Insurance Guide

When it comes to road trips, most people think of places like Japan, Thailand, and Taiwan. However, with more Hong Kong residents driving their own cars north, road trips in Guangdong Province have become a hot topic in recent years. In addition to the difference in driving direction compared to Hong Kong, Mainland China has many different driving rules, which confuse many Hong Kong drivers. This guide will address the top 10 questions about self-driving in Mainland China and provide essential driving rules and penalties you need to know before heading north.

As more and more vehicles from Hong Kong head north, the consumption habits of Hong Kong car owners are gradually changing as well. Besides enjoying dining, entertainment, and cheaper fuel prices in Mainland China, car owners also have the opportunity to have their cars detailed or repaired there. Whether it's labor or parts, the prices in Mainland China are generally lower, often only half of prices in Hong Kong or even below that. Naturally, many budget-conscious Hong Kong residents now like to take their cars north for detailing and maintenance. In this article, Kwiksure will explain the key things to know for car detailing and maintenance in Mainland China, so that you can be fully prepared before setting off!

Heading north in electric cars has lately become a focal point for local drivers. However, even if you win the lucky draw, complete the application process and vehicle inspection, and purchase insurance, if you are driving an electric car, you will face another challenge: the charging standards in Hong Kong and the Mainland are different, requiring the purchase of adapters. Generally, electric cars can only travel about 200-300 km on a full charge, and considering a round trip on the Hong Kong-Zhuhai-Macao Bridge (HZMB) will total 110 km, the remaining power may be inadequate. Therefore, most owners need to charge their cars somewhere along the trip. In this Kwiksure article, we will look at the four major challenges (charging adapters, finding charging stations, finding parking spaces, handling accidents) that electric car drivers need to pay attention to when heading north.

Effective on September 19th, China recently announced a 'Guideline for Implementing Comprehensive Reform of Car Insurance'. The new rules drastically increase the coverage limit from RMB $120,000 to RMB $200,000 RMB for China’s compulsory traffic accident liability insurance. With that said, what is traffic accident liability insurance ? Today at Kwiksure , our insurance experts will give you the lowdown on things to keep in mind when buying car insurance for China. Cross the Hong Kong-Zhuhai-Macao Bridge (HKZMB) or ports of your choice worry-free.

The Hong Kong-Zhuhai-Macao Bridge (HZMB) has officially opened on the 24th of October this year, after nine years of construction. The cost of constructing the 55 km bridge, as well as its surrounding link roads and artificial islands, is about a whopping $20 billion in total, and stretches 22.9km over the sea with a 6.7km underwater tunnel. While the HZMB is the world’s longest sea crossing, the bridge is not served by any public transport. Instead, private shuttle buses will operate the cross-border route. If a Hong Kong private car driver needs to use this mega link, they must complete all the necessary formalities, obtain valid permits, and meet the insurance requirements by the relevant jurisdiction(s). Basically, there are three options for a Hong Kong private car owner applying to cross the ZHMB. What can be quite tricky, however, is that the application procedures are all different, and by no means simple and easy. To that end, Kwiksure has prepared this downloadable and printable infographic to illustrate how it works in a more easy-to-digest and concise manner.

The Hong Kong-Zhuhai-Macau Bridge (HZMB) is going to open to the public soon-ish! This new, 55 km long megastructure is now the longest water-bridge ever built. It will shorten the travel time from 4 hours to just 45 minutes between Hong Kong and Zhuhai. All driving that occurs on the bridge will be in accordance with Chinese rules - on the right side of the road - not left as is the case in Hong Kong and Macau, and all tolls will be collected in renminbi. As great as it sounds, it’s actually not that easy to cross the HZMB because special permits and cross-boundary motor insurance must be obtained by all drivers entering the bridge.

New insurance rules around insured cars leaving the mainland have been released. The Car insurance laws section below has been updated with this new information. It's a time for visiting loved ones, many of whom might live over on the mainland. If you’re thinking of driving over the border to visit family and friends, you’ll want to make sure that you’re prepared for the differences in road rules between Hong Kong and China.