FREE Insurance Quotes and Comparisons +852 2114 2840 +852 2114 2840

Avoid Hong Kong Insurance Scams and Fraud Online in 3 Easy Steps

Published on: 25 August 2017 by Michael Lamb

Knowing who to trust with your insurance can be a difficult decision. This is especially true with the increasing barrage of adverts and number of companies offering some form of Hong Kong insurance service; which one should you work with?

  • Did you click that “Discounted Insurance” advert you saw on Facebook?
  • Did you visit that website that forced you to provide personal details before you could read any information?
  • Is that “expat” site really going to give you a quote or is it going to sell your phone number to a third party?

There are hundreds of websites and companies offering Hong Kong insurance advice and services, and unfortunately some of these will be scams or frauds. We want you to know how to identify reputable organizations which have been approved to operate by Hong Kong’s insurance regulators, and fortunately this can be done in three easy steps!

STEP 1: Check the Contact Information

One of the easiest ways to check the legitimacy of any website offering insurance quotes or services in Hong Kong is to visit the “Contact Us” page.

If there is no Hong Kong address information, no Hong Kong telephone number, and not even an email then the likelihood is that the website may be a scam or at the very least will be selling your information to a third party (because everyone loves telemarketers).

Reputable companies conducting legitimate business have nothing to hide and everything to gain by giving you their address and contact details, so be sure to check! If you can’t get in touch with a company and speak to a real person, how can you trust them to handle your sensitive information?

In a claims situation this is especially concerning as you WILL need to talk to your intermediary – and without a website giving you a telephone number this is going to be hard to do in an emergency.

STEP 2: Check to see if the website is part of a network

Some unscrupulous companies run extensive website networks, with dozens of insurance websites all owned and operated by the same organization.

You could (quite literally) provide your quotation details on 10 different websites and only one company would be seeing that information!

So what do these networks look like? Well, generally they consist of what the internet calls “exact match domain names” and there is a pretty easy formula you can use to see if there may be a network in play. For example, in the Medical Insurance market website networks will normally follow a standard format of:

“Country Name”-“Health”-“Insurance”.com”


“Country Name”- “Medical”- “Insurance”.com”

These network sites like to operate under URLS which start with this formula, typing it into your web browser would look like this:

Chances are, if an insurance website follows this formula then it’s probably owned and operated by an individual parent company and it’s that company which you will ultimately be dealing with.

When you submit a quotation request on a number of different websites and only 1 (often completely different) company replies to you, that’s when you know you’ve been “networked” and may not be getting the very best deal or advice possible.

Not all networks follow this format, and some are far more creative when it comes to trying to trick your click....  be vigilant and use common sense!

STEP 3: Check the Regulatory Information

All Hong Kong Insurance Intermediaries are regulated in the following ways:

Confederation of Insurance Brokers (CIB)
Professional Insurance Brokers Association (PIBA)

Insurance Agents
Insurance Agents Registration Board (IARB)

Everyone Else
Hong Kong Insurance Authority (IA)

Because Insurance in Hong Kong is a regulated industry anyone dealing with insurance is overseen by one of these bodies, and must declare which body they are regulated by.

For example, CCW Global is regulated by PIBA and we declare this on each and every page of our website in the footer:

We also tell you about our regulatory requirements in our Terms and Conditions page, and on all of our communications (including letters, emails, business cards, and brochures).

If you are unable to find any regulatory information about a company in Hong Kong, it doesn’t necessarily mean it is a scam; maybe the company hasn’t updated its website. To check this, each regulator hosts a database informing the public about its member’s – the PIBA member database is found here: PIBA BROKER DATABASE.

If a company or website isn’t listed in any of the databases, or if one website or company is using the registration of another website or company for the “regulation” disclosure, or if no regulatory information exists at all then you may be dealing with a scam.

Let CCW Global Help You

CCW Global is a regulated Hong Kong Insurance Broker (PIBA Member No. 0533), operating under 1 domain (, and is reachable at our office location in Sheung Wan Hong Kong.

If you have any questions about how to spot a potential insurance scam website in Hong Kong, or feel like you are unable to trust any of the options that you’ve currently seen online, we would very much like to help. We are also able to set up face-to-face meetings in our office or at a location convenient to you.

CONTACT US TODAY and learn more about the ways in which we can help you.

Author: Michael Lamb

Michael Lamb is an insurance industry professional with many years of experience within the Hong Kong Insurance market. Focusing on APAC coverage issues, Michael is able to provide extensive analysis and insight to a range of pressing topics. Previously, Michael provided insurance broker with their most highly valued articles and was a key influence in the development of all the content on, Michael has a passion for insurance matched by few others in the region.



Connect With Us:

Click Ask CCW Global to view our Insurance Questions Database.

Please Click International Insurance Coverage to return to the main website.