# BAIC Car Insurance in the UAE
**Published:** 2025-12-26
**Updated:** 2026-01-22
**Author:** Nupur Jain
**Reviewer:** Toshita Chauhan Balochi
**Original Url:** https://www.policybazaar.ae/car-insurance/baic/
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When it comes to protecting your BAIC car in the UAE, it’s important to select the right insurance. You can ensure your vehicle is protected in case of unexpected events with options like third-party and comprehensive coverage. Find out all about BAIC car insurance and discover how to find the best policy to meet your needs and budget.
## A Quick Glimpse into BAIC Cars in the UAE
BAIC is one of China’s largest automotive companies. It has global partnerships and collaborates with major international brands on technology. **BAIC vehicles are perfect for people in the UAE who are seeking —**
* Competitive pricing
* Modern interiors and safety features
* SUV-focused lineup
* Long manufacturer warranties
As dealership presence and service networks continue to expand, you can find many insurance companies offering policies for BAIC vehicles.
## Can You Get BAIC Car Insurance in UAE?
Yes, you can easily get BAIC car insurance in UAE, particularly if you buy your vehicle from an authorised dealer. While getting insurance for your car, it’s worth remembering that most motor insurance companies evaluate your vehicle based on —
1. Spare part availability
2. Authorised service and repair garages
3. Vehicle’s age and market value
4. Feasibility of the claim repair
## Types of BAIC Vehicle Insurance in UAE
There are two main types of BAIC motor insurance in UAE: third-party insurance and comprehensive insurance. Here is a detailed overview of these types —
* **Third-Party Car Insurance -** Third-party is a minimum legal requirement in the UAE. It only covers damage your vehicle causes to the third party’s property or vehicle. It also covers third-party bodily injuries or death. This BAIC car insurance option is perfect for older vehicles with lower resale value.
* **Comprehensive Car Insurance-** While it is not a mandatory insurance policy, it’s always recommended to get comprehensive cover. This insurance type covers damage to third-party and own vehicles. It is perfect for new and mid-value BAIC cars and is often mandated for financed vehicles.
## Related Car Insurance
[Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/)
[Comprehensive Car Insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/)
[Car Insurance Calculator](https://www.policybazaar.ae/car-insurance-calculator-uae/)
[Non Gcc Car Insurance](https://www.policybazaar.ae/non-gcc-vehicles-affect-car-insurance-premium-ciart/)
[Check Car Insurance Status Online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/)
## List of Best Insurance for BAIC Cars in UAE
**Here are the top companies that offer the best insurance for BAIC cars in UAE —**
* [Sukoon Insurance](https://www.policybazaar.ae/oman-car-insurance-cipvd/)
* [Methaq Takaful](https://www.policybazaar.ae/insurance-companies/methaq-takaful-car-insurance/)
* [GIG Gulf](https://www.policybazaar.ae/axa-car-insurance-cipvd/)
* [Qatar Insurance Company](https://www.policybazaar.ae/qatar-car-insurance-cipvd/)
* [Al Wathba National Insurance](https://www.policybazaar.ae/al-wathba-car-insurance-cipvd/)
* [Tokio Marine Insurance](https://www.policybazaar.ae/tokio-marine-car-insurance-cipvd/)
* [Alliance Insurance](https://www.policybazaar.ae/alliance-car-insurance-cipvd/)
* [Orient Insurance](https://www.policybazaar.ae/orient-car-insurance-cipvd/)
* [Insurance House](https://www.policybazaar.ae/insurance-house-car-insurance-cipvd/)
* [RAKInsurance](https://www.policybazaar.ae/rak-car-insurance-cipvd/)
## What is Covered and Not Covered under BAIC Comprehensive Insurance in UAE?
While the inclusions and exclusions can vary as per the provider, **here are some general inclusions and exclusions that you get with BAIC comprehensive insurance in UAE —**
| Inclusions | Exclusions |
| --- | --- |
| Third-party damage
Third-party liabilities
Damage to the insured vehicle
Blood money
Loss of personal belongings
Windscreen excess waiver
Emergency medical expenses
Ambulance service
Fire and theft cover
Personal injury | Normal wear and tear caused to the car
Damage to the car while driving under the influence
Damage to the vehicle while driving without a valid licence
Damage to the car during war or war-like scenarios
Driving the vehicle commercially while it is intended for personal use
Damages outside the geographical scope of cover
Damage to the car when using it for illegal or criminal activities |
## Popular BAIC Models that You Can Insure in UAE
You can insure all the major BAIC models easily. Here are the top models —
* BJ80
* BJ40 C
* BJ40 SE
* BJ60
* F40
* X7
* X55 II
* X35
* U5 PLUS
## Cost of BAIC Car Insurance
You can get third-party [motor insurance](https://www.policybazaar.ae/car-insurance/) starting at just AED 630. For BAIC comprehensive insurance in UAE, the premiums start from around AED 1,800 (for SUVs). **Note** that the figures above are only for reference. Actual premiums may vary.
