OK, if you are going to buy 3rd party ins yourself (assuming you are over 25 yrs and got local license for over 2 years) and the 7 seater is something like a 2000CC type car, you are looking at 2500HKD to 3000HKD with 10K deductible. The cheapest way to get yourself insured is asking your BIL to be the principle driver and add you as named driver, so you can enjoy the whatever NCB (max 60%) your BIL got. The draw back is, if you crashed, your BIL NCB will be gone and he will probably gonna kill you.