not be as top as Michelin such top brand but it will not lose to other made in China EV tyres.

Price will be confirmed before the goods arrive to HK, with its EU label value to be updated for reference.

扣稅年金, 扣稅自願強積金, 到底需唔需要? 邊個先岩自己? Qualifying Deferred Annuity Policy vs Tax Deductible MPF Voluntary Contributions, do I need it? which one is preferable?

 (English version below)

每年既年尾到3月31日, 不論係社交媒體, 討論區等, 只要您上網睇野都會好大機會見到網上廣告關於扣稅, 比較多既係扣稅年金 ("QDAP").

用6萬 去慳到最高稅額 $10,200 既 扣稅年金 / 可扣稅自願性MPF供款, 只係當您既計算稅額去到至少 $260,000 (現時 $50,000 @ 2%, 6%, 10%, 14%, 17% 累進税率計算.  因應政府推出的稅務計劃而變更).

👂 有冇需要買?

如果您認為而家呢刻存起 $ 俾您將來用就可以賺多, 唔係交出最多既 $10,200 的話, 仲駛諗既?

但係, 如果您係公司持有人 (不論係無限公司定係有限公司), 都可以利用呢個方法慳到稅 (如果作為持有人既您仲未買的話).
-> 如果您係有限公司持有人的話, 兩級制税率去到16.5%計算的話, 就會慳最高$9900 稅. 就算去唔到16.5%, 最高都慳 $4950 稅. 

-> 如果您係無限公司持有人的話, 就算您唔用兩級制税率計算都有機會去到自己既 17%制税率. 

(公司條數唔係自己計? 我估您既會計都唔會話您到俾您知.)

好多公司持有人都會想盡方法去 "增加" 公司既支出從而減少稅項. 但有冇諗過如果 touchwood 有日需要對另一方提出索賠不只是醫療費用仲有您既收入時, 您估您張稅單會唔會係其中一個考慮因素?

到底買邊個先好?  扣稅年金 "QDAP" vs 扣稅自願強積金 (TVC)

	扣稅年金	扣稅自願強積金供款
最少供款	$36,000/年 (最少總共要供 $180,000) 每年供款 / 一次繳清	視計劃詳情 $300/月, or $3000/年 供款額可以更改
最少供款年期	5年	無
提取	最快55歲 , 直到85 - 100歲	65歲
提取款額	每個月 一筆特定金額	戶口內所有 或 自己想提取的金額
類別	儲蓄保險	MPF
回報	保證及非保證金額	視您自己的投資決定, 需定期查看投資風險並判斷是否需要更換投資類別. MPF 當中一定會有保守基金, 及保證基金
額外保障	可於一段期間內享有人壽, 意外, 危疾 保障	無

睇下自己想要既扣稅計劃, 到底邊一樣較為重要, 

• 您係想黎緊 5 - 10年內都一直會扣稅 (預計有足夠現金流), 定係因應每年既計劃去作出調整供款, 定還是只需要今年內扣稅? 

• 您會唔會想係到左提取既年齡時一筆過拎?

• 您需唔需要額外既保障 ?
• 您會唔會驚第時太多錢係身, 會大洗唔想咁快拎晒啲錢?

Note:

- 若您決定購買兩者, TVC 供款會先用於扣除再到QDAP 供款.

- 您既公司MPF 入面既自願性強積金供款 係有別於 扣稅自願強積金供款. 公司入面個個自願性強積金供款係唔可以用黎做扣稅.

-----------------------------------------

Every year ends to the next year 31st Mar, whether it's social media, forum, as long as you access to the Internet, you will surely get an advertisement about tax deduction, mostly focusing on Qualifying Deferred Annuity Policy. (aka "QDAP").

With all the focus on saving up to $10,200 tax for spending maximum $60,000 (actual spending $49,800) on QDAP/ Tax Deductible voluntary MPF, it is attractive enough for a "long period of time deposit saving". That's only if your net chargeable income is at least $260,000 (for the current $50,000 @ 2%, 6%, 10%, 14%, 17% progressive tax rate. Of course the amount will change subject to government tax plan).

👂 Do you need it?

