Third Party Risks Insurance

Any person (including the vehicle owner and driver) has the responsibility of ensuring the presence of a valid third party risks insurance policy in accordance with the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272, Laws of Hong Kong) for the vehicle concerned whilst using it on roads.  The liability to be covered arising out of one event should not be less than HK$100,000,000. Person who contravenes such requirement commits an offence and is liable to a fine of HK$10,000 and imprisonment for 12 months, and will also be disqualified from holding or obtaining a driving licence (for a period of 12 months to 3 years). The Commissioner for Transport may refuse to license the vehicle concerned or cancel the vehicle licence concerned.

第三者風險保險

任何人（包括車主及司機）在道路上使用汽車，有責任確保有關汽車已根據《汽車保險（第三者風險）條例》（香港法例第272章）購備有一份有效的第三者風險保險單。承保款額(以一宗事故所引起的法律責任計)不得少於一億港元。假如有關人士違反此規定，即屬犯罪，可被處罰款一萬港元及監禁十二個月；而有關人士持有或領取駕駛執照的資格亦會被取消（由十二個月至三年不等）。運輸署署長可拒絕發出有關車輛牌照或取消該車輛牌照。