工程險
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Q1 投保營建機具保險應注意那些事項？ | What are the key considerations when purchasing Construction Equipment Insurance?
1.具有行照之車輛均屬汽車保險之承保範圍。
2.營建機具如需於風險性較高場所施工，如地面下或水面上，應於投保時告知保險公司。
3.營建機具之保險金額應為重置價值，非折舊後之價格。
4.營建機具於要保時應將資料詳細填寫清楚，包括：名稱、廠牌、製造年份、型式、引擎及製造號碼..等。
5.營建機具如為風險性較高之潛盾機，則需提供實際施工之起迄時間。
1. Vehicles with license plates fall under automobile insurance coverage.
2. If construction equipment needs to operate in high-risk areas like underground or over water, the insurance company must be informed at the time of application.
3. The insurance amount for construction equipment should be based on replacement value, not depreciated value.
4. Detailed information must be provided when applying, including: name, brand, manufacturing year, model, engine and manufacturing numbers, etc.
5. For high-risk equipment like shield machines, actual construction start and end dates must be provided. -
Q2 「拆除清理費用」的定義？一般是否包含在工程保險承保範圍內？ | What is the definition of "Removal and Clearance Expenses"? Is it generally included in the coverage of Construction Insurance?
1. 所謂「拆除清理費用」，是指當承保工程發生保險契約所約定之事故，造成承保標的的毀損或滅失，需要進行修理或置換時，為拆除廢棄毀損之殘餘物或未受損之承保工程所發生之費用。
2.「拆除清理費用」 屬於額外的費用，通常不會包含在工程契約價額中，必需向保險公司另外約定加保。1. "Removal and Clearance Expenses" refers to costs incurred for demolishing and removing damaged debris or undamaged insured works when repairs or replacements are needed following an insured event specified in the insurance contract that causes damage or loss to the insured project.
2. "Removal and Clearance Expenses" is an additional cost typically not included in the contract value and must be separately agreed upon with the insurance company for coverage.