That's if you believe this $10,200 is good enough for you to spend extra $49,800 for your saving in the future

As a business owner (unlimited company or limited company), this plan is SURELY one of your consideration to reduce your tax (if you have not bought it). Think about it,

-> if you hold a limited company, your two tier tax rate normally exceed to 16.5% for calculation. That's a maximum of $9,900 tax payment that you can save (or I could say, earn it). Even if it does not go beyond 16.5%, you can still save a maximum of $4950 tax payment.

-> if you are unlimited company owners, you normally won't go for the two tiers, but still possible reaching the 17% tax tier. 

(You are not aware of your company statement? I doubt your accountant will tell you about it. )

Yet, many owners keep finding ways to "increase" your statement expenses in order to reduce tax payment. But none has ever thought of, Touch wood, as a victim that needs to file claim against the other party for medical expenses and income revenue, will your tax income report becomes one of the salient consideration ?

Which one to choose?  "QDAP" vs Tax Deductible Voluntary MPF Contribution (TVC)

	QDAP	Tax Deductible Voluntary MPF  Contribution
Minimum Amount  Contribution	$36,000/year (Total amount minimum must be $180,000) Paid by year or in one go	depending on the plan,  $300/month, or $3000/year Contribution amount can be adjusted
Minimum  Contribution period	At least 5 years	No restriction
Withdraw period	At the age of 55, withdraw until 85 - 100	At the age of 65
Withdraw amount	a certain amount based on the plan EACH month	your desired amount in your account upon submission, or ALL the amount in the account
Category	saving insurance plan	MPF plan
Investment return	guarantee return + non guarantee return it's a saving insurance	based on your investment decision. Require you to check out and make any changes on investment if needed There is always a Conservative Fund and guaranteed fund in it.
Extra protection	offer a sum of life insurance, accidental insurance, critical illness protection in a certain period	None

Depending on your priority of what you want in your tax deduction, these should help you decide your tax deduction plan

• Do you want keep reducing your tax in the next 5 - 10 years (with sufficient cash flow), or do you want to adjust your contribution based on your calculation in the statement each year (or simply just want to reduce your tax this year)?

• Do you want to withdraw all the amount at one go at the age of withdrawal ?

• Do you want extra protection ?

Note:

- If you decide to purchase both QDAP and TVC, contribution to TVC amount will be deducted first before the QDAP premium in the tax deduction.

- Voluntary MPF contribution (in your company plan) is different from Tax Deductible Voluntary MPF contribution. Voluntary MPF contribution cannot be used for tax deduction.

汽車指南 - 學車考牌篇 Vehicle Guide - Get a license

(this article does not provide English version)

過得黎鋪頭, 所有客都一定已經有晒車牌啦. 仲駛乜再考慮要學車呢? 您唔駛, 可能您身邊既人要呢? 而家啲車越黎越平, 唔排除第時10萬內都有既全新0手車先諗不如考番個車牌就太遲吧? 就算唔係香港渣, 都會有諗住係去旅行渣. 去日本沖繩, 成班人, 渣車好過坐車吧? 

🚗買部二手車P牌練車, 2萬左右冇穿冇爛其實都有交易.

電動車既出現, 而家10幾萬都有部全新車. 

🚘維修費貴? 如果自己識得保養好, 電池又用耐啲, 呔又可以用耐啲. 但您買部 Tesla 要預左換呔一定貴.

(如果諗住自己港車北上, 有啲野整完之後出事係有發生過的. 寧願係內地換呔都唔係香港換? 有事上黎就預左我咩都唔講啦. 打開鋪頭做生意, 您係第二度換完呔問我關於呔既問題, 點解您又唔問您換個間呔鋪呢? )

💸其實最大支出係停車場費. 現時見室內停車場每月係 $3600 - $4000 左右. 只要呢條數cover到一半, 養一部車就會變左易得多. 用得多部車, 條數仲更加值.

考車牌除左係香港考之外, 而家都有唔少人係大陸到考. 

