[Driving Northbound to Guangdong Guide] 2026 Latest Application Process, Insurance Comparison & Essential Tips! Get $100 Fuel or EV Charging Voucher When Buying PICC Insurance via Hong Kong Motor Club
Want to drive across the Hong Kong-Zhuhai-Macao Bridge to Guangdong Province for food, leisure, family visits, or shopping anytime? "Driving Northbound to Guangdong" (港車北上) has undoubtedly become the top choice for Hong Kong car owners! However, for first-time applicants or those renewing their scheme, there are still many details regarding the application procedures, insurance terms, and driving tips in the Mainland that require careful attention.
This article brings you the ultimate Driving Northbound Guide, covering everything from application steps and insurance selection tips to essential driving rules, plus how to claim your exclusive Motoring Club offer!
Part 1: Application Guide – Three Key Steps
The "Driving Northbound" scheme allows Hong Kong private cars to travel to and from Guangdong Province without obtaining regular cross-border quotas. The application process mainly consists of three stages:
Online Ballot Registration: Applicants (must be the registered car owner, aged 18 or above, holding a Hong Kong ID and Home Return Permit) must log in to the designated "Driving Northbound" website to register for the ballot.
Online Submission & Insurance Purchase: Once successful in the ballot, submit required documents online (such as vehicle registration document and driving license) within the designated period and purchase a qualified Mainland vehicle insurance policy.
Vehicle Inspection and Permit Collection: Upon approval, bring your vehicle to a designated inspection center (such as China Inspection Co., Ltd.) for inspection, obtain the electronic license, and book your departure date to hit the road!
Part 2: How to Buy Northbound Insurance? "Equivalence Recognition" Explained
Driving north means insurance coverage is absolute priority! According to Mainland regulations, all vehicles entering Guangdong Province under the scheme must possess qualified insurance.
Under the "Equivalence Recognition" (等效先認) policy, Hong Kong car owners do not need to purchase separate policies in both places; they can directly purchase Mainland-compliant insurance add-ons through approved Hong Kong insurance companies:
1. Mandatory Legal Requirement: Mainland "Compulsory Traffic Insurance" (交強險)
Coverage: Primarily covers third-party bodily injury and property loss (excluding the driver and passengers in the insured vehicle).
Limit: The statutory minimum coverage is RMB 200,000.
2. Highly Recommended Add-on: "Commercial Insurance" (Third-Party Liability & Passenger Insurance)
Due to higher compensation and medical costs in the Mainland, relying solely on the RMB 200,000 compulsory insurance is often insufficient for serious accidents.
Purchasing additional Third-Party Liability Insurance (options ranging from RMB 1 million to 5 million) and On-Board Passenger Liability Insurance provides comprehensive protection for both drivers and passengers.
Part 3: Essential Driving Tips for the Mainland
Switching Driving Habits: The Mainland drives on the right side of the road (left-hand drive cars), which is the opposite of Hong Kong. Exercise extra caution and look around carefully when navigating roundabouts, turning left, or merging into main roads.
Prepare Mainland Payment & Navigation Apps: Most Mainland parking lots use automated license plate recognition and QR code payments (WeChat Pay / Alipay). Ensure your mobile payment tools are set up before departure, and download apps like Amap (高德地圖) or Baidu Maps for real-time navigation.
Carry Insurance Proof: It is recommended to print a copy of the insurance policy confirmation and keep it inside the car for inspection by public security or traffic police if required.
Stay Limits: Each entry into the Mainland allows a continuous stay of no more than 30 days, with a cumulative stay of no more than 180 days per year.
Part 4: 【Hong Kong Motor Club Exclusive Offer】Get a $100 Fuel/Charging Voucher When Insuring with PICC!
Planning to buy your "Driving Northbound" insurance? Now, when you purchase your Mainland motor insurance plan from PICC Property and Casualty Company Limited through Hong Kong Motor Club , you not only gain comprehensive cross-border coverage and rescue services supported by over 200 service outlets across Guangdong Province, but you also unlock an exclusive limited-time reward!
🎁 Exclusive Offer Details:
Offer: Purchase the Driving Northbound insurance via Hong Kong Motor Club and receive a $100 Fuel Voucher or EV Charging Voucher!
Eligibility: Suitable for both petrol cars and new energy electric vehicles, ensuring practical rewards for all drivers!
👉 [Click Here to Insure via Hong Kong Motor Club / Enquire Now]: Click to Apply
