Core Viewpoint - The Hong Kong insurance industry is prepared for the implementation of the "Yue Che Nan Xia" policy, which allows vehicles from Guangdong to enter Hong Kong, with specific insurance products and premiums being designed for this initiative [1] Group 1: Insurance Arrangements - The Hong Kong government aims to implement the "Yue Che Nan Xia" policy by November this year, allowing an initial quota of 100 vehicles per day to enter Hong Kong [1] - All vehicles using border parking lots and entering urban areas must purchase third-party liability insurance [1] - Hong Kong insurance companies are ready to provide the necessary insurance arrangements, with initial applicants able to purchase policies through company websites [1] Group 2: Product Design and Premiums - The Hong Kong Insurance Industry Association plans to create a dedicated online section for "Yue Che Nan Xia" insurance products [1] - Due to current regulations, Hong Kong insurance companies cannot promote or market products in mainland China, but there is hope for future regulatory adjustments to facilitate insurance applications for Guangdong vehicles [1] - The insurance industry anticipates that vehicles will not stay in Hong Kong for long, leading to the design of short-term insurance policies with adjusted premiums [1]

因此第一阶段（即车辆停泊在港珠澳大桥香港口岸，旅客转乘公共交通入港）实在乏善可陈：同样以湾仔会展中心为例，从港珠澳大桥香港口 岸和从深港各口岸前往，时间都在一个半小时左右（从港珠澳大桥珠海口岸过去，加上金巴是三个小时）。 对比费用来看，深港口岸的停车费，深圳收10元一个小时，珠海甚至更便宜；而港珠澳大桥香港口岸虽然没说跨境车收多少，但是本地车的停 车费，如果有预约，是28港元一个小时；如果没有预约或者超过预约时间，则是56港元一个小时。如果再加上港珠澳大桥往返路费"盛惠"300 元人民币（深中通道的收费是132元人民币），第一阶段"粤车南下"和停泊在深圳口岸相比完全没有价格优势，事实上等同脱裤放屁。 这也并非是我个人的看法。事实上，实证圆桌的立法会议员田北辰先生，也大感方案有不足之处。在他向广东省政府提交的意见稿中提到： "这样安排与「港车北上」的做法相差甚远，甚至与直接乘搭公共交通工具入境并无太大区别" 粤车南下的新闻一出，各界热议。 很多人觉得港车北上、粤车南下恐因两地交通规则有分别，易生事故；但从我个人经验出发来看，在粤港两地驾车，一般花五分钟即可习惯相 反的行车方向；习惯方向以后，其他事情（例如香港的 ...