如果您決定係香港考, 出面自己搵師傅上堂的話, 可以搵下 下面呢位師傅睇下岩唔岩您? 港九新界都可以預約.

whatsapp 聯絡: 9447 3930

https://www.instagram.com/pass_with_me_driving_school_hk?igsh=bGt1NDJybmx4Yzhz

雖然我當年一take pass 個陣都係考街搵李建, 不過聽講而家啲考車費越黎越貴. 唔少都自己出去搵.

最近就有個朋友係香港考左第一次fail左之後, 覺得個標準太不一, 決定去番大陸考. (佢仲考緊)

價錢: (筆試加路試上堂所有加埋) 大約 RMB5000幾
筆試: 未考之前, 需要做兩次100題既題目 (需要係指定時間內完成及答岩90條). 當中包括路線, 指示牌, 交警手勢指示等... (冇notes, 要自己上網溫). 筆試考兩次.

路試: 未落實報之前都需要"學習指定時數". 正式考時當日有5次機會可以重考. (考1次泊位, 1次路試. 好似話泊位要係指定時間內完成兩次唔同既泊位方式.)

按道理上, 內地所考既車牌比香港除左較考得多野之外, 仲需要更多時間去學習. 對比係香港, 係學習路面時, 其實學得比較更多野. 考到牌後隔左段時間可以申請香港駕駛牌照. 

如果掙扎緊, 到底係香港考定係內地考, 應該點都先試下係香港考. (考完再上內地補下鐘). (個人認為) 您係香港咁細既地方都渣得掂, 就算港車北上 或申請國際牌去第二度渣都一定難唔到您. 係香港考左後覺得被人tick錯, 改去內地考都應該難唔到您.

續領車輛牌照智方便 Ease of Renewal Vehicle License with 'iAm Smart+'

 (English version at the bottom)

做到慳錢, 慳時間, 必定係政府出既 "智方便" 去幫自己部車搞續牌.

只需要您有呢幾樣文件: a)驗車合格紙, b)保險證明 (Certificate of Insurance [aka C.I.] 或 有效的Cover Note), c)正本牌薄, d)3個月內住址證明, 用您部手機影底晒後, 隨時隨地您都可以用智方便 搞續牌 上網俾埋錢. 除非您太遲搞, 最後都要親身到運輸署處理.

10個工作日內就會掛號信寄去您住址. 

智方便除左搞續牌, 仲可以申請埋國際車牌 (都係10個工作日內), 同埋唔駛您用密碼都可以登入及處理大部分其他唔同政府部門網站您需要處理既事務, 包括每年網上報稅 (員工包括有限公司董事需要自行報稅都係員工, 無限公司持有人: 生意額少於200萬), 就唔駛記住自己個 TIN 號碼同密碼. 係必定要下載使用既 app 之一.

使用智方便+ 方法

1) Google play (Android) 或 App Store (iphone) 輸入 "智方便".  會顯示 "智方便 iAM Smart
下載呢個apps, 

直接登記, 好似係要配有 NFC既手機功能先可以自己登記個  "智方便+ ". 否則就要去郵政局搞.
跟住佢個指示註冊個帳戶就可以整好個 智方便+ 啦. (之前我都仲需要去郵局到認證). 點先知部機有NFC.... 唔識既話您咁岩過黎我到要整野既就順便問我.

或者

https://www.iamsmart.gov.hk/tc/reg_location.html#this

去就近既郵政局 (需要郵政局開放時間內) , 話想整 "智方便+ ". 登記完後就搞點晒. 
或
去睇下有冇自助機可以自己經過搞.

2a) 係apps 入面好易搵到 "續領車輛牌照" , 跟住指示填少少資料 再上載埋個幾樣文件, 俾錢就搞點.

或者

2b) 用電腦去 https://www.gov.hk/tc/residents/transport/vehicle/renewvehiclelicense.htm , 再利用智方便登入, 上載文件, 俾錢. 完成.

 Q1: 唔見左部手機會唔會被人登入到?

作為個程式開發員既我可以話您知, 一般人都好難入到您手機入面資料. 特別係您開手機既密碼. 由於智方便只可以限於一部手機使用, 係您用另一部手機下載智方便後轉移, 原先個部手機就不能再登入智方便.

