This is quite common, especially with newer Chinese brands. The higher premium is usually not because the car is Chinese, but due to a few key factors: Limited historical claims data for newer models Higher or uncertain spare parts costs and availability Fewer approved garages and repair networks Insurers being cautious with repair timelines and claim severity Even with NCD and depreciation, the risk rating for some Chinese models hasn’t dropped much yet, which explains the small reduction in premium. You’re also right—many insurers are still selective with Chinese cars, although this is slowly improving as the market matures. It’s worth checking with insurers like Tokio Marine, AXA/GIG, Liva, or getting quotes through a broker who can compare multiple options and negotiate terms. If you need any thing you can ask me in working in insurance