The Dutch insurance company completely withdraws its support for the Omoda, Jaecoo, Leapmotor, Changan, KGM, … brands.

The Dutch insurance company Univé completely stopped offering coverage for seven Chinese, one South Korean, and one Vietnamese brand on August 18, 2026: Omoda, Jaecoo, Leapmotor, Voyah, Hongqi, Changan, M-Hero, KGM, and VinFast. Five additional brands are only covered under liability insurance: Nio, Zeekr, Dongfeng, Firefly, and Lucid. This is all due to issues with parts availability, which increases insurance costs [for companies].

Unive: It’s not about quality or origin, it’s about parts availability

Unive maintains that it is not about judging the country of origin or the quality of cars, but rather providing support for local workshops. When a manufacturer does not have a large inventory of parts located as close as possible to central Europe and a port that can receive shipments from the brand’s home country, waiting for a new replacement part can take weeks. As a result, the insurance company’s costs for a replacement car soar, as the customer drives it for weeks… months…

Omoda 9, illustrative photo (c) Omoda

Omoda and Jaecoo are part of the state-private Chery group, Leapmotor [International] is a consortium of Stellantis and Chinese Leapmotor, Voyah, M-Hero, and Dongfeng are brands under the state-owned Dongfeng, while Hongqi is produced by the state-owned FAW Group. Interestingly, buyers of Zeekr vehicles also lose the option to purchase only AC versions, but owners of Lynk & Co do not, even though both brands belong to the Chinese [private] Geely group—specifically, Zeekr holds 51 percent of Lynk & Co’s shares.

Lynk & Co 01

To make things even more interesting, the Chery brand owned by the Chery group is also not on the exclusion list. In fact, this Chinese group was the only one to respond to Unive’s decision (source). It admitted that access to certain components was indeed supposed to be restricted before summer, but the issue has reportedly been resolved. He suggested that the insurer’s decision might be due to a lack of updates in the catalogs of spare parts and their prices.

Chery Tiggo 7 PHEV (c) Chery

The aforementioned Lynk & Co, along with BYD and Tesla, were cited by Unive as companies that demonstrate how market newcomers can quickly establish the necessary infrastructure for repair shops. This also serves as a guide for buyers regarding brands they need not worry about. The insurer raised no objections either to Xpeng or MG, although Xpeng is not particularly popular in the Netherlands compared to brands like BYD. Concerning, however, is a past incident where a small crack in the front suspension of an American electric vehicle manufacturer—whose name was not disclosed—led to total loss, as the manufacturer’s instructions required the entire chassis to be replaced.

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