依強制汽車責任保險法第21條規定，只有下列情形要保人才可以終止契約：

1.被保險汽車牌照已繳銷、或因吊銷、註銷或因停駛而繳存者。

2.被保險汽車報廢，經向公路監理機關辦理完成報廢登記手續者。報廢汽車若經登記，但車體並未銷毀，仍行駛者，因仍屬強制汽車責任保險法所稱應投保之汽車，故不宜終止保險契約。

3.被保險汽車因所有權移轉且移轉後之投保義務人已投保強制車險契約，致發生重複投保情形。

※前述停駛係指向公路監理機關辦理完成停駛登記手續，如因出國期間暫停使用車輛，不可辦理終止契約。

 

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According to Article 21 of the Compulsory Automobile Liability Insurance Act, the policyholder can terminate the contract only under the following circumstances:
1. The insured vehicle's license plate has been surrendered, revoked, cancelled, or temporarily stored due to suspension.
2. The insured vehicle is scrapped and has completed the deregistration procedure with the transportation authority. If the scrapped vehicle is registered but the vehicle body has not been destroyed and is still in use, it is still considered a vehicle that should be insured under the Compulsory Automobile Liability Insurance Act, therefore termination of the insurance contract is not advisable.
3. The insured vehicle's ownership is transferred and the new policyholder has already purchased a compulsory vehicle insurance contract, resulting in duplicate insurance.
※Suspension refers to completing the suspension registration with the transportation authority. Temporary non-use during overseas travel does not qualify for contract termination.

 

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