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Hong Kong - Guangdong Cross Border Motor Insurance (Unilateral Recognition Extended Cover)

"Northbound Travel for Hong Kong Vehicles" which is launched by the governments of Guangdong and Hong Kong has been opened for application, and BOCG Insurance has launched a new brand "Hong Kong - Guangdong Cross Border Motor Insurance (Unilateral Recognition Extended Cover)" ("the Plan"), to provide you one-stop online car insurance application service, a comprehensive protection and full range of after-sales service. You can feel at ease while driving in Guangdong for visiting relatives or travelling!

The Plan is the extended cover of "Motor Insurance - Private Car" ("the Car Insurance", Click here to learn more). The existing customers who enrolled in “Motor Insurance - Private Car” via Bank of China (Hong Kong) Limited ("BOCHK") ("the Current Customers") can apply for the short term 30-Day plan or the annual plan of the Plan additionally via online channels; whereas the new customers can choose to attach the annual plan of the Plan when applying for the "Motor Insurance - Private Car".

 

Latest Promotion

Please click here for latest promotion details.

Scope of Coverage

The Plan includes:

  • Hong Kong - Zhuhai - Macau Bridge Hong Kong Cross-Border Motor Vehicle Compulsory Liability Unilateral Recognition Insurance ("Compulsory Insurance")

According to Mainland China’s "Compulsory Traffic Accident Liability Insurance for Motor Vehicles Act", all vehicle owners or drivers who drive on roads within the territory of the People's Republic of China (excluding Hong Kong, Macau, and Taiwan) are required to purchase compulsory traffic accident liability insurance. In the event of a road traffic accident, third-party victims (excluding the vehicle occupants and the insured) can be compensated through the Compulsory Insurance for death, injury and/or property damage. Our coverage includes:

Coverage Coverage Limit (RMB)
If insured is liable If insured is not liable
1.Death and Disability 180,000 18,000
2.Medical Expenses 18,000 1,800
3.Property Damage 2,000 100

 

  • Hong Kong - Zhuhai - Macau Bridge Hong Kong Cross-Border Motor Vehicle Commercial Insurance ("Commercial Insurance")

The Plan offers additional third-party liability coverage beyond Compulsory Insurance, with typically much higher coverage limits. Policyholders may also opt to add Passenger Liability Insurance to their policy, which provides compensation in the event of injury or death of occupants in the insured vehicle resulting from an accident.

Coverage Coverage Limit (RMB)
1. Third-Party Liability 1,000,000 2,000,000 3,000,000 5,000,000
2. Passenger Liability 100,000/per person

Notice

  1. BOCG Insurance will issue the policy after confirming that all premium have been received;
  2. The coverage provided under this policy shall be limited solely to Guangdong Province, China (excluding Hong Kong and Macau);
  3. The insured vehicle shall be required to travel between Hong Kong and Guangdong Province, China via the Hong Kong-Zhuhai-Macao Bridge;
  4. Since the Hong Kong-Zhuhai-Macao Bridge Hong Kong Link Road is designated as a Closed Road, the proposers are required to apply for a Closed Road Permit (CRP) for the insured vehicle when entering Guangdong Province;
  5. The “No Claim Discount” provisions set forth in the Hong Kong private motor insurance policy shall not be applicable to Guangdong-HK Cross Border Motor Insurance;
  6. BOCG Insurance hereby reserves the right to request from the proposer any additional information or documentation deemed necessary for processing of the application. The failure to provide complete and accurate information or supporting documents may result in delays or even rejection of your application;
  7. If the proposer submits any false or misleading information in relation to this application, BOCG Insurance reserves the right to modify the policy terms and conditions or cancel the policy;
  8. Once the coverage is in force, any change to the proposer’s identity shall not be permitted. In the event that a change is desired, the policy must be terminated and the policyholder must reapply for coverage. The reinstatement of a policy shall not be possible once it has been terminated;
  9. In the event of an accident, the Guangdong-HK Cross Border Motor Insurance (unilateral recognition extended cover) may not provide adequate coverage for the liability incurred in relation to the loss of life or property, or bodily injury of any third party;
  10. BOCG Insurance hereby reserves the right to modify the premium for Guangdong-HK Cross Border Motor Insurance policy in consideration of the number of third party liability motor accidents in which the insured driver(s) have been involved within Mainland China, in the preceding 3 years;

    11. (Applicable to Annual Plan Only)

  11. If the coverage period for the Hong Kong-Zhuhai-Macao Bridge (“HZMB”) Cross-Border Motor Vehicle Compulsory Mainland Traffic Accident Liability Insurance (“Compulsory Liability Insurance”) and HZMB Cross-Border Motor Vehicle Commercial Insurance (“Commercial Insurance”) is less than one year, the coverage period will align with the expiration date of the local motor insurance policy. The premium will be based on the length of the coverage period;
  12. The insured vehicle shall not be permitted to remain in Mainland China for a period exceeding 30 consecutive days, inclusive of the day of departure from Hong Kong, or for a cumulative period exceeding 180 days within a year;
  13. If the policy is terminated before the expiration date, the prorated portion of the premium, based on the remaining coverage days, will be refunded;

    14. (Applicable to Short Term 30-Day Plan Only)

  14. In the event that the effective date of Hong Kong-Zhuhai-Macao Bridge (HZMB) Cross-Border Motor Vehicle Compulsory Mainland Traffic Accident Liability Insurance and HZMB Cross-Border Motor Vehicle Commercial Insurance is situated less than 30 days prior to the expiration date of the Hong Kong private motor insurance policy, the period of insurance shall terminate on the same date as the expiration of the Hong Kong private motor insurance policy. The premium for this period of insurance, despite its duration being less than 30 days, shall remain unchanged and not be subjected to any adjustment;
  15. The insured vehicle shall not be permitted to remain in Mainland China for a period exceeding 30 consecutive days, inclusive of the day of departure from Hong Kong;
  16. No premium refund will be provided should the proposer choose to cancel the Hong Kong - Guangdong Cross Border Motor Insurance (Unilateral Recognition Extended Coverage) short term 30-day plan during the policy period;
  17. The short term 30-day plan is non-renewable.

 

Disclaimer:

By clicking on "Apply Now", you are leaving BOCHK’s website and being re-directed to an external website managed by BOCG Insurance, the underwriter of the insurance policy. BOCHK assumes no liability for your use of this link. You should carefully read the applicable terms and privacy policies before using that website.

 

Important Notes:

  • The Plan is underwritten by BOCG Insurance.
  • BOCG Insurance is authorised and regulated by the Insurance Authority (“IA”) to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCHK is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.
  • The Bank of China (Hong Kong) Limited (“BOCHK”) is the appointed insurance agency of BOCG Insurance for distribution of the Plan. The Plan is product of BOCG Insurance but not BOCHK.
  • BOCG Insurance and/or BOCHK reserve the right to amend, suspend or terminate the Plan, and to amend the relevant terms and conditions at any time. In case of any dispute(s), the decision of BOCG Insurance and/or BOCHK shall be final.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme, please visit https://www.fdrc.org.hk/ for details) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Plan should be resolved directly between BOCG Insurance and the customer.
  • This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan. For enquiry, please contact the staff of BOCHK.
  • The Plan is subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions.
  • The IA will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to BOCG Insurance a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website www.ia.org.hk.