Motor Insurance Quotation Form
MIB and Transport Department
- - What is the MIB?
- - What is the Hong Kong Transport Department?
- - Registering your vehicle
- - Vehicle Examinations; MOT Explained
- - Registration Marks
- - How do I get a Hong Kong License
- - Foreign License Transfers
- - Driving Points Penalty System
- - Penalty Point Offences
What is the MIB?
What happens if I get into an accident and the other party has no insurance?
The Motor Insurers' Bureau, or MIB, is the motor vehicle insurance industry's organization designed to provide compensation to individuals in respect of injury or death arising out of a motor vehicle accident where the compulsory insurance does not exist or fails to meet the requirements established by law, or where the insurer of a policy is in liquidation.
Effectively, the MIB is a safety net designed to protect individuals who are injured or killed by drivers without insurance, or who have insurance of an improper standard. The MIB is funded through a surcharge (3% of the total premium) levied on all motor vehicle insurance policies sold in Hong Kong.
In the event that you are involved in an accident caused by another driver, where that driver does not have insurance, and where you have suffered an injury, then the MIB will provide you with the coverage that you need. In this instance you would make a claim against the driver of the vehicle to the Bureau after receiving a police report, if the accident resulted in a fatal injury then your dependants are entitled to make the claim on your behalf.
In the event of a hit and run event the MIB is entitled to make ex-gratia payments to the victim, and can help prosecute and recover funds from an uninsured driver by acting within the Hong Kong Legal system.
It is important to note that the MIB is not an insurance company, but rather an industry organization designed to protect victims against bodily injury and death. The MIB is unable to accept liability claims on property damage or destruction.
If you are involved in a traffic accident where the party who caused the incident possesses no insurance, or their insurer has gone into insolvency, then the MIB will be able to help. It is important that you contact your own insurer and make them aware of the situation, and they may contact the MIB on your behalf, or direct you to do so independently.
For more information about the Motor Insurers' Bureau of Hong Kong, or to receive a free quote, please contact one of our expert advisers today. What is the Hong Kong Transport Department?
The Hong Kong Transport Department (HKTD) is the government body that oversees all motor vehicles in the territory. According to the Department, the mission of the HKTD is; to manage road traffic, regulate public transport services, license drivers and vehicles, promote road safety, and plan for future growth and initiatives.
The Transport Department is responsible for the upkeep of all transport infrastructure in Hong Kong, as well as the building of new transport initiatives. By providing information to motorists about road safety and traffic conditions, offering continuing drivers education courses, and developing new ways for Hong Kong residents to travel around the city, the HKTD is committed to the vision of an expanding Hong Kong.
The HKTD works in close partnership with the Environmental Protection Department and the Customs and Excise Departments. These partnerships help the HKTD to build one of the worlds best public and private transportation systems, and allows for speedy and reliable service in all matters related to motor vehicles in Hong Kong.
If you own a motor vehicle in Hong Kong you will have to visit the Transport Department in order to:
- Register your Vehicle/Receive a Vehicle Registration number
- Obtain a Hong Kong Drivers License
- Obtain an International Driving Permit
- Pay your vehicle tax
- Have your vehicle examined for road worthiness
The Hong Kong Transport Department has a number of offices and locations throughout the city. We have provided addresses of the major locations below, these offices will provide all of the services that we have illustrated above.
- Hong Kong Licensing Office, 3/F, United Centre, 95 Queensway, Hong Kong.
- Kowloon Licensing Office, 2/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon .
- Kwun Tong Licensing Office, 5/F, Kowloon East Government Office, 12 Lei Yue Mun Road, Kowloon.
- Sha Tin Licensing Office, 2/F., Sha Tin Government Offices, 1 Sheung Wo Che Road, Sha Tin, New Territories.
If you would like to know more about the Hong Kong Transport Department, or would like to receive a quote for your vehicle insurance, please contact us today. Registering your vehicle
When you buy a motor vehicle in Hong Kong you must register it with the Transport Department. In Hong Kong there are three government departments that are involved with the importation and registration of vehicles. These are the Customs and Excise Department, Environmental Protection Department, and the Transport Department. If you purchased your vehicle in Hong Kong then you will only have to deal with the Transport Department in order to receive your registration.
