Insurance Association of China Issues 2026 Auto Insurance Underwriting and Claims Guide

The Insurance Association of China has recently issued the Practical Guide for Motor Vehicle Insurance Underwriting and Claims (2026 Edition). As a key line of property insurance, motor vehicle insurance directly affects travel security and the vital interests of the public. With steady growth in vehicle ownership and the continued release of diversified travel demands, motor vehicle insurance scenarios have become increasingly rich, and the original operational norms need to be iteratively optimised to reflect new situations and scenarios. At the same time, there are certain differences in the execution standards of industry institutions in underwriting and claims handling, making it necessary to unify operational standards and reduce service disputes.

To this end, the Insurance Association of China led the formation of a special working group and, after multiple rounds of research and extensive solicitation of industry opinions, completed the revision of this Guide. The revision strictly follows the relevant requirements of the National Financial Regulatory Administration on regulating motor vehicle insurance operations and strengthening consumer protection, and conducts systematic research based on recent industry operational data, typical complaint and dispute cases, and supervisory work requirements.

The revision adheres to the core principle of protecting the legitimate rights and interests of insurance consumers, focusing on practical pain points in industry operations. It safeguards consumers' rights to information, independent choice and fair trade, clarifies the standards for personal injury compensation procedures, improves the paths for resolving disputes and conflicts, and further standardises grassroots operational procedures.