Insurance Guide: What You Need Driving in China

Every vehicle driving in China — including temporary imported foreign cars — must carry valid third-party liability insurance. This is not optional. Without it, customs will not release your temporary license.

What Is Mandatory Third-Party Insurance?

Known in China as "交强险" (compulsory traffic insurance), this policy covers injury or property damage you cause to other people in an accident. It does not cover damage to your own vehicle.

• Covers medical expenses for third-party injuries
• Covers property damage to other vehicles or infrastructure
• Valid throughout mainland China
• Duration matches your temporary import permit (up to 6 months)

Do I Need Additional Insurance?

Mandatory insurance covers the minimum legal requirements. We strongly recommend considering:

• Vehicle damage insurance: Covers repairs to your own car in case of an accident.
• Personal accident insurance: Covers medical expenses for you and your passengers.
• Roadside assistance: Towing and emergency repair coverage in remote areas.

How We Arrange Your Insurance

We pre-arrange your mandatory insurance before you arrive at the border. When you clear customs, your insurance certificate is issued alongside your temporary license plate. You don't need to visit any insurance office — we handle it all in advance.

Cost

The cost of mandatory third-party insurance varies by vehicle type and duration. As a rough guide:

• SUVSedan (3 months): approximately ¥1,500–¥2,500 RMB
• Motorcycle (3 months): approximately ¥500–¥800 RMB
• Motorhome (3 months): approximately ¥2,500–¥4,000 RMB

We include the insurance cost in your transparent quote before you pay anything.

What Happens If I Have an Accident?

• Call the police (122) — get an official accident report.
• Call our 24/7 support line — we help with translation and insurance claims.
• Do not leave the scene before the police arrive.
• Keep all documents: police report, insurance certificate, temporary license.