Here are the necessary steps that you must take in order to successfully register a vehicle in Hong Kong.
Fill out form TD022 : This is the application for vehicle licensing and must be submitted to the transport department in person, either by yourself or through an agent. If you use an agent you must provide that individual with copies of your identity card and driving license. A copy of the form can be obtained here. Please note that this form will not be accepted by the transport department unless you have provided a 2 sided copy.
Each application must be accompanied by the relevant supporting documents. For a Private Vehicle these are:
- A Hong Kong Identity (ID) Card or, in the case of non-residents, a passport.
- A valid Third Party or Comprehensive insurance Cover Note or Certificate in the name of the individual applying for registration.
- Payment receipt from the manufacturer or dealership (an invoice stating that you have purchased the vehicle).
- If you have imported the vehicle privately you will need to supply a 'Notification of Motor Vehicle Provisional Taxable Value' from the Customs and Excise Department. Please be aware that other documents may be required in regards to the vehicle tax, even if you obtained the vehicle in Hong Kong.
- Certificate of Approval of Road Worthiness issued by the Transport Department.
- A cheque made payable to 'The Government of The Hong Kong Special Administrative Region' for the appropriate tax and fee amount.
Unless it has previously been cleared by the Hong Kong Transport Department applications for the registration of left hand drive vehicles will be rejected. Only under special circumstances will these types of applications be allowed.
It is very important that you register your vehicle correctly. Not only is it needed under Hong Kong law, but insurance companies will not issue a complete policy without a Vehicle Registration Document clearly stating that you are the owner of the vehicle.
For more information about the Hong Kong Transport Department please visit their website here. If you would like to know more about insuring your vehicle in Hong Kong, or would like to receive a free quote, please contact one of our expert advisers today. Vehicle Examinations; MOT Explained
In Hong Kong there are certain requirements that need to be completed in order to register, or license, a vehicle. One of the requirements that may be applicable to you is the mandatory vehicle examination.
The Hong Kong government mandatory vehicle exams are designed to serve a number of purposes; the first of which is to approve vehicles (or types of vehicles) that may not have been previously registered in Hong Kong. By submitting these vehicles to an exam the Hong Kong government is making sure that the car/bike/light goods vehicle is appropriate for use in the city, and that it meets the environmental and safety requirements set forth by the transport department.
If you purchase a new vehicle of a class that has bee previously registered in Hong Kong, then it will be exempt from the mandatory vehicle examination for a period of 6 years. After 6 years from the first registration all private cars, motorbikes, and light goods vehicles must be examined every year to determine if they meet certain criteria:
- Road Traffic (Construction and Maintenance of Vehicles) Regulations
- Air Pollution Control (Vehicle Design Standards) (Emission) Regulations
- Noise Control (Motor Vehicles) Regulation
For more information about vehicle examinations please visit the Hong Kong Transport Department website at www.td.gov.hk or call the Senior Engineer/Motor Vehicle Examination at 34/F, Immigration Tower, 7 Gloucester Road, Hong Kong (Tel 2829 5466). Registration Marks
In recent years it has become possible for cars in Hong Kong to receive a personalized registration mark. This can be a complicated process, and in an effort to make it clearer we have provided a description as to how you can obtain a personalized registration mark.
Guidelines for format
- A personalized registration mark cannot contain the letters 'I' 'O' or 'Q', and must not contain more than 8 letters or numerals.
- A space is counted as a character, and more than one blank space is allowed. There cannot be more than one space between any 2 letters or numerals.
- More than 4 identical characters side by side is not allowed. For example 'XXXXX' will not be admitted; 'XXXX1' however, is acceptable.
- The personalized registration can be submitted in one line of 8 (eight) characters, or two lines of 4 (four). Please see examples below:
- 'ABCD1234'
- 'ABCD
1234' - Personalized registration marks cannot duplicate existing registration marks or parody the existing registration mark format. Examples of excluded registration marks are:
- Any registration beginning with HK ('HK2525')
- Any registration mark beginning with ZG ('ZG1234')
- Any registration mark consisting solely of four numbers ('8888')
- When applications for personalized registration marks are being invited the commissioner for transport will publish notifications in newspapers and other printed media. The closing date and the number of applications to be considered will be clearly stated here and on the Transport Department Website.
