車險

重新購買同一廠牌、型式新車所需支付的價值。

由財團法人保險事業發展中心-汽車重置價格審查小組統一查訂。

The value required to purchase a new vehicle of the same make and model.

This is determined by the Automobile Replacement Price Review Committee of the Taiwan Insurance Institute.

依據強制汽車責任保險法第49條之規定，投保義務人未依強制汽車責任保險法規定訂立強制車險契約，或強制車險期間屆滿前未再行訂立者，其處罰依下列各款規定：

經公路監理機關或警察機關攔檢稽查舉發者，由公路監理機關處以罰鍰。
1.為汽車者，處新臺幣3,000元以上15,000元以下罰鍰
2.為機車者，處新臺幣1,500元以上3,000元以下罰鍰
3.為微型電動二輪車者，處新臺幣750元以上1,500元以下罰鍰
未投保汽車肇事，由公路監理機關處新臺幣9,000元以上32,000元以下罰鍰。

According to Article 49 of the Compulsory Automobile Liability Insurance Act, those who fail to obtain or renew compulsory insurance will be fined as follows when caught by highway authorities or police:

1. Automobiles: NT$3,000 to NT$15,000
2. Motorcycles: NT$1,500 to NT$3,000
3. Micro electric two-wheelers: NT$750 to NT$1,500
For uninsured vehicles involved in accidents, fines range from NT$9,000 to NT$32,000.

強制險不論汽機車駕駛人或被保險人有無過失，保險公司均會負擔賠償責任(因強制險採無過失責任賠償基礎)。

強制險對受害人(包括肇事汽車以外之第三人及車上乘客，但不包括肇事汽車之駕駛人）的賠償範圍如下：

1. 傷害醫療給付：每人最高20萬元。

2. 失能給付：依失能程度分為15等級，每人最高200萬元。

3. 死亡給付：每人定額給付200萬元。

Compulsory insurance covers compensation regardless of driver or insured fault (no-fault liability basis).

Coverage for victims (including third parties and passengers, excluding the at-fault driver) includes:
1. Medical expenses: up to NT$200,000 per person.
2. Disability payment: 15 levels based on disability degree, up to NT$2 million per person.
3. Death benefit: fixed NT$2 million per person.

若是您的機車或汽車強制保險續保已經過期，逾期投保時，僅能以投保當日做為生效日，不可回溯。

If your compulsory auto/motorcycle insurance renewal has expired, the new policy can only be effective from the current date of application, backdating is not allowed.

可以。可在強制險到期90天前就先辦理投保手續。

Yes. You can process the insurance renewal up to 90 days before the compulsory insurance expires.

汽車：保險期間為一年，如汽車領用「臨時牌照」、「試車牌照」或動力機械領用「臨時通行證」者，可以選擇投保一年期或配合該牌照或通行證之有效期間，投保低於一年期之保險。

機車：為一至二年，由車主自行選擇。

Automobiles: Insurance period is one year, except for vehicles with temporary licenses, test plates, or temporary permits for power machinery, which can be insured for less than a year matching the validity period.

Motorcycles: One to two years, as chosen by the owner.

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。

服務據點連結請點我

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.

For processing, please visit your local branch office.
Please click the service location link.

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.