| **[Buy Insurance for Chinese Cars in UAE](https://www.policybazaar.ae/car-insurance/articles/chinese-car-insurance/)** |
| --- |
## Factors that Affect BAIC Motor Insurance Premiums in UAE
**The following factors can affect your BAIC car insurance premiums —**
* Parts availability and cost. In case the spare parts for your car need to be imported from China, the insurance premium may increase.
* Driver’s profile. If the driver is under the age of 25 years, it can increase the premium. However, if you are an experienced driver, the premiums can be lower.
* Claims history. If you have already filed multiple claims, you are considered an unsafe driver. Thus, the premium for your BAIC motor insurance increases.
* Coverage type. You can choose between third-party and comprehensive car insurance. Comprehensive insurance typically has a higher premium than third-party coverage.
* Add-ons. Extra coverage options that you choose for your BAIC car insurance can significantly raise your premium. Make sure to select only the add-ons that you truly need.
## How to Save on BAIC Car Insurance Premiums?
**Here are some practical ways to reduce your BAIC motor insurance premiums —**
* Maintain a claim-free driving record
* Compare insurance plans annually before renewal
* Avoid unnecessary add-ons
* Renew insurance before expiry to prevent penalties
## Where to Get BAIC Vehicle Insurance in UAE?
You can easily insure your BAIC car in the UAE through [Policybazaar.ae](https://www.policybazaar.ae/). This website serves as a one-stop shop for all your car insurance needs in Dubai and across the UAE. With its user-friendly interface, you can purchase a BAIC motor insurance policy in just a few minutes.
## Car Insurance for Top Chinese Car Brands in UAE
* [MG Car Insurance](https://www.policybazaar.ae/car-insurance/mg/)
* [Jetour Car Insurance](https://www.policybazaar.ae/car-insurance/jetour/)
* [Haval Car Insurance](https://www.policybazaar.ae/car-insurance/haval/)
* [Chery Car Insurance](https://www.policybazaar.ae/car-insurance/chery/)
* [Byd Car Insurance](https://www.policybazaar.ae/car-insurance/byd/)
* [Changan Car Insurance](https://www.policybazaar.ae/car-insurance/changan/)
* [Maxus Car Insurance](https://www.policybazaar.ae/car-insurance/maxus/)
* [Great Wall Car Insurance](https://www.policybazaar.ae/car-insurance/great-wall/)
* [GAC Car Insurance](https://www.policybazaar.ae/car-insurance/gac/)
* [Exeed Car Insurance](https://www.policybazaar.ae/car-insurance/exeed/)
* [Soueast Car Insurance](https://www.policybazaar.ae/car-insurance/soueast/)
* [JAC Car Insurance](https://www.policybazaar.ae/car-insurance/jac/)
* [Hongqi Car Insurance](https://www.policybazaar.ae/car-insurance/hongqi/)
* [Bestune Car Insurance](https://www.policybazaar.ae/car-insurance/bestune/)
## Frequently Asked Questions
### Is comprehensive car insurance available for BAIC cars?
Yes, comprehensive car insurance is easily available for your BAIC cars. It is, in fact, recommended for new, financed, and expensive models.
### Can I insure my used BAIC car?
Yes, you can insure your used BAIC vehicle. However, it is subject to vehicle inspection and the insurer’s approval.
### What are the main add-ons for BAIC cars?
**The main add-ons for BAIC motor insurance are —**
* Personal accident cover for the driver and passengers
* Roadside assistance
* Natural calamities cover
* Oman extension cover
* Vehicle replacement benefit
### Do BAIC cars attract higher insurance premiums?
BAIC auto insurance premiums are generally competitive and comparable to other Chinese brands.
### Can you renew BAIC car insurance online in the UAE?
Yes, you can renew your BAIC car insurance online on platforms like Policybazaar.ae.
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