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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。

如需辦理歡迎親洽各地分公司將協助辦理。

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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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失能保險金及傷害醫療保險金受益人為被保險人本人，不接受指定或變更。

身故或喪葬費用保險金之受益人依保險契約之約定，可指定及變更，但以被保險人之家屬或法定繼承人為限。

身故保險金或喪葬費用保險金受益人同時或先於被保險人本人身故，除要保人已另行指定受益人，以被保險人之法定繼承人為受益人。法定繼承人之順序及應得保險金之比例適用民法繼承編相關規定。

The beneficiary for disability and medical treatment benefits is the insured person, with no designation or changes allowed.

Death or funeral expense benefits can be designated and changed according to the insurance contract, limited to family members or legal heirs.

If the beneficiary dies simultaneously with or before the insured, the legal heirs become beneficiaries unless otherwise designated. The order and proportion of legal heirs follow civil law inheritance regulations.

不會的，影響機車強制險保費因素有二：

1. 車輛種類－依輕型機車、重型機車、大型重型機車、電機車之馬力_5P以下同輕型機車/5P以上同重型機車區分保費。

2. 保險期間－依一年至兩年期區分保費。

No. There are two factors affecting motorcycle compulsory insurance premiums:
1. Vehicle type - premiums are categorized by light motorcycles, heavy motorcycles, large heavy motorcycles, and electric motorcycles (power under 5P same as light motorcycle/above 5P same as heavy motorcycle).
2. Insurance period - premiums vary between one-year and two-year terms.

只要經過要保人同意使用該輛汽車之人，發生承保範圍內之意外事故時，保險公司均會負擔理賠責任，但該駕駛人如為故意、從事犯罪行為或受酒精影響等原因而肇事，保險公司會於支付保險理賠金給受害人後，再向駕駛人進行追償。

The insurance company will cover claims for accidents within the scope of coverage when the vehicle is used with the policyholder's consent. However, if the driver causes an accident due to intentional acts, criminal behavior, or under the influence of alcohol, the insurance company will pay the claim to the victim first and then seek reimbursement from the driver.

使用人可以代為投保汽機車強制責任險。但汽機車強制責任險必須以行照上所記載之人為被保險人。

The actual user can purchase compulsory auto/motorcycle liability insurance on behalf of the owner. However, the insured party must be the person registered on the vehicle license.

信用卡提供給卡友的福利是信用卡公共運輸工具期間旅行平安保險，郵輪並不是保單定義的公共運輸工具，因此搭乘郵輪期間發生的意外事故，並不是信用卡提供的信用卡公共運輸工具期間旅行平安保險承保範圍。

Travel insurance provided by credit card covers accidents during public transportation travel. Cruises is not defined as public transportation under the policy, therefore accidents occurring during Cruises travel are not covered unde public transportation travel insurance provided by credit card.

請直接洽詢您的發卡銀行或信用卡公司。

Please contact your card issuer or credit card company directly.

是，搭乘不同公共交通工具，須分別以承保信用卡支付全額交通費用，始得到該段搭乘之保障。

Yes, when using different public transportation modes, each fare must be paid in full separately with the insured credit card to receive coverage for that segment.