Hong Kong-Zhuhai-Macao Bridge Motor Insurance

Our HZMB motor insurance offers adequate protection and meets the legal requirements of Hong Kong, Macau, and China.

Why do you need HZMB motor insurance?

As its name suggests, the Hong Kong-Zhuhai-Macao Bridge spans across three jurisdictions. Hence, drivers who need to use this mega link will have to meet the respective jurisdictions' third-party motor insurance requirements.

As Hong Kong’s most established motor insurance broker, Kwiksure offers motor insurance for crossing the HZMB. No matter where your destination is, we can offer motor insurance that best suits your needs with a simplified purchasing process.

Legal requirements of the three jurisdictions

Legal requirements of the three jurisdictions
	Insurance needed
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) and RMB ¥19,900 (Coverage without liability)
Macao’s third-party liability insurance	MOP $1.5 million (depending on the vehicle type)

HZMB Insurance Information

Motor insurance requirements for crossing the HZMB
How do HK drivers cross the Hong Kong-Zhuhai-Macao Bridge (HZMB)?
Crossing the Hong Kong-Zhuhai-Macau Bridge and cross-boundary motor insurance
A HK Driver's Guide to Crossing the HZMB

Third Party vs Comprehensive Motorcycle Insurance

Comprehensive Insurance

Comprehensive motorcycle insurance provides more extensive coverage than a third party or a third party fire and theft policy. With comprehensive insurance, on top of being covered for damages to third parties, motorcyclists will also be covered for personal injuries and claim for loss or damage to their own vehicle in the event of an accident.

Third Party Insurance

Third-party motorcycle insurance ensures that you are insured against liability for property damage or bodily injury to third parties in the event of an accident, but does not cover the driver or their motorcycle. It is important to note that some motorbike insurance plans will have a lower coverage limit than car insurance plans.