Northbound Travel for Hong Kong Vehicles Scheme/HKZM Bridge insurance
As the top car insurance expert in Hong Kong, Kwiksure provides insurance plans covering two or three jurisdictions. No matter what scheme you use to go to the Mainland or Macau, such as the Northbound Travel for Hong Kong Vehicles (NTHKV) Scheme or the Macao Port Park-and-Ride Scheme, we can offer you the relevant cross-border car insurance solutions.
Kwiksure can help you secure Compulsory Traffic Accident Liability Insurance and Commercial Third Party Liability Insurance for the Mainland, significantly simplifying the insurance application process.
Why should you secure independent motor insurance through Kwiksure?
With the implementation of the NTHKV Scheme, the Hong Kong government has introduced the "unilateral recognition" policy, which allows drivers to simply ask their car insurer to add motor insurance for driving in the Mainland to their existing policy for Hong Kong, and that should be equivalent to having CTALI or CTPLI for the Mainland! So, why should you bother to secure independent motor insurance for the Mainland through Kwiksure? Let us first explain the limitations of coverage under the "unilateral recognition" policy.
Your current insurer may not allow clients to extend coverage
Currently, not all insurers in Hong Kong take part in the "unilateral recognition" policy, meaning that your car insurer may not be able to add insurance for the Mainland to your existing policy.
Some insurers may charge a handling fee
Some insurers (or the relevant insurance intermediaries) may charge a handling fee before processing your application for "unilateral recognition" coverage.
Some insurers may take a long time to issue policies
Due to the strong demand for additional coverage under the NTHKV Scheme, many insurers have to suddenly process a lot of applications, and it may take them weeks to approve your application for coverage under the "unilateral recognition" policy.
Your current policy is about to expire
If your existing car insurance has less than one month remaining, you may have to wait until your policy is renewed before applying for “unilateral recognition” coverage. This may create more inconvenience than it’s worth, and it could well be better to directly secure independent car insurance for the Mainland.
Your official policy/official policy number has yet to be issued
If your existing policy has not been issued for whatever reason, your insurer may need to wait until the policy is officially issued before processing your application for “unilateral recognition” coverage. In that case, it may well be better to secure car insurance for the Mainland directly.
Introduction to the Northbound Travel for Hong Kong Vehicles Scheme
The scheme allows Hong Kong private vehicles to travel to Guangdong Province via the HKZM Bridge on a self-driving tour for brief stays, without the need to apply for a permit under the “regular quota” system. Drivers can stay for up to 30 days each time, and spend up to 180 days in PRC per year.
Requirements for Securing Coverage for the Northbound Travel for Hong Kong Vehicles Scheme
- The insured driver must be aged between 25 and 69
- The insured driver must hold a valid HKID card
- The insured driver must hold valid driving license in the Mainland and in Hong Kong
- The insured driver must hold the official registration documents of the insured vehicle
- The insured vehicle does not have to have a “Guangdong-Hong Kong vehicle license”
Types and Compensation Limits of Car Insurance in Hong Kong, Macau, and the Mainland
| Region | Type of coverage | Compensation limit (per incident) | |
|---|---|---|---|
| Hong Kong | Third party liability insurance |
Death or bodily injury caused to a third party Property damage caused to a third party |
|
| Comprehensive car insurance | Depends on the insured amount | ||
| Macau | Third party liability insurance | MOP $1.5 million (varies by type of vehicle) | |
| Comprehensive car insurance | Depends on the insured amount | ||
| Mainland China | Compulsory Traffic Accident Liability Insurance for Motor Vehicle |
Compensation for death or bodily injury Compensation for medical expenses Property damage |
Compensation for death or bodily injury (no liability) Compensation for medical expenses (no liability) Property damage (no liability) |
| Commercial Third Party Liability Insurance | Third party liability compensation limit is raised to the insured amount, without differentiation between death or bodily injury, medical expenses, and property damage | ||
| Hong Kong | |
|---|---|
| Type of coverage | |
| Third party liability insurance | Comprehensive car insurance |
| Compensation limit (per incident) | |
|
Property damage caused to a third party Property damage caused to a third party |
Depends on the insured amount |
| Macau | |
|---|---|
| Type of coverage | |
| Third party liability insurance | Comprehensive car insurance |
| Compensation limit (per incident) | |
| MOP $1.5 million (varies by type of vehicle) | Depends on the insured amount |
| Mainland China | |
|---|---|
| Type of coverage | |
| Compulsory Traffic Accident Liability Insurance for Motor Vehicle | Commercial Third Party Liability Insurance |
| Compensation limit (per incident) | |
|
Compensation for death or bodily injury Compensation for medical expenses Property damage |
Third party liability compensation limit is raised to the insured amount, without differentiation between death or bodily injury, medical expenses, and property damage |
|
Compensation for death or bodily injury (no liability) Compensation for medical expenses (no liability) Property damage (no liability) |
|
Coverage of Compulsory Traffic Accident Liability Insurance for Motor Vehicle
CTALI for Motor Vehicle is the mandatory car insurance in the Mainland. It provides compensation to third parties for death, bodily injury or damage to property in a traffic accident involving the insured vehicle. However, it does not cover the insured vehicle itself, or its driver or passengers.
