The invention provides a high-glossiness flame-retardant PC/PET/nano-kaolin composite material and a preparation method thereof. The composite material is prepared from the ingredients: 33-55 parts of PC, 20-30 parts of PET, 5-10 parts of nano kaolin, 3-5 parts of barium sulfate, 10-15 parts of halogen-free flame retardant, 5-8 parts of toughening agent, 2-4 parts of compatibilizer, 0.3-0.5 part of antioxidant, 0.3-0.5 part of ester exchange inhibitor, 0.5-1.5 parts of nucleating agent, 0.3-0.5 part of lubricant and 0.4-0.8 part of high-glossiness auxiliaries. The high-glossiness and high-impact 5VA flame-retardant PC/PET/nano-kaolin composite material prepared by the method provided by the invention has very high weather resistance, flame retardance and high-impact property and has a very good resisting effect on solvents, oil stains and other chemicals. The problems that ordinary PC materials are poor in oil resistance and suffer from stress cracking, ordinary PC/ABS hardly reaches a 5VA flame-retardant level, PC/PET/inorganic filler is low in impact, and ordinary PC/PET has the characteristics of high shrinking percentage, low strength, easiness in ester exchange, and the like are successfully solved. The PET endows alloy with better oil resistance and heat resistance, and the nano kaolin endows the alloy with excellent dimensional stability, flame retardance and rigidity.