Owners of those private vehicles permitted to use the Hong Kong-Zhuhai-Macao (HKZM) Bridge will be required to purchase appropriate insurance in order to drive their vehicles to and from destinations linked by the cross-Pearl River Delta facility.

Private vehicles registered for Macao-Hong Kong cross-boundary travel under a specific quota initiative, will be permitted to use the Bridge once it is launched.

Local insurance companies will assist owners of authorised Macao-registered vehicles to purchase appropriate insurance for either Hong Kong, or Zhuhai, or both places, assuming they do not have it already. A special website, jointly managed by the respective insurance sectors of the three places, will be launched soon to provide more information on the matter.

Under Macao law, civil indemnity insurance for light vehicles must provide for a minimum of 1.5 million patacas in compensation per accident.