- You must complete the application form which is available from www.td.gov.hk or any licensing office.
- If the application is not selected in the current submission then you can elect to have it rolled over to the next submission process.
- Each Applicant can only submit one application.
- Application must be submitted on or before the closing date. This can be done in person or by post.
- Upon the receipt of an application the transport department will then send you a notification.
- If there are more submissions than the number stated in the original notification then application shall be selected by lottery.
- The results of the lottery will be published in print media and on the Transport Department website.
- If a selected application meets the Transport Department guidelines then a deposit of HK$ 5000 is required.
- If you do not pay this then the application will fail.
- If your application is eventually refused due to the vetting criteria this deposit will be refunded.
- An approved application/personalized registration mark will then be offered for sale by auction with a reserve price of HK$ 5,000. Auction details will be provided to the successful applicant by post.
- You are not guaranteed to receive the registration that you submitted
- If the personal registration mark that you submitted remains unsold at auction then it will be offered back to you. Your deposit will be considered payment.
- If you are not successful in bidding/obtaining the registration mark that you submitted then your deposit will be returned.
- After the auction the successful purchaser of the registration mark must apply for the personalized registration to be assigned to their vehicle within 12 months. If they do not then the application will be cancelled.
This application and vetting process can be complicated, should you have any additional questions please contact the Hong Kong Transport Department at www.td.gov.hk. How do I get a Hong Kong License
In order to drive a motor vehicle in Hong Kong you must be 18 years of age and physically fit to drive (you are not suffering from a disease or condition illustrated in the Road Traffic Driving license regulations, or suffering from a disease or illness that would cause you to be a danger to the public while in a motor vehicle). The conditions that would exclude you from obtaining a Hong Kong drivers license are:
- Epilepsy
- anic Depressive Disorder
- Hypertension leading to loss of consciousness
- Any condition relating to muscular coordination (muscular dystrophy)
- Uncontrolled Diabetes
- Inability to read a registration mark at a distance of 23 meters (with prescription lenses if worn) in good light
- Apply for a Learner Drivers license : this will enable you to take driving lessons with a duly qualified instructor.
- Make an appointment to take the driving test : this will give you a timeframe within which you should complete your lessons.
- Take the test : Take the driving test.
- Apply for a full license : When you pass the government mandated driving test you will be allowed to apply for a full driving license for the class of vehicle on which you took the exam. Applications for a full license can be submitted 10 days after a successful exam.
If you are an overseas national then you may be able to apply for the direct issue of a Hong Kong driving license without a test. For this to be an option you must fulfill certain criteria which are:
- Hold a valid overseas driving license from one of the countries listed here.
- This license must be valid, or not have been expired for more than 3 years.
- Obtained through a driving test in the issuing country.
- The entitlements for which you apply must be equivalent to the class of vehicle that you are authorized to drive in the issuing country.
- You must also satisfy one of these three additional requirements:
- Have resided in the country of issue for a period not less than 6 (six) months, during which time the license was valid.
- Have held a license for a period of 5 (five) years immediately prior to the application.
- Hold a passport or travel document from the country where the license was issued.
For more information about licensing regulations in Hong Kong please visit the transport department website at www.td.gov.hk, or if you wish to obtain a free motor vehicle insurance quote, please contact one of our expert advisers today. Foreign License Transfers
If you are in possession of a foreign driver's license then it may be possible to transfer that permit to a Hong Kong license without have to submit to an exam on your driving skills. A full list of overseas driving licenses that can be transferred to Hong Kong is available below. Please be advised that this list is meant for reference purposes only and may change at any time without prior warning. For a complete up to date list please go to the Transport Department Website.
