Motor Insurance

Jetour and Hongqi Agency Repair: 2026 Insurance Exclusions UAE

Insurance Times UAE

If you own a Jetour or Hongqi in the UAE, your 2026 motor insurance renewal may come with an unwelcome surprise: agency repair coverage is being quietly removed or capped. Before you sign on the dotted line, it's worth understanding exactly why UAE insurers are changing their stance on Chinese luxury brands — and how to protect your coverage. Drivers can compare motor insurance plans to find the best rate before renewal.

Understanding Agency Repair vs. Premium Garage Networks in the UAE

Agency repair means your vehicle is returned to the manufacturer's authorised dealership after an accident — preserving warranty integrity and using original parts. For years, this was the gold standard for new car insurance in the UAE, typically offered for vehicles up to three to five years old under a comprehensive policy.

Premium Garage Networks (PGN) are a newer middle ground. These are insurer-approved workshops that meet certain quality benchmarks but are not official brand dealerships. They cost less to operate than agencies, which makes them attractive to underwriters managing rising claim costs.

The Central Bank of the UAE (CBUAE) Unified Motor Insurance Policy establishes the baseline framework for motor cover. However, "Optional Benefits" — including agency repair — remain entirely at the discretion of the individual insurer. This means coverage eligibility, duration, and cost can vary significantly between providers.

For a broader look at this decision, the Agency vs Non-Agency Repair guide is an excellent reference for UAE SUV owners approaching the three-year milestone.

Why Jetour and Hongqi Face 2026 Insurance Exclusions

The shift is not arbitrary. In 2026, UAE underwriters have begun adjusting their appetites for high-tech Chinese luxury marques based on hard loss-ratio data. Several factors are converging simultaneously.

Parts availability delays are the single largest driver. Unlike established European or Japanese brands with deep regional parts inventories, Jetour and Hongqi components — particularly advanced sensors, ADAS modules, and EV battery systems — often require 14 or more days to source. Extended repair timelines increase daily car rental costs, inflating total claim costs for insurers.

Advanced electronics complexity in Hongqi models is triggering disproportionately high repair bills. A minor front-end collision can result in sensor recalibration requirements that cost multiples of what an equivalent repair would on a legacy brand.

Low historical claims data in the UAE means actuaries cannot accurately price the risk. When uncertainty is high, surcharges follow.

The result: many insurers have capped agency repair for Jetour and Hongqi to the first 12 months of registration in 2026, compared to the three-to-five-year window enjoyed by legacy brands. Owners of Chinese EVs face similar headwinds, as explored in this used BYD and Geely insurance inspection guide.

2026 Coverage Comparison: Jetour and Hongqi vs. Legacy Brands

Key Factors Determining Eligibility for Agency Repair Coverage

Not every Jetour or Hongqi owner will face blanket exclusions. Eligibility for agency repair in 2026 depends on several insurer-assessed variables:

• Vehicle age: Exclusions disproportionately affect renewals for vehicles over two years old, even with a clean accident history.
• Model variant: Entry-level Jetour X70 trims face fewer restrictions than technology-laden Hongqi H9 or E-HS9 models.
• Insurer appetite: Some specialist motor insurers still offer agency repair as an optional top-up at an additional premium loading.
• Agreed value declarations: How your vehicle's value is assessed at policy inception also matters. The Agreed Value vs Market Value guide for Chinese cars UAE 2026 explains how valuation disputes frequently arise at renewal.

Yes, some insurers do offer a "top-up" endorsement to reinstate or extend agency repair for an additional premium. However, this surcharge can range from 15% to 30% above base rates in 2026, and not all providers offer this option for Chinese luxury brands. Always ask explicitly during your renewal process.

A Checklist for Renewing Your Jetour or Hongqi Policy in 2026

Renewal season requires a more active approach for Chinese brand owners. Follow these steps to avoid coverage gaps:

1. Request your current policy wording and locate the agency repair clause specifically — check if it has been modified from your previous term.
2. Compare at least three insurer quotes before accepting renewal. Rates and PGN quality vary considerably across UAE providers.
3. Ask about manufacturer warranty implications. Using a non-agency workshop may affect your Jetour or Hongqi warranty. Confirm with your dealership in writing before agreeing to PGN repair terms.
4. Check RTA-approved garage listings. The Roads and Transport Authority (RTA) maintains approved repair network standards that can help you verify whether a PGN meets minimum quality benchmarks.
5. Consider the resale impact. A vehicle repaired exclusively at non-agency workshops typically commands a lower resale value in the UAE used car market.
6. Use a comparison platform. licensed insurance platforms allows you to compare motor insurance plans side by side, so you can identify which insurers still offer agency repair options for your specific model.

For a broader understanding of how your policy type affects repair rights, this Comprehensive vs Third-Party UAE Motor Insurance Guide is worth reviewing before your renewal meeting.

Conclusion

Bottom line: The 2026 shift away from agency repair for Jetour and Hongqi models is driven by real underwriting data — parts delays, high electronics repair costs, and limited loss history in the UAE market. Understanding your policy's fine print before renewal is no longer optional; it's essential for protecting both your vehicle and its long-term value. Visit licensed insurance platforms to compare, buy, and manage your motor insurance — all in one place.

Short Summary: Jetour and Hongqi owners face new 2026 agency repair exclusions in UAE motor insurance — here's why and what to do.

Meta Description: Jetour and Hongqi agency repair is being capped in 2026 UAE policies. Learn why insurers are changing cover and how to protect your renewal.

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Editorial note: This article is for general information and does not constitute insurance advice. Always confirm terms with your insurer.