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What Car Insurance is Required in Hong Kong?

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What Car Insurance is Required in Hong Kong?


Under current Hong Kong law, all vehicles being operated on public roads must be covered by a 3rd Party Liability insurance plan.

Under the Hong Kong Motor Vehicles (Third Party Risks) Ordinance all vehicles in Hong Kong must hold a minimum level of insurance which covers you against your liability to third parties in respect of property damage or accidental death and injury. The limits associated with this ordinance are:

HK$ 100,000,000 for any deaths or injuries you may cause to third parties.

HK$ 2,000,000 in respect to any property you damage.

Most Hong Kong Car Insurance providers will enable customers to access this minimum level of coverage under a pre-packaged “3rd Party Only Car Insurance policy.”

If you would like additional coverage including, for example, protection against the financial losses associated with your vehicle being stolen or catching fire. This is called “comprehensive car insurance” and will normally be more expensive than a 3rd party only option as additional variables, including your vehicle’s value, will be included when calculating the premium.

However, comprehensive car insurance is not a required purchase and may not be available to all vehicles being driven in Hong Kong.

In order to ensure that you have the legally required car insurance coverage you will be asked to provide a copy of your Certificate of Insurance when licensing your vehicle (either for a first license or at your annual renewal). If you do not have the correct insurance documentation you will not be allowed to license your vehicle for operation on Hong Kong roads.

For more information about Car Insurance in Hong Kong, or any other type of Hong Kong Insurance plan, just ASK CCW! Remember, we’re simplifying your insurance. 

Answered on: 4 April, 2019 04:49

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