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.

5-Seater Car

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥950

Commercial Third Party Liability Insurance (RMB ¥1 million compensation)
As low as ¥681


¥1631
(¥950 + ¥681)

7-Seater Car

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥1100

Commercial Third Party Liability Insurance (RMB ¥1 million compensation)
As low as ¥805


¥1905
(¥1100 + ¥805)

5-Seater EV

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥950

Commercial Third Party Liability Insurance (RMB ¥1 million compensation)
As low as ¥945


¥1895
(¥950 + ¥945)

 

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 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

RegionType of coverageCompensation limit (per incident)
Hong Kong Third party liability insurance

Death or bodily injury caused to a third party
HKD $100 million

Property damage caused to a third party
HKD $2 million

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
RMB ¥‎180,000

Compensation for medical expenses
RMB ¥‎18,000

Property damage
RMB ¥‎2,000

Compensation for death or bodily injury (no liability)
RMB ¥‎18,000

Compensation for medical expenses (no liability)
RMB ¥‎1,800

Property damage (no liability)
RMB ¥‎100

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
HKD $100 million

Property damage caused to a third party
HKD $2 million

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
RMB ¥‎180,000

Compensation for medical expenses
RMB ¥‎18,000

Property damage
RMB ¥‎2,000

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)
RMB ¥‎18,000

Compensation for medical expenses (no liability)
RMB ¥‎1,800

Property damage (no liability)
RMB ¥‎100

 

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 liabilityWithout 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 typeInsured amount of RMB ¥1 millionInsured amount of RMB ¥2 millionInsured 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)

Third Party vs Comprehensive Motorcycle Insurance

Comprehensive 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 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.