商品問題

明年承保狀況需視新一年度合約而定，建議可洽詢您的信用卡公司，明年是否仍提供此項福利。

Next year's coverage depends on the new annual contract. Please consult your credit card company about continued benefits for next year.

汽車任意保險包括：

1. 汽車車體損失險（甲式、乙式、丙式、限額車對車碰撞）。

2. 汽車竊盜損失險：承保汽車失竊所造成的損失。

3. 汽車第三人責任保險（人身傷害與財物損失）。

4. 乘客責任保險（自用車適用）。

5. 旅客及僱主責任保險（營業車適用）。

6. 其他特約保險。

Voluntary auto insurance includes:
1. Auto physical damage insurance (Type A, B, C, limited vehicle-to-vehicle collision).
2. Auto theft loss insurance: covers losses due to vehicle theft.
3. Third-party liability insurance (bodily injury and property damage).
4. Passenger liability insurance (for private vehicles).
5. Passenger and employer liability insurance (for commercial vehicles).
6. Other special agreement insurance.

所謂「自負額」指每一次意外事故發生時，被保險人必須自行承擔的損失金額，保險公司僅對超過自負額的部份負賠償責任。
假設當您投保車體損失險甲式或乙式並選擇自負額357為例，當被保險汽車發生承保範圍之損失時，被保險人須依出險次數而增加自行負擔之支出，第一次出險，被保險人負擔3,000元，第二次負擔5,000元，第三次以後（含第三次）被保險人負擔7,000元，保險公司僅對超過自負額的部份負賠償責任。
「自負額」的目的，是為了減少小額賠款的理賠，降低理賠成本，同時也減輕要保人的保費負擔，並可以提醒駕駛人小心駕駛、注意行車安全，避免意外事故，因為事故發生後，自己也要需要負擔部分的損失。
要保人或車主投保時，可以選擇較高之自負額，保險費會相對降低。

A "deductible" is the amount the insured must pay for each accident before insurance coverage begins. For example, with Type A or B physical damage insurance using deductible plan 357, the insured pays NT$3,000 for the first claim, NT$5,000 for the second, and NT$7,000 for the third and subsequent claims.
The purpose of deductibles is to reduce small claims processing costs, lower premium burdens, and encourage careful driving since drivers share accident costs.
Policyholders can choose higher deductibles for lower premiums.

信用卡提供卡友的旅行平安保險原則上需在保險期間才有保障，過了今年保單的保險期間後，需洽詢信用卡公司是否仍額外提供卡友此項福利。

Travel insurance provided by credit card coverage generally requires travel within the insurance period. After this year's policy period ends, please check with your credit card company about continued benefits.

本公司採「保險年齡」計算，若投保日當日距離生日大於6個月以上時，需以您實歲多加1歲。

The Company calculates age using the "insurance age" method. If, on the date of application, more than 6 months have passed since your last birthday, you must add 1 year to your actual age.

汽車車體損失險及第三人責任保險之保險費因採用「從人」因素，即依被保險人之年齡、性別區分係數、過去之承保紀錄、賠款紀錄來計算保費，因此如有賠款紀錄者，將依賠款次數增加保費，反之如果無理賠紀錄者，可獲得無肇事減費的優惠。

Auto physical damage and third-party liability insurance premiums are calculated using "human factors," including the insured's age, gender coefficient, insurance history, and claims record. Premium increases with claim frequency, while no-claim records qualify for premium discounts.

要！如果您的職業或職務有所變更，請儘速通知明台並辦理契約變更。因不同職業的危險程度不同，職業變更可能影響保險費及承保條件。

若職業變更後危險程度增加，卻未依約通知明台而發生保險事故，保險金可能依條款約定按比例折算給付；若變更後職業屬於拒保範圍，也可能影響契約效力。因此，職業或職務變更時，請主動通知明台，以確保您的保險權益。

Yes! If your occupation or job duties change, please notify Mingtai as soon as possible and process a policy endorsement. Because different occupations carry different levels of risk, an occupation change may affect your premium and underwriting terms.

If the risk level increases after the change and you fail to notify Mingtai as required, and an insured event occurs, the benefit may be paid on a pro rata basis in accordance with the policy provisions; if the new occupation falls within the declined (uninsurable) category, the validity of the contract may also be affected. Therefore, when your occupation or job duties change, please proactively notify Mingtai to protect your insurance rights.

車子將要賣出，可以選擇以下兩種方式處理：

1. 將保險過戶給新車主。

2. 申請退保。

When selling your car, you have two options:
1. Transfer the insurance to the new owner.
2. Cancel the insurance policy.