- Australia
- Austria
- Bangladesh
- Belguim
- Canada
- Peoples Republic of China (CHINA)
- The Mainland
- Macau
- Taiwan
- Denmark
- Finland
- France
- Germany
- India
- Ireland
- Israel
- Italy
- Japan
- Korea, Republic of (South Korea)
- Luxembourg
- Malaysia
- Netherlands
- New Zealand
- Nigeria
- Norway
- Pakistan
- Portugal
- Singapore
- Spain
- Sweden
- Switzerland
- Republic of South Africa together with S.W. Africa
- United Kingdom together with:
- Alderney (with channel islands)
- Bermuda
- Guernsey
- Isle of Man
- Jersey
- United States of America
Hong Kong operates a Driving Points Penalty System whereby certain traffic offenses will have a point value added to them. Committing offences with a point value will result in those points being added to your license. When a driver has reached 15 points on their license they may be disqualified from driving, liable to serve a prison sentence or may be forced to pay a fine. Any breach of the traffic offences act may be liable to points if the driver is convicted in court, or if they become liable through the fixed penalty system. The Driving Points Penalty system in Hong Kong is designed to promote safety on the roads.
Penalty Points are associated with a number of, but not all, traffic offenses. Only traffic offenses that have a direct effect on road safety are included in the system. Penalty points are incurred for each offence, irrespective of the fact that there may be multiple offences in one accident. This effectively means that penalty points are cumulative and will add up on-top of each other. If you reach 8 points on your license then you will be issued with a letter detailing your Driving Points and the offences that you have committed. If, within any two (2) year period, you receive 15 points, then you will be issued with a court summons. If you are summoned to court then you may have your license suspended.
For a full list of Traffic Offences and the corresponding penalties that they have under the Driving Points Penalty System, please click Here.
If you would like to obtain your Driving Offence Penalty Points record then you may contact:
If your claim meets these requirements then you will still be entitled to use your NCD when renewing your policy.
The Police Traffic Convictions Records Office at 11/F., Arsenal House, Police Headquarters, 1 Arsenal St, Wan Chai, Hong Kong.
For more information, or to receive a free quote, please contact one of our expert advisers today. Penalty Point Offences
As explained in a previous section, certain traffic offences in Hong Kong will be part of the Driver Penalty Point System. To help you understand this system we have provided a list of the offences and their corresponding penalty points below:
| Item | Road Traffic Ordinance | Offence | Points |
| 1 | Section 36(1) | Causing death by dangerous driving | 10 |
| 2 | Section 37(1) | Dangerous Driving | 10 |
| 3 | Section 38(1) | Careless Driving | 5 |
| 4 | Section 39 | Driving or attempting to drive under the influence of Alcohol or Drugs | 10 |
| 4A | Section 39A | Driving with an alcohol concentration above the limit | 10 |
| 4B | Section 39B(6) | Failing to take a breathalyzer without a reasonable excuse | 10 |
| 4C | Section 39C(15) | Failing to provide a specimen for laboratory analysis without a reasonable excuse | 10 |
| 5 | Section 41 | Driving in excess of speed limit by more than 15 kilometers an hour, other than where item 5A or 5B applies | 3 |
| 5A | Section 41 | Driving in excess of speed limit by more than 30 kilometers an hour, other than where item 5B applies | 5 |
| 5B | Section 41 | Driving in excess of speed limit by more than 45 kilometers an hour | 10 |
| 6 | Section 55(1) | Driving in a motor race or speed trial on a road | 10 |
| 7 | Section 56(1) | Failing to stop after an accident | 5 |
| 8 | Section 56(2) | Failing to give particulars after an accident | 3 |
| 9 | Section 56(3) | Failing to report an accident | 3 |
| 10 | Section 61 | Failing to obey directions of police officer or traffic warden | 3 |
| Item | Road Traffic Regulation | Offence | Points |
| 11 | Regulation 11(1) | Crossing double white lines | 3 |
| 12 | Regulation 18 | Failing to comply with traffic signals | 5 |
| 13 | Regulation 31 | Failing to give precedence to pedestrians on zebra crossing | 3 |
| 14 | Regulation 38(2) | Failing to stop for school crossing patrol | 3 |
Please be advised that this is a sampling of the Driving Points Penalty System offences and that a full list can be found here.
For more information, or to receive a free quote, please contact us today..
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