BYD Han Car Insurance
The BYD Han is a premium all-electric sedan that shows the company’s push into the luxury EV segment. Globally, the Han was first introduced ...read more
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Catering to drivers who value both efficiency and performance, it’s known for its long driving range, advanced safety systems, and refined interior quality. To protect such a high-value electric vehicle, however, understanding BYD Han car insurance, its coverage needs, and the insurance cost is essential.
Top Features of the BYD Han in the UAE
Before moving on to insurance, let’s take a look at some of the key features of BYD Han cars in the UAE —
| Feature* | Description |
|---|---|
| Variants | Premium and Platinum |
| Electric Powertrain | Fully electric sedan with Pure Electric drivetrain |
| Driving Range (WLTP) | Up to 565 km on a full charge |
| Battery Technology | Ultra-safe Blade Battery (LFP) for enhanced safety and durability |
| Battery Capacity | 85.4 kWh lithium iron phosphate battery |
| Acceleration | 0–100 km/h in as few as 3.9 seconds (AWD variant) |
| Drive Options | Front-Wheel Drive (FWD) and Smart Full-Time Four-Wheel Drive |
| Advanced Suspension | Intelligent electronically controlled active suspension (DiSus-C) |
| Driver Assistance System | DiPilot Driving Assistance System |
| Safety Systems | Automatic Emergency Braking, Lane Keep Assist, Adaptive Cruise Control |
| Interior Quality | Premium interior materials with advanced leather upholstery |
| Infotainment System | Large rotating touchscreen with smart connectivity features |
| Braking System | Front ventilated disc brakes with high-performance calipers |
| Charging Support | AC charging up to 11 kW and DC fast charging up to 120 kW |
| Climate Control | Dual-zone automatic climate control with air purification |
| Wheel Size | 19-inch alloy wheels (variant dependent) |
*For Reference Only
Top UAE Car Insurance Plans for BYD
Some of the best and the cheapest car insurance quotes in Dubai are:
Approximate BYD Han Car Price in the UAE
The BYD Han is priced from AED 231,900 in the UAE, as per official information. This is a starting price and may vary depending on the selected variant, specifications, dealer offers, and registration-related charges. Since motor insurance premiums in the UAE are closely linked to the vehicle’s value, the starting price plays an important role in determining the BYD Han car insurance cost, especially for comprehensive electric auto insurance.
Types of BYD Han Car Insurance in the UAE
When buying BYD Han car insurance in the UAE, owners can choose between two main types of motor insurance in UAE. The right option depends on the car’s value, usage, and the level of protection you want for your electric vehicle.
- Comprehensive BYD Han Car Insurance: Comprehensive insurance, offering the widest level of protection, is the most preferred option for a premium electric car like the BYD Han. It covers damage to your own car as well as third-party liabilities. This type of policy also protects against risks such as accidents, fire, theft, vandalism, and natural events like floods or storms. Given its high value, advanced electronics, and battery system, comprehensive electric car insurance for BYD Han is generally the most recommended coverage type.
- Third-Party BYD Han Car Insurance:Third-party insurance is the minimum legal requirement in the UAE. It covers damages or injuries caused to another person, vehicle, or property in an accident. However, it does not cover any damage to your own BYD Han. While this option has a lower premium, it offers limited protection. It may not be suitable for a premium electric sedan with higher repair and replacement costs.
Best BYD Han Car Insurance Plans in the UAE
In the table below, you can find some of the best BYD Han car insurance plans in the UAE —
| Insurer | Plan Type | Third-Party Damage Limit | Key Benefits |
|---|---|---|---|
| Sukoon Insurance | Comprehensive (Gold – Agency) | Up to AED 3,500,000 |
|
| Orient Insurance | Comprehensive (Gold – Agency) | Up to AED 3,500,000 |
|
| Insurance House | Third Party Only | Up to AED 2 Million |
|
| Dubai National Insurance (DNI) | Third Party Only | Up to AED 2 Million |
|
| RAK Insurance | Third Party Only | Up to AED 2 Million |
|
| QIC (Qatar Insurance Company) | Third Party Liability | Up to AED 2 Million |
|
Disclaimer: The plans above are only indicative examples and not the only options available. For more BYD Han motor insurance plans or choices for electric car insurance for BYD Han, please visit the official website of Policybazaar.ae and compare additional plans and insurers.
