Get extra protection when driving to the GBA during Chinese New Year

As we prepare to welcome in the Year of the Horse, many in Hong Kong will be getting ready for trips across the border to visit friends or family in Mainland China. And while flying or high-speed rail will likely be the transport mode of choice for far-flung destinations, car owners who are travelling relatively short distances to the Greater Bay Area (GBA) may consider driving to Guangdong Province using the Hong Kong-Zhuhai-Macao Bridge (HZMB), providing they have the necessary permits.

If this is an option you are considering during the Chinese New Year holidays, then remember to familiarise yourself with the differences in driving conditions between Hong Kong and Guangdong Province, including speed limits and ensuring you are driving on the correct side of the road. It is also critical that you purchase the correct insurance before any self-driving trip over the HZMB to protect you financially if you are involved in a traffic accident. Failing to do so could be very costly indeed!

MSIG’S HZMB Hong Kong Cross Border Motor Vehicle Insurance plan has been specially designed for cross-border trips, like those being made during Chinese New Year, giving Hong Kong drivers an extra level of protection. Its key feature is compulsory traffic accident liability coverage for motor vehicles, up to RMB200,000 per incident. However, depending on your circumstances, you wish to opt for extra coverage for a greater sense of security.

For example, Ms Chan is travelling with her extended family in a large MPV, carrying seven people. Under HZMB Hong Kong Cross Border Motor Vehicle Insurance plan’s coverage, Ms Chan is protected for up to a total of RMB200,000. Nevertheless, before embarking on her trip to Zhuhai, she decides to add on additional third-party liability coverage, which covers her up to HK$2 million. While on her journey, she experiences a near-collision with another vehicle. Luckily for her, no-one in her vehicle is injured and her car only sustains minor damage, but the other vehicle swerves and is subsequently badly damaged. Thankfully, her extra coverage protects her against steep repair costs to the other driver’s vehicle.

Another aspect of the plan is that it offers the option to provide extra protection for each passenger through its driver & passenger liability insurance feature. Mr Wong is transporting several friends across the HZMB when he is involved in a crash. One of his passengers is badly injured and requires hospitalisation. Luckily for Mr Wong, he purchased the extra protection for his passengers, up to HK$100,000 per seat, enabling his injured friend to receive immediate medical treatment in Guangdong Province before returning to Hong Kong.

One thing to note is that MSIG’S HZMB Hong Kong Cross Border Motor Vehicle Insurance plan is only available to customers who have already purchased MSIG Private Motor Car Insurance, so ensure you have appropriate coverage before applying. Ultimately, when making even short journeys to the GBA by private vehicle, it is best to be ready for any eventuality so you can enjoy your trip to the fullest.

If you have any queries regarding HZMB Hong Kong Cross Border Motor Vehicle Insurance or Private Motor Car Insurance, please feel free to contact us or find out more about our insurance plans:
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