Get Early-Bird Access to Ride-hailing Motor Insurance
Allianz Ride-Hailing Motor Insurance
Allianz Ride-hailing Motor Insurance is launching soon to help private car owners meet the Transport Department's ride-hailing registration requirements.
🎁Sign up by 15 October to secure an extra HK$1,000 off your policy.
Get HK$1,000 OffWhat is Ride-hailing Motor Insurance?
Hong Kong is introducing a comprehensive licensing regime for ride-hailing services. Under this new framework, any private car owner who provides passenger services through a licensed platform must hold ride-hailing motor insurance for ride-hailing service.
How is this different from your current motor insurance?
Standard Private Car Insurance
Personal use only
Your standard private car insurance provides coverage for personal domestic and pleasure use only. The moment you accept a ride-hailing job through Uber, Didi or any other platforms under a standard private car insurance, your policy does not operate immediately. If an incident occurs during a ride-hailing trip, your claim will be invalid.
Ride-hailing MOTOR Insurance
Commercial + Personal coverage
Ride-hailing motor insurance provides the commercial ride-hailing motor coverage required by law, along with the private vehicle insurance you require for your everyday personal driving.
The bottom line
Without valid ride-hailing vehicle permit insurance, you cannot obtain a vehicle permit, and without a vehicle permit, you cannot legally participate in ride-hailing activities with leading platforms like Uber or Didi.
🚙Already an Allianz Motor Insurance Customer?
If you're an existing Allianz private car insurance customer and planning to drive for a ride-hailing service, here's the good news: one ride-hailing insurance policy covers both your ride-hailing service and everyday driving!
We'll handle everything for you:
✓ Pro-rata Refund - We refund the unused portion of your current private car policy after you obtain a new Ride-hailing motor insurance with us
✓ New Policy, Same Insurer - No need to switch insurers. Your ride-hailing cover stays with Allianz, so your car stays protected by the world's #1 insurance brand - Allianz
✓ Zero Coverage Gap - Your protection stays continuous. One motor policy covers both ride-hailing and leisure use
✓ Loyalty Offer - Enjoy exclusive offer with competitive pricing for our loyal customers
From private driving to ride-hailing, Allianz makes the transition seamless with the protection you can rely on.
🚗Currently Insured Elsewhere? Switch to Allianz for Your Ride-Hailing Cover
If your private car is currently insured with another company and you're looking for Ride-hailing motor insurance in Hong Kong, Allianz is the perfect insurer for you.
Why switch to Allianz?
✓ One Insurer, One Policy, Full Coverage - Under the new framework, your ride-hailing insurance must also cover standard private car use. With Allianz, you consolidate everything under one roof
✓ Smooth Transition - Cancel your current policy (check with your insurer regarding refund terms), then start fresh with Allianz covering both domestic and pleasure use, as well as for ride-hailing purpose with a competitive offer
✓ Early-Bird Advantage - Register for an exclusive promo code and lock in our launch offer
Don't wait until the permit application window opens and find yourself scrambling for cover. Plan your new insurance coverage early!
📋Ride-Hailing Motor Permit: Eligibility at a Glance
To obtain a ride-hailing motor permit, you and your vehicle must meet all the following requirements:
Your Vehicle
Vehicle Requirements
✓ Individual Registration - Vehicle is registered under an individual's name (not a company)
✓ Registered Owner - The applicant must be the registered owner of the private car
✓ Valid Vehicle Licence - The vehicle must hold a valid vehicle licence at the time of application
✓ Vehicle Age - Must not be more than 12 years old at the time of application
✓ Ride-hailing motor insurance - Must hold valid ride-hailing motor insurance covering passenger services
You as a Driver
Driver Requirements
✓ Age - Must be at least 21 years old
✓ Residency - Must hold a Hong Kong permanent identity card (or an identity card with no condition of stay restrictions)
✓ Driver Permit - Owner must hold a valid ride-hailing vehicle driver permit
✓ Driving Experience - Must hold a valid private car or light goods vehicle driving license for at least 1 year
✓ Clean Record - No serious traffic convictions within 5 years prior to application
✓ Written Test & Training - Must pass the Taxi and Ride-hailing Vehicle Combined Written Test within 3 years and complete pre-service training within 1 year before the application date
Key Facts
| Citywide Quota | 10,000 permits (applications exceeding quota decided by ballot) |
| Permit Validity | Aligned with your vehicle licence expiry date, up to a maximum of 16 months. Renewable multiple times, subject to an overall maximum validity period of 5 years. |
| Operation | Only through licensed platforms |
| Vehicle-driver Binding | Only the registered owner may drive |
| Multi-platform | You may register with multiple licensed platforms (Uber, Didi, etc.) |
Information based on the Transport Department's published framework. Subject to latest official announcements. For full details, visit the Transport Department - Ride-hailing Vehicles page.
🗓️Key Dates to Remember
The ride-hailing regulatory framework is already in motion. Here's the full timeline you need to know:
3 August 2026
Applications for the Taxi and Ride-hailing Vehicle Combined Written Test are open.
Mid-September 2026
First batch of candidates sits the Taxi and Ride-hailing Vehicle Combined Written Test.
Q4 2026
Transport Department opens applications for ride-hailing vehicle permits and driver permits. If applications exceed the 10,000 quota, a ballot will determine successful applicants.
After Ballot
Successful applicants are required to submit a valid Certificate of Insurance to the Transport Department to complete the registration.
What this means for you
📝 The written test is a prerequisite for your Ride-hailing driver permit. Apply early to secure your spot.
⏱️ Insurance arrangements take time. Start preparing well before the application window opens.
Frequently Asked Questions
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*The information on this page is for reference only and does not constitute an offer or guarantee of any insurance product. Product details, terms, and premiums are subject to official announcements at launch. All regulatory information is subject to the latest announcements by the Transport Department.
Last Updated: September 2026
All insurance products presented on this website is underwritten by Allianz Global Corporate & Specialty SE (incorporated in the Federal Republic of Germany with limited liabilities) Hong Kong Branch ("Allianz") which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR.