常見問題

為保留將來之代位求償權利，無論是否取得事故證明，當發現貨物發生損失時，請立即以書面將損失狀況通知船公司、航空公司或有責任之第三人，以保留追訴之權利。

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.

信用卡提供給卡友的福利是搭乘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.

高價值電子產品，於投保I.C.C.(A)或All Risks全險保單時，保險公司對該貨物於運送途中因竊盜所致之損失進行理賠。

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.

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.

1. 如果車輛失竊後，已向保險公司申請理賠並領得理賠款時，欲領回車輛，請與保險公司聯繫繳回已領取之保險理賠款，並辦理後續手續。

2. 車輛尋獲後如有損壞，保險公司會將車輛修護回復原狀，但車主需依竊盜險承保內容之約定，負擔自負額。

3. 如不領回車輛或車輛已無修復價值，則車輛將由保險公司逕行處理或出售。

1. If you have already received the insurance claim payment and wish to retrieve your vehicle after it's found, please contact the insurance company to return the compensation and complete the necessary procedures.
2. If the recovered vehicle is damaged, the insurance company will restore it to its original condition, but the owner must pay the deductible as stipulated in the theft insurance coverage.
3. If you choose not to retrieve the vehicle or if it has no restoration value, the insurance company will handle or sell the vehicle directly.