為左保障您自己, 用緊 android 既您可以係 https://support.google.com/accounts/answer/6160491?hl=en 遙距刪除部機資料.(iphone : https://support.apple.com/en-hk/guide/icloud/mmfc0ef36f/icloud)

Q2: 網上資料會唔會被人盜用

用手機處理的話, 最重要係您部手機唔好亂安裝 (android 的話) 用 apk 檔案先可以下載既 app. 即係並非 google play 下載的 apps,  (除非您相信apk 檔案一定冇事). 但就算係咁, 基本上係(Android) Google play 同 (iphone) app store 係批政府上架之前, 會要求個 apps 要係傳送資料時加密. 否則並不能夠成功上載被我地去尋找及下載政府 apps. 

用電腦處理的話, 都係同樣地唔好亂安裝野係電腦上 同埋 您冇亂入一啲唔安全既網站 (e.g. Chrome 會警告您去緊一個唔安全既網站). 現時大部分網站都已經係傳送資料時已加密. 

Q3: 車輛過戶得唔得

唔得. 想即時搞到過戶都係要雙方親自到最近運輸署處理或經車行處理(通常下一個工作日處理)

作為 Tyrehood 客戶既您睇緊呢篇文章, 唔少得本人要幫您地拎多啲優惠. 臨緊續保時間, 不妨問下保費, 盡量幫您搵最平及/或優惠價既保費俾您.

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To save both money and time, 'iAm Smart' app released by the government is a must installed mobile application for renewal vehicle license. 

With the following documents captured in your mobile, you can apply for a renewal online at anytime, anywhere that you want unless your vehicle permit is near expiry which require you to go Transportation Department directly. Documents needed: 

a) Inspection pass result slip, b) Certificate of Insurance (C.I.) or still valid Cover Note, c) Original Vehicle Registration Document, d) Address prove (within 3 months of the application).

It will take within 10 working days to send to your address via registered letter.

The app can assist your other government applications e.g. International Driving Permit (within 10 working days), and login most of the government departments account without password like submitting personal tax form. It's surely one of the must installed application.

How to use 'iAM Smart"

1) Google play (Android) or App Store (iphone) , search "iam smart"

Download the following apps,

Follow the instruction to register and your account is ready to renew your license right away.  It looks like your mobile needs NFC function in order to complete the 'iAm Smart+' account. If you are unsure if your mobile has this function, you can ask me when you come over to my store for services. (previously I still need to go post office for second verification) 

or

https://www.iamsmart.gov.hk/tc/reg_location.html#this

Get to the nearest post office or self verification machine

2a) Renewal vehicle license can be easily found once you log into the app. Following the instruction given and upload the documents required, pay the fee. That's it.

OR

2b) use PC to go https://www.gov.hk/tc/residents/transport/vehicle/renewvehiclelicense.htm , and login with your application, upload documents, complete the payment. Done.

 Q1: Can the app be accessed by third party if my mobile phone is missing?

As a programmer, I am sure that a normal person is difficult to access your device, especially your password. The application only allows one device to log in. Hence, you can use another mobile device to transfer the account and your previous device will no longer be used to access into it.

To secure your personal data, for android user, you can use this link:  https://support.google.com/accounts/answer/6160491?hl=en to remotely erase all your information in your mobile.(iphone : https://support.apple.com/en-hk/guide/icloud/mmfc0ef36f/icloud)

Q2: Will my data be stolen online?

For mobile, as long as you do not install anything untrustworthy, e.g. those apk file outside of Google play (unless you trust that apk file is secure). Basically android and ios app is required to have encryption in transmitting information before allowing the app to be published. 

For PC, as long as you do not install anything weird or access to insecure website (e.g. browser will warn you about entering a website that will steal your data). Most websites are normally secured in transmitting data.

Q3: Transfer of ownership, can it be done?

Nope. Both parties or you need to go to nearest Transportation Department directly or via another organization (normally takes one working day)

As a Tyrehood customer reading this article, feel free to enquire your vehicle insurance before you renew your current one. I will try to get the lowest and/or discounted premium for you.

