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.

港珠澳大橋
Kwiksure

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

5-Seater Car

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥665

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

^Calculated assuming the vehicle was registered more than 3 years ago

¥1346

(¥665 + ¥681)

7-Seater Car

7-Seater Car

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥770

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

^Calculated assuming the vehicle was registered more than 3 years ago

¥1575

(¥770 + ¥805)

5-Seater EV

5-Seater EV

Compulsory Traffic Accident Liability Insurance (required by law)
As low as ¥665

Commercial Third Party Liability Insurance (RMB ¥1 million compensation)
As low as ¥910

^Calculated assuming the vehicle was registered more than 3 years ago

¥1575

(¥665 + ¥910)

Why should you secure independent motor insurance through Kwiksure?

1Your 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.

2Some 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.

3Some 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.

4Your 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.

5Your 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.

Learn by watching videos

[Car Insurance 101 EP8]

With money, the Home Return Permit, and a car ready, Gine planned to drive north but didn’t realize that the Northbound Travel For HongKong Vehicles insurance was a must before departing! Luckily, car insurance expert and CEO of Kwiksure, Ken, promptly informed Gine, providing clear answers to all questions regarding this insurance, ensuring it was sorted out before setting off!

港車北上申請資格

Introduction to the Northbound Travel for Hong Kong Vehicles Scheme

The scheme allows Hong Kong private vehicles to travel to Guangdong Province via the Hong Kong-Zhuhai-Macao Bridge (HZMB) 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

Hong Kong
Macau
Mainland China

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.

港車北上-交強險
港車北上-交強險
With liability
Without liability
Compensation for death or bodily injury
¥ 180,000
¥ 18,000
Compensation for medical expenses
¥ 18,000
¥ 1,800
Compensation for damage to property
¥ 2,000
¥ 100
*The premiums in the table above are all expressed in RMB and 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)
¥ 665
¥ 770
^Calculated based on a vehicle registered for more than 3 years
*The premiums in the table above are all expressed in RMB and for reference only

Coverage of Commercial Third Party Liability Insurance (CTPLI)

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).

港車北上-商業險
港車北上-商業險

Examples of CTPLI Plan Premiums

Vehicle type
Insured amount of RMB ¥1 million
Insured amount of RMB ¥2 million
Insured amount of RMB ¥5 million
6 seats or fewer (including for driver)
¥ 681
¥ 830
¥ 1,234
6 seats or more (including for driver)
¥ 805
¥ 990
¥ 1,460
*All amounts shown above are in Chinese RMB; 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

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How long is the coverage period for Hong Kong cross-border car insurance for driving north to Mainland China?

Currently, drivers who travel to Guangdong Province under the Northbound Travel for Hong Kong Vehicles 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.

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Can the driver purchase only Commercial Motor Insurance without purchasing Compulsory Traffic Accident Liability Insurance?

Under Mainland regulations, drivers travelling to Guangdong Province via the HKZM Bridge are required to purchase Compulsory Traffic Accident Liability Insurance (CTALI) for motor vehicles. Commercial Motor Insurance is an optional additional coverage for extra protection.

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Can HZMB Hong Kong Cross Border Car Insurancebe extended to include other drivers?

As long as the drivers are registered on the application and are eligible, they will be covered by the Northbound Travel for Hong Kong Vehicles policy. They do not have to be listed as named drivers.

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What should be done in case of a traffic accident on the Mainland?

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.

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How to apply for the Northbound Travel for Hong Kong Vehicles Scheme and enter Guangdong Province by car?

To apply for the Northbound Travel for Hong Kong Vehicles 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。

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How should the vehicle inspection for the Northbound Travel for Hong Kong Vehicles Scheme be arranged?

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.

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If the existing motor insurance is about to expire, can I still participate in the Northbound Travel for Hong Kong Vehicles Scheme?

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 Northbound Travel for Hong Kong Vehicles Scheme, which may take up to a month or even longer. Therefore, we recommend that you purchase Compulsory Traffic Accident Liability Insurance or Commercial Motor Insurance sparately.

[Northbound Travel for Hong Kong Vehicles] Car Insurance Information for the Hong Kong-Zhuhai-Macau Bridge

【Driver Application Must-See】2023 HK Car to China Plan + Mainland License Conversion + Car Insurance Q&A Collection
NTHKV
2025-06-25

The 2025 scheme for Hong Kong private cars traveling to Guangdong

As of late April 2024, vehicles using the Hong Kong-Zhuhai-Macao Bridge (HZMB) for cross-border travel have exceeded 10 million trips . Kwiksure provides essential tips for applying for Northbound Travel for Hong Kong vehicles, including the 8-step application process, renewal methods, converting to a mainland driving license, applying for ETC (Electronic Toll Collection) for highways, and explaining the insurance required for the scheme. Is third-party liability insurance sufficient? What should you do in case of an accident in mainland China? How do you navigate the border-crossing process?
大陸自駕遊】港車北上自駕遊10大疑問 必知駕駛規則｜扣分罰則｜高速公路收費
NTHKV
2024-02-22

Mainland China Road Trip: Top 10 Questions and Essential Driving Rules

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.
Car Beauty China 820x453
NTHKV
2023-10-02

Car Detailing and Maintenance Guide for the Mainland

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!