Pursuant to the rules and advice for all drivers in Chapter 5 of the Road Users’ Code prepared by the Transport Department, the vehicle owner/ driver must follow certain practices, including having the vehicle covered by an effective insurance policy and a valid vehicle licence displayed on the lefthand side of the windscreen. Also, he/ she must keep the vehicle in good working order and follow the vehicle owner’s handbook advice on regular servicing and vehicle checks.

A failure on the part of any person to observe any provisions in the Road Users’ Code is in itself not an offence, but any such failure may in any proceedings whether civil or criminal be relied upon by any party to the proceedings as tending to establish or negative any liability which is in question in those proceedings, and may be taken into account when deciding if a road user was at fault or not and to what extent. Such a decision may hinder a Motor Insurance claim request, like being declined by the insurer or affecting the compensation amount offered to the insured. Following the Road Users’ Code to ensure driving safety and comprehensive insurance coverage is the driver's responsibility.

For the details of the Road Traffic Ordinance and the Road Users’ Code, please visit the following official websites of the Hong Kong Government and the Transport Department. For any inquiries including the Motor Insurance/ Commercial Vehicle Insurance products offered by different insurers, please visit the relevant product pages or contact our Business Representatives or Customer Service Team.