Starting from November 1, 2025, Hong Kong will enforce new regulations mandating the use of child restraint devices for children under 8 years old in private cars (Source). This move, approved by the Legislative Council under the Road Traffic (Safety Equipment) (Amendment) Regulation 2024, aims to enhance child passenger safety and reduce the risk of injuries in traffic accidents. As a parent or driver, it’s essential to understand these new rules and how they might impact your motor insurance coverage.
What Are the New Regulations?
The Transport Department has announced that:
- Children under 8 years old must use child restraint devices (e.g., child safety seats, booster seats, or wearable safety vests) unless they reach a height of 1.35 meters.
- Children aged 8 and above or those taller than 1.35 meters must use a restraining device or wear an adult seat belt.
- Exemptions apply in emergencies or if the driver reasonably believes the child does not need a restraining device.
Violations of these rules can result in a fixed penalty of HK$230, with serious cases potentially leading to court action and fines of up to HK$2,000.
Why Are These Regulations Important?
Child restraint devices are proven to significantly reduce the risk of death or serious injury in car accidents. According to the Transport Department, these devices provide effective protection for young passengers, especially in high-impact collisions.
As a responsible driver, ensuring compliance with these regulations not only protects your child but also helps you avoid penalties and legal issues.
How Does This Affect Your Motor Insurance?
Since 1991, Navigator Insurance helps hundred of thousands people in motor insurance. In our views, while the new regulations focus on safety, they also have implications for your motor insurance coverage. Here’s what you need to know:
- Compliance with Laws: Most motor insurance policies require drivers to comply with local traffic laws. Failure to use child restraint devices could be seen as negligence, potentially voiding your coverage in the event of an accident.
- Liability Coverage: If an accident occurs and a child is injured due to the lack of a proper restraint device, you may face significant liability claims. Comprehensive motor insurance can help cover these costs, but only if you’ve followed the law.
- Enhanced Protection: Some insurers offer additional coverage for child safety seats or other safety equipment. Check with your provider to see if your policy includes such benefits.
Tips for Parents and Drivers
- Choose the Right Device: Select a child restraint device that matches your child’s age, weight, and height. Options include conventional child safety seats, seat belt adjusters, wearable safety vests, and foldable boosters.
- Install Correctly: Ensure the device is properly installed and secured according to the manufacturer’s instructions.
- Update Your Insurance: Review your motor insurance policy to ensure it covers any additional risks or liabilities related to child safety.
- Educate Yourself: Stay informed about the new regulations and any updates from the Transport Department or Road Safety Council.
Contact Us for Assistance
Navigating these new regulations and understanding their impact on your motor insurance can be challenging. If you have questions or need help selecting the right coverage, contact us today. Our team of experts is here to guide you and ensure your family is protected on the road.