| With liability | Without liability | |
|---|---|---|
| Compensation for death or bodily injury | RMB ¥180,000 |
RMB ¥18,000 |
| Compensation for medical expenses | RMB ¥18,000 |
RMB ¥1,800 |
| Compensation for damage to property | RMB ¥2,000 |
RMB ¥100 |
*The premiums shown are for reference only
Examples of Compulsory Traffic Accident Liability Insurance for Motor Vehicle Premiums
| For vehicles ≤ 5 seats(incl. for driver) | For vehicles ≥ 6 seats(incl. for driver) | |
|---|---|---|
| Registered in a personal name | RMB ¥950 | RMB ¥1,100 |
| Registered in a company name | RMB ¥1,000 | RMB ¥1,130 |
*The premiums shown are for reference only
Coverage of Commercial Third Party Liability Insurance
CTPLI provides additional protection on top of CTALI, allowing the insured to increase the third-party liability compensation limit to the insured amount (without differentiation between death or bodily injury, medical expenses, and property damage).
Examples of Commercial Third Party Liability Insurance Premiums
| Vehicle type | Insured amount of RMB ¥1 million | Insured amount of RMB ¥2 million | Insured amount of RMB ¥5 million | |
|---|---|---|---|---|
| Registered in personal name | 5 seats or fewer (including for driver) | RMB ¥ 756 | RMB ¥ 923 | RMB ¥ 1,371 |
| 6 seats or more (including for driver) | RMB ¥ 894 | RMB ¥ 1,091 | RMB ¥ 1,622 | |
| Registered in company name | 5 seats or fewer (including for driver) | RMB ¥ 927 | RMB ¥ 1,107 | RMB ¥ 1,590 |
| 6 seats or more (including for driver) | RMB ¥ 1,067 | RMB ¥ 1,274 | RMB ¥ 1,830 |
| Registered in personal name | Registered in company name | |||
| Vehicle type | 5 seats or fewer (including for driver) |
6 seats or more (including for driver) |
5 seats or fewer (including for driver) |
6 seats or more (including for driver) |
| Insured amount of RMB ¥1 million |
RMB ¥ 756 | RMB ¥ 894 | RMB ¥ 927 | RMB ¥ 1,067 |
| Insured amount of RMB ¥2 million |
RMB ¥ 923 | RMB ¥ 1,091 | RMB ¥ 1,107 | RMB ¥ 1,274 |
| Insured amount of RMB ¥5 million |
RMB ¥ 1,371 | RMB ¥ 1,622 | RMB ¥ 1,590 | RMB ¥ 1,830 |
*The premiums shown are for reference only
Exclusions of Compulsory Traffic Accident Liability Insurance for Motor Vehicle and Commercial Third Party Liability Insurance
- Driving without a license
- Driving while under the influence of alcohol, drugs, or state-controlled psychotropic or anesthetic drugs
- Hit-and-run accidents
- Accidents during the theft or robbery of the insured vehicle
- Accidents caused intentionally by the insured
- Losses in an accident intentionally caused by the victim
- Losses of the insured’s property and property on the insured vehicle
- Arbitration or litigation costs and other related expenses arising from a traffic accident
- Liability of passengers in the insured vehicle
- Liability claims made outside of Mainland China for accidents occurring in Mainland China
FAQs about Coverage for the Northbound Travel for Hong Kong Vehicles Scheme (EF)
Q: How long is the coverage period of NTHKV plans?
A: Currently, drivers who travel to Guangdong Province under the NTHKV Scheme can stay for a maximum of 180 days per year, with each stay being 30 days at most. Kwiksure offers year-round coverage that fully meets the needs of drivers heading north.
Q: Can drivers secure only CTPLI and not CTALI for Motor Vehicle?
A: Under Mainland regulations, drivers who travel to Guangdong Province via the HKZM Bridge are required to have CTALI for Motot Vehicle. CTPLI is optional coverage for additional protection.
Q: Can other drivers be added to the HTHKV coverage?
A: As long as the drivers are registered on the application and are eligible, they will be covered by the NTHKV policy. They do not have tobe listed as named drivers.
Q: What should be done in case of a traffic accident on the Mainland?
A: The policy provides a 24-hour service hotline. In case of a traffic accident on the Mainland, you must notiy BOTH the traffic police and the insurer to handle the situation on site.
Q: How to apply for the NTHKV Scheme and enter Guangdong Province by car?
A: To apply for the NTHKV Scheme, drivers need to participate in a lottery on designated dats on the government's website for the scheme. Winners can start the application process once the results are out. For more details, please refer to our featured article。
Q: How should the vehicle inspection for the NTHKV Scheme be arranged?
A: The applicant's vehicle needs to be inspected at an approved inspection center, and there is no need tohave it inspected again on the Mainland. If the vehicle is over 6 years old, an inspection cetificate is necessary for the application. Currently, only China Inspection Company Limited can provide inspection services in Hong Kong that are officially recognized by Mainland authorities.
Q: If the existing motor insurance is about to expire, can I still participate in the NTHKV Scheme?
A: If you want to convert your existing motor policy to a "unilateral recognition" policy, you must first wait for your existing motor policy to be renewed before participating in the NTHKV Scheme, which may take up to a month or even longer. Therefore, we recommend that you purchase CTALI or CTPLI sparately.
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