汽車保險 (第三者及全保) 深入了解 Vehicle Insurance (Third party and Comphrensive) in depth

 (English version below)

第三者保險

對於部分車主購買 第三者保險首選都係為左平為主. 

基本上大部分既汽車保險, 除左政府要求的 "強制性" 對於第三者的死亡和受傷的法律責任最低要求的保險金額外, 通常都包括埋 第三者財產損失. 

唯一注意就係購買時既第三者財產墊底費, 會唔會只係差少少既保費, 就享受到底啲既墊底費?

不過今次再講多啲有關 "強制性" 呢樣野.

強制性 (法例要求你買個保險先可以係合法使用車輛), 基於 - 使若干條款無效及有權追回款項條款, 保險合同中的條款可能會被視為無效. 即係出左意外都一定要賠 (對於第三者的死亡和受傷). 但後面個句 "有權追回款項條款" 代表住保險公司係可以追回已支付的款項. 

乜野情況下會令到保險公司追番投保人/當時人? 除左個啲詐騙, 隱瞞重要事實外, 仲有係違反法律條款. 例如更換左唔岩裝係部車既輪胎 (特別係講緊輕型貨車), 就有機會被保險公司追討

部分輕型貨車車主都會更換呔鈴並安裝私家車輪胎, 但市面上並非所有私家車輪胎都岩裝. Hiace 200, 換左呔鈴. 但改還改, 都唔好裝條唔岩輕型貨車既輪胎吧? 望真啲睇下用緊咩呔?

215/50 R17 95W Sailun Atrezzo ZSR.

💣95承重 (承重 690kg), 你連部車既淨重量都負重唔到. 出現任何意外, 就算唔係你錯, 點都會怪罪於部車裝左不合規格輪胎. 

🙈係呢個情況下, 如果駕駛呢部車既當事人發生意外被第三者索償, 除左好大機會都一定被拒絕理賠財物, 更有機會被自己投保的保險公司追討番第三者的死亡和受傷賠償.

👀除了汽車第三者保險外, 其他強制性保險包括 船隻責任保險, 大廈法團保險及僱員補償保險都適用於 "使若干條款無效及有權追回款項條款". 

作為 Tyrehood 客戶既您睇緊呢篇文章, 唔少得本人要幫您地拎多啲優惠. 臨緊續保時間, 不妨問下保費, 盡量幫您搵最平及/或優惠價既保費俾您.

綜合保險 (全保)

新車一定買全保. 又係間間都大同小異. 除左又係墊底費之外, 當中其實值得留意既地方:

💡 無賠償折扣還原保障 (NCD Protection)

條款通常例明受保期間總額不超過某數額或汽車市值的某個%(以最底為準), 並保留您既 e.g. 60%NCD .... 係保留您既 NCD, 唔係保留您既保費. 

🙌新車賠償

通常係首次登記一年內, (有啲可能係必須 製造年份與首次登記年份相同), 係完全損毀或被盜竊後可以有一部全新車賠償.

🌁換擋風玻璃

有冇聽過一粒石仔打中您塊擋風玻璃就有機會出現好似子彈咁既撞擊. 所以從來都唔好係大車後面行駛. 但係避到行車避唔到您泊左部車係樹下跌左大樹枝落黎. 全保通常有最高賠償金額俾您去更換擋風玻璃

📂提供代用車

部車被人偷左或全損唔用得 超過某時間, 保險公司會提供代用車(支付某%租金). (設有每日及每年最高賠償). 有時對於一定要用車番工放工既人, 減底左個支出.

🚨 幫您追討墊底費

如已判左錯不在您

💵 豁免第三者財物墊底費

係某年齡層內 (加埋 X年既駕駛經驗以上). 雖然有啲墊底費都只係幾千, 但都好過冇. (雖則有啲車款全保都要過萬)

可能唔係間間都有晒以上所有野. 但未必所有野都岩您用. 當然最好用唔著. 買保險都只係為左留條後路俾自己. 就算唔係自己錯, 至少都可以保到自己.

1) P牌, 駕駛經驗 2年以下 , 25歲以下 係咪好難買?

