Chinese Car Insurance

Why is the Chinese Car Market Growing in the UAE?

Over time, Chinese cars have shown significant improvement in quality and reliability. Their service and spare parts networks also continue to expand, which is reflected in an increased number of insurance options for such cars. Additionally, the brands offer advanced features at competitive rates. For all such reasons and more, Chinese cars are becoming increasingly common in the UAE’s automobile market. 

As per recent stats, the market share of Chinese cars has shot up from 4% (2023) to around 7% (in 2024), showcasing a whopping 86% increase in the sales volume. In the coming years, Chinese brands are expected to grab 15% of the UAE market.

What is Chinese Car Insurance in UAE?

A Chinese car insurance policy provides much-needed financial and legal protection on the road. If your car is damaged, stolen, or involved in a collision that causes third-party damages, your plan can cover you against the losses and liabilities.  A comprehensive plan is indeed the best way to secure your Chinese-brand car. You can easily find car insurance in UAE for major Chinese car brands, including —

• MG Cars
• GAC Motors
• Changan
• Haval
• Hongqi
• Geely
• Chery
• BYD
• Jetour

Is it Easy To Insure a Chinese Vehicle?

Yes, it is easy to insure most Chinese-brand cars in the UAE, particularly the models sold through authorised dealers. Just keep in mind that the insurance approval primarily depends on —

• Brand’s presence in the UAE
• Authorised service centres
• Claim repair feasibility
• Availability of spare parts
• Vehicle’s age and value

Types of Chinese Car Insurance in UAE

There are two main types of Chinese car insurance in UAE —

Third-party Chinese Car Insurance 

• Mandatory under the UAE law
• Covers damages to other third-party vehicles, property, and other people
• An affordable option for budget-conscious drivers

Comprehensive Chinese Car Insurance 

• Covers both your own vehicle and third-party damages
• Protection against fire, accidents, theft, and natural disasters
• Suitable for new or high-value Chinese vehicles

What is Covered and Not Covered under Chinese Car Insurance?

Here’s what is covered and not covered under Chinese vehicle insurance in UAE (ft. comprehensive motor insurance) —

What is Covered?	What is Not Covered?	Add-ons for Chinese Car Insurance
Damages to third-party property Third-party bodily injuries or death Third-party liabilities Ambulance service  Loss of personal belongings Damage to your own vehicle because of an accident, collision, or fire Emergency medical expenses	Engine breakdown in regular use Damage due to wear and tear Damage due to civil wars, hostilities, wars, and more Damage if the car was used in criminal or fraudulent activities Accident outside the territorial scope of coverage	Personal accident cover for the driver and passengers Natural disaster cover Roadside assistance benefit  Oman extension cover Rent-a-car benefit

Average Chinese Car Insurance Costs in UAE

Here’s a rundown of brand-wise Chinese car insurance costs in UAE.

Manufacturer	SUV (in AED)	Sedan (in AED)
MG	1,600	1,440
Geely	1,800	1,700
Jetour	1,800	N/A
Jac	1,700	1,700
Changan	1,800	1,900
Haval	1,600	H/A
GAC	1,600	1,900
Chery	1,700	1.700
BYD	3,250	3,250
Great Wall	2,100	N/A
Baic	1,800	N/A
Hongqi	2,000	1,900

Note: The prices above are for reference only. Actual premiums may vary as per your car model, manufacturing history, driving experience, claim history, and more.

Best Insurance for Chinese Cars in UAE

Here are the top insurers that offer Chinese car insurance in UAE —

• Tokio Marine
• GIG Gulf
• RAKInsurance
• Sukoon Insurance
• Methaq Takaful
• Orient Insurance
• Al Wathba

Hacks to Save on Your Chinese Car Insurance Premium

If you want to reduce your Chinese car insurance costs, here are some easy-to-follow steps for better rates without compromising coverage. Here are the hacks to save on your Chinese motor insurance premium —

• Compare the quotes from multiple providers
• Use the no-claim bonus discount smartly (in case of renewal)
• Opt for higher deductible rates*

*Do this only if you can handle higher out-of-pocket expenses at the time of claim

How to Get the Best Chinese Car Insurance in UAE?

Don’t randomly buy the first Chinese car insurance you find! Before deciding on a plan, check premiums and analyse the following factors —

• Verify the premiums and benefits. Compare the premiums against the benefits from the insurance company you select. Several companies tend to offer higher premiums for advanced protection of your Chinese car. However, if your car is old and you only need third-party coverage, the premium may not justify the necessity.
• Understand the coverage scope. Analyse and understand the overall coverage scope of the insurance company you plan on choosing. Also, check whether you get the options to customise your plan with add-ons as per your specific requirements. 
• Check the garage network. Ensure you get the best Chinese motor insurance from an insurance company with a strong, authentic garage network across the UAE. This can come in handy at the time of a claim, as you can get assistance faster.
• Claim process and support. Buy Chinese car insurance from a provider with a quick claim process and a high claim settlement ratio. Furthermore, it should have a higher customer service response system. Doing so ensures that help is promptly available when you need it the most.

Documents Required to Buy Chinese Vehicle Insurance in UAE

Here are the documents that you need to buy Chinese car insurance in UAE —

• Valid Emirates ID
• Valid driver’s licence
• Previous policy certificates (if applicable)
• Vehicle clearance certificate 
• Showroom invoice (for new cars)

Where to Buy the Best Chinese Car Insurance in UAE?

You can easily buy car insurance for your Chinese vehicle on Policybazaar.ae. Whether it is an EV, a hybrid, or a fuel-driven car, we have Chinese motor insurance policies for all leading brands and car types. Get the best car insurance in UAE in a few seconds with just some quick clicks!

Frequently Asked Questions

Guide of Car Insurance in UAE

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