常見問題
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Q145 機車強制險保費： 會因為「性別、年齡、廠牌、車齡」而有差異嗎？ 無肇事理賠記錄的機車，強制險保費會比較便宜嗎？ | Does motorcycle compulsory insurance premium vary based on gender, age, brand, or vehicle age? Will motorcycles with no accident claims history get cheaper compulsory insurance premiums?
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. -
Q146 申請eco保單須額外支付費用嗎？ | Are there additional fees for applying for eco policies?
保戶申請「eco保單」完全免費，不須額外支付費用，只要於投保當時選擇寄送電子保單即可。
Applying for eco policies is completely free. No additional fees required. Simply select electronic policy delivery when purchasing insurance.
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Q147 所謂的寵物的疾病範圍有哪些?所有疾病都可以申請理賠嗎 | What illnesses are covered for pets? Are all illnesses eligible for claims?
請參考保單條款規範，除外項目不在理賠範圍內。
Please refer to policy terms and conditions; excluded items are not covered.
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Q148 會員如何註冊? | How to register as a member?
方法一：
直接選擇需要投保的險種資料填寫，投保完成後即成為會員（立刻投保連結請點我）。
方法二：
1.點選線上投保會員中心登入(會員註冊連結: 連結請點我 ) 。
2.會員註冊頁面依序填入資料完成驗證即可。
Method 1:
Directly select and fill in the insurance policy information, become a member after completion (click here to insure now).Method 2:
1. Click on online insurance member center login (member registration link: click here).
2. Fill in information sequentially on the member registration page and complete verification. -
Q149 若已投保了汽(機)車強制險，但車子借給朋友使用，朋友不小心開車撞傷路人，保險公司是否負擔理賠責任？ | If I have compulsory auto/motorcycle insurance and lend my vehicle to a friend who accidentally injures a pedestrian, will the insurance company cover the claim?
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.
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Q150 詢問信用卡保險之旅行不便險行李延誤部分，金額是每日給付上限或是其他支付方式？
信用卡保險之行李延誤是以每次事故為基準，客戶發生行李延誤，確認超過六小時且未超過24小時以內之必要支出，在保險限額以內以相關支出單據為賠付依據。
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Q151 車輛停放中遭受不明事故受損時應如何處理? | What should I do if my parked vehicle is damaged by an unknown incident?
如果投保甲式的車體損失險，並發現車輛於停放處所發生不明受損狀況時，請依下列方式辦理：
1. 保留現場。
2. 向警方報案。
3. 通報保險公司。
4. 拍攝現場照片。
5. 於事故發生5日內，向保險公司提出理賠申請。
If you have comprehensive vehicle damage insurance (Type A) and discover unknown damage to your parked vehicle, please follow these steps:
1. Preserve the scene
2. File a police report
3. Notify the insurance company
4. Take photos of the scene
5. Submit an insurance claim within 5 days of the incident -
Q152 如汽機車登記之車主與實際使用者不同人時，應該如何投保？ | How should insurance be arranged when the registered vehicle owner differs from the actual user?
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.