二手車黎講應該係比較難搵到但都實會有保險公司肯俾您投保. 有時咁岩您買既個部車保費都可能唔貴.

2) 點解唔同保險公司會有唔同保費?

我都唔知點解. (講緊如果相同墊底費同保額). 但並非一定只有一間保險公司先會係最平. e.g. 保險公司 A 既 BMW 保費係最平, 但保險公司B 既 Tesla 保費係平過保險公司A.

-----------------------------------------------

Third Party Insurance

Purchasing third party insurance, for some, may opt for the cheapest one.

Vehicle insurance basically include "compulsory" third party death and injury legal liability minimum amount requirement, and third party assets loss. (which is not compulsory)

Important note on third party assets loss is the excess, which could probably just a small amount of difference in the insurance cost that could give you a lower excess.

This time, let's go into detail of "Compulsory"

Compulsory (the law require you to purchase insurance), due to ( 使若干條款無效及有權追回款項條款) clauses that render certain terms invalid and grant the right to recover payments. This implies the insurance company needs to pay the third party victim regardless of the terms in the contract. But the latter of the sentence give the insurance company the right to chase back the amount paid

Lying and not disclosing important information is definitely part of the conditions that the insurance company will chase back the amount. Violating certain law is also part of it, e.g. installing tyres that are not suitable for the vehicle (especially van), which may be part of the conditions.

Some van owners will change their rims and sizes, and install passenger vehicle tyres. However, not all passenger tyres are suitable. For this Hiace which has replaced its all four rims with unsuitable tyres. Zoom in and look what tyres it is using....

215/50 R17 95W Sailun Atrezzo ZSR.

💣With a load index of 95 (Able to support 690kg), it cannot even support your vehicle kerb weight. If any accident occurs, your tyres (which fail to meet the legal requirement) will be blamed for the cause even if it is not your fault.

🙈 In this case, insurance company most likely reject any claims on third party assets loss, and might chase after any amount it paid for the third party death and injury.

👀 ( 使若干條款無效及有權追回款項條款) clauses that render certain terms invalid and grant the right to recover payments also applied to other compulsory insurance e.g. marine third party insurance, building, Building Owners' Corporation Insurance and employee compensation insurance

As a Tyrehood customer reading this article, feel free to enquire your vehicle insurance before you renew your current one. I will try to get the lowest and/or discounted premium for you.

Comprehensive Insurance

For all new vehicles, owners will purchase comprehensive insurance which almost every insurances look similar except its excess. Look at what it covers, some of it may raise your awareness...

💡 NCD Protection

Your e.g. 60% NCD will remain even after you file and made a claim (under certain amount or %). But that's ONLY your NCD, not your premium.

🙌 New vehicle replacement

Your new vehicle registration normally must be the same as manufacture year in order to enjoy this coverage for new vehicle replacement under first year if total loss or stolen.

🌁 Windscreen replacement

A small stone could hit through your vehicle windscreen like a bullet. That's why you should never drive behind a lorry or truck. You could avoid driving behind those dangerous scenarios but the branches could drop on your vehicle whether or not you are parking at the side. Your full coverage has a maximum claim amount for you to replace your windscreen.

📂Provide vehicle rental services

Upon stolen or total loss for some time, your vehicle insurance company may help you to pay a large % of the rental (with maximum amount each day and year). This is especially good coverage to those who needs to drive for transportation

🚨 Help you to chase after your paid excess

if it has judged that it is not your fault

💵 Exemption of third party assets excess

Under a certain age period with some driving experience. Although excess may only a few thousand, but it's better than none. 

Those above mentioned may not be covered by the comprehensive insurance depending on your insurance company. Even if it may not suit you, (better not able to use it), the purchase of insurance is for a backup plan in case something happened to protect yourself.

1) Probation license, 2 driving experience below, 25 years old and below, is it difficult to purchase vehicle insurance?

If you are purchasing second hand vehicle, there are still insurance companies who offer you with a high premium.

2) Why there is different premium in different insurance companies?

No idea. (to those with the same excess). But it is not necessary true that only one insurance company is the cheapest for all. One may be cheaper for a certain vehicle model while the other is cheaper for another model.