Cross-boundary self-driving tour to China: car insurance requirements


The Chief Executive announced a "Quota-free scheme for Hong Kong private cars traveling to Guangdong via the Hong Kong Zhuhai Macao Bridge (HZMB)" last week in the policy address 2020. This scheme will be available to the public as soon as the Tuen Mun - Chek Lap Kok Tunnel opens for business. Qualified Hong Kong private cars can drive to Guangdong quota-free via the HZMB. Today at Kwiksure, we'll take a look at this scheme and the cross-boundary car insurance requirements.

Hong Kong cars need to make a reservation for quota-free traveling

Linking Tuen Mun South to the HKZMB is the Tuen Mun - Chek Lap Kok Tunnel, which will officially open on December 27th. You can see that the government is rolling out a "Hong Kong Vehicles Heading North" border-crossing plan. Allowing Hong Kong private cars without a China-Hong Kong license to drive to Guangdong province via the bridge is their initial idea. You can stay for no more than 30 days per trip, and no more than 180 days per year. 

Right now, private cars in Hong Kong heading into the Mainland must obtain a regular quota. However, this new scheme differs in that there isn't a set limit on quotas. To travel to Guangdong, Hong Kong drivers only need to apply and register, hold a China license plate, and China-Hong Kong car insurance. This makes short-term business trips, visiting or traveling easy. The Minister of the Transport and Housing Bureau (THB) is now working on streamlining this process. Ideally, Hong Kong cars would only need electric license plates when heading up north, instead of having to swap to a China license plate. 

To further simplify the application process, the THB is also considering making online registration possible. However, there are currently no plans for the reverse: private cars from China going into Hong Kong.

When the HZMB first opened, the government mentioned this plan of "Hong Kong Vehicles Heading North". Since the Tsing Ma Bridge is the only link between the city of Hong Kong and Chek Lap Kok airport, there is constant heavy traffic. So, they can only implement this plan when a new road opens. With the opening of the Tuen Mun - Chek Lap Kok Tunnel, the Lantau Link and Tsing Ma Bridge will also be exempted from tolls.

Launched in the early days, the "Regular Quota for Hong Kong Private Cars to Macao (Access to City Center)" program requires complicated procedures. As a result, it's a cause of inconvenience for many drivers. It's predicted that the "Hong Kong Motors Heading North" plan will bring in more traffic for the HZMB.

Cross borders car insurance requirements

The HZMB crosses Hong Kong, Macao, and the coastal areas in the Mainland. In other words, all drivers must go through the respective customs on different sections of the bridge. Drivers like yourself must buy insurance for two or even three jurisdictions according to the law. 

Making a two-way trip between Hong Kong and the Mainland? You only need to purchase insurance for Hong Kong and China. If you're making a two-way trip between Hong Kong and Macao, then you'll need to buy Hong Kong, Macao, and China car insurance. 

Insurance requirements for all three jurisdictions


Required Insurance

Hong Kong

  • Hong Kong's third-party motor insurance

To China (Zhuhai)

  • Hong Kong's third-party motor insurance
  • China's compulsory traffic accident liability insurance for motor vehicles

To Macao

  • Hong Kong's third-party motor insurance
  • Macao's third-party liability insurance
  • China's compulsory traffic accident liability insurance for motor vehicles

Minimum legal coverage for third-party insurance


Minimum legal coverage for third-party insurance

Hong Kong's third-party motor insurance

HKD $100 million 

China's compulsory traffic accident liability insurance for motor vehicles

RMB ¥200,000 (Coverage with liability)


RMB ¥19,900 (Coverage without liability)

Macao's third-party liability insurance

MOP $1.5 million (depending on the vehicle type)

Buying multiple car insurances on your own can be time-consuming. Fortunately, the newly available HZMB insurance at Kwiksure is a much more convenient option. Car owners can purchase China's compulsory traffic accident liability insurance for motor vehicles in Hong Kong. With a single phone call, you can easily satisfy insurance requirements for all three jurisdictions. Kwiksure has over 20 years of experience in the insurance industry. What's more, we are the leading car broker in Hong Kong. Our team of expert insurance advisors are happy to help you compare plans to find ones that best balance your budget with your needs.

Contact us for your insurance solutions.

Besides HZMB insurance, Kwiksure also provides car insurance (third-party and comprehensive), domestic helper insurancemotorcycle insurance, Voluntary Health Insurance Scheme (VHIS) and many more. Get a free quote now with our online quotation system! Want to chat with us? Contact our team of expert insurance advisors today for impartial, tailored advice!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.