Car Insurance Related
Inclusions and Exclusions of BYD Han Car Insurance in the UAE
When buying BYD Han auto insurance, it is important to clearly understand what is covered and what is not covered — under both comprehensive and third-party plans. While electric car insurance for BYD Han follows UAE unified motor policy regulations, each insurer may apply specific limits, deductibles, and conditions.
| Coverage Aspect | Comprehensive BYD Han Car Insurance | Third Party BYD Han Car Insurance |
|---|---|---|
| Damage to Own BYD Han | Covered (accident, fire, theft, and so on) | Not Covered |
| Third Party Property Damage | Covered | Covered (up to AED 2 Million) |
| Third Party Bodily Injury | Covered (as per UAE law) | Covered (as per UAE law) |
| Ambulance Charges | Covered (as per policy limits) | Covered (as per policy limits) |
| Natural Disasters (Flood, Storm, etc.) | Covered (if included in policy) | Not Covered |
| Fire & Explosion | Covered | Covered (if third-party affected) |
| Theft of Vehicle | Covered | Not Covered |
| Windscreen Damage | Covered (as per limits) | Not Covered |
| Agency Repairs | Covered (if selected) | Not Applicable |
| Personal Accident Benefit | Optional Add-on | Not Included (unless added) |
| Off-road Cover | Optional (if applicable) | Not Covered |
| Roadside Assistance | Optional / Included in some plans | Optional (limited) |
Major Exclusions (Applicable to Most Plans)
The following situations are generally not covered under BYD car insurance policies —
- Driving without a valid UAE driving licence
- Driving under the influence of alcohol or drugs
- Participation in racing or speed testing
- Intentional damage
- Mechanical or electrical breakdown (unless add-on)
- Wear and tear, depreciation
- Damage outside UAE (unless geographic extension is added)
- War, invasion, civil unrest, or nuclear risks
- Using the vehicle for purposes not stated in the policy
Add-Ons Available for BYD Han Car Insurance
Find below the additional benefits and extensions available under a typical comprehensive motor vehicle insurance policy —
| Add-On Cover | Description |
|---|---|
| Replacement Vehicle Benefit | Provides a substitute vehicle or cash allowance during repair period |
| Off-Road Cover | Covers damage while driving off-road (applicable only to eligible vehicle types) |
| Personal Accident Cover | Additional personal accident protection for driver and passengers |
| Geographical Extension (Oman & Qatar) | Extends coverage outside the UAE to specified countries |
| Natural Disaster Cover | Covers floods, storms, earthquakes, and similar events (as defined in policy) |
| Personal Belongings Cover | Covers loss/damage to personal items inside the vehicle |
| Windscreen Damage (No Deductible) | Covers windscreen damage without applying excess |
| Lock Replacement | Covers the cost of replacing vehicle locks |
| Valet Parking Theft Cover | Covers theft while vehicle is parked by valet service |
| Agency Repair | Repair at authorised dealer workshop |
| Roadside Assistance | 24/7 roadside support services |
How are BYD Han Car Insurance Premiums Calculated in the UAE?
The BYD Han car insurance cost is calculated based on the following key factors —
- Insured Vehicle Value – Compensation in total loss is based on the insured value stated in the policy schedule
- Type of Coverage – Comprehensive (own damage + third party) costs more than third-party only
- Deductible (Excess) Amount – Higher deductible lowers premium — basic deductible is defined in the policy
- Depreciation Rules – Applied to replaced parts in partial loss claims as per the schedule
- Selected Add-Ons – Agency repair, personal accident, geographic extension, and so on
- Vehicle Usage – Must match declared usage in the policy
- Geographic Scope – UAE-only or extended (e.g., Oman/Qatar)
Frequently Asked Questions (FAQs) – BYD Han Car Insurance in the UAE
Is third party insurance mandatory for BYD Han in the UAE?
Yes. As per the UAE Unified Motor Vehicle Insurance Policy Against Third Party Liability, third-party coverage is compulsory for all vehicles registered in the UAE
Does Comprehensive BYD Han Car Insurance cover total loss?
Yes. In case of total loss, compensation is paid based on the insured value stated in the policy schedule, after applying applicable depreciation.
Is flood damage covered under BYD Han Car Insurance?
Damages due to floods are usually covered under comprehensive plans, defined under natural disasters in the policy wording. Coverage depends on whether natural disaster cover is included in your comprehensive policy.
Does Third Party Insurance cover damage to my BYD Han?
No. Third-party policies only cover injury or property damage caused to others. Damage to your own BYD Han is not covered under third-party insurance policies.
Is roadside assistance included in BYD Han Car Insurance?
Roadside assistance is available as an additional benefit under comprehensive plans, depending on the selected coverage.
Can I extend my BYD Han Car Insurance outside the UAE?
Yes. Geographic extension to countries such as Oman and Qatar may be available if selected as an add-on.
What documents are required to file a claim?
You generally need —
- Police report
- Copy of driving licence
- Vehicle registration copy
as mentioned in the claims procedure section of the policy.
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