Dutch Insurer Restricts Coverage for Cars, Citing Issues with Chinese Brands

Dutch insurer Univé has limited its insurance offerings for several car brands, predominantly Chinese manufacturers, citing concerns over parts availability, technical documentation, and service network limitations. This move affects the ability of owners of these vehicles to secure comprehensive coverage.

For certain brands, including Dongfeng, NIO, ZEEKR, and Lucid, Univé now only provides mandatory third-party liability insurance (OC). Other brands, such as Hongqi, Changan, Leapmotor, VinFast, Jaecoo, MHero, and Omoda, have been completely removed from the insurer's product line. Univé indicated that this list is not final and could change if manufacturers improve their technical support and parts supply.

The core issue for the insurer lies in accurately assessing the cost and duration of vehicle repairs following an incident. For some newer brands, there's a scarcity of necessary parts and clear service instructions. Additionally, workshops may lack the specialized equipment and training required for specific models, leading to prolonged repair times. One reported case involved a 200-day wait for a control module for a Chinese model.

While industry organizations like BOVAG acknowledge that service issues for new brands can be temporary as manufacturers expand their networks, Univé's decision highlights the importance for consumers to consider not only a vehicle's price and specifications but also the availability of after-sales support and insurance options before purchasing. In Poland, insurers cannot refuse mandatory OC based on car brand but can charge significantly higher premiums, while voluntary comprehensive insurance (AC) can be restricted or denied.