最近好多車友問：去內地開車，買最平嗰份「交強險」就夠？其實裡面大有學問！CarBoss 幫大家整理咗 3 個投保關鍵：
Many car owners ask: Is the cheapest "Compulsory Insurance" enough? Here are 3 key tips summarized by CarBoss to help you save money and stay protected:

1️⃣ 強制性「交強險」：保障一樣，保費大不同！
Compulsory Traffic Insurance (CTI): Same Coverage, Different Prices!

• 所有公司保障範圍完全一樣（總限額 20 萬人民幣），但保費最高可相差近 4 成！All companies offer identical coverage (Limit: RMB 200k), but premiums can vary by nearly 40%!
•  結論 / Conclusion: 必買且必比！必先貨比三家。/ It’s a must-buy, but shop around for the best price!

2️⃣ 商業險配置：唔好搞錯「第三者」同「座位險」！
Commercial Insurance: "Third-Party" vs. "Passenger Liability"

• 第三者險係賠畀「車外」嘅人（建議買 200 萬+）；座位險先係保你同車內家人！Third-Party covers people OUTSIDE your car (Recommend RMB 2M+). Passenger Liability is what covers you and your family INSIDE!
• 結論 / Conclusion: 想保埋自己同屋企人，一定要加購「座位險」。/ To protect your loved ones, "Passenger Liability" is an essential add-on.

3️⃣ CarBoss 行動建議 / Action Plan:
✅ 必買 (Must Buy): 交強險 (CTI) 符合法律要求。
✅ 必比 (Must Compare): 向多間公司索取報價。/ Get quotes from multiple providers.
✅ 必加 (Must Add): 第三者 + 座位險 = 完整防護網。/ Combine both for a complete safety net.