常見問題

可附加承保乘客險，但不可附加第三人責任附加駕駛人傷害險。

Passenger insurance can be added, but third party liability additional driver injury insurance cannot be added.

若被保險人所使用之機票，如係航空公司提供之優惠票，請被保險人務必確認所持優惠票?實際刷卡金額需高於票面價額百分之三十，才可獲得保障。

For discounted airline tickets, the insured must ensure that the actual credit card payment amount is more than 30% of the ticket face value to receive coverage.

有關借用汽機車肇事，保險公司是否理賠，需視保險契約內容而定。

一. 在強制險部分，只要是經過被保險人同意而使用該汽機車之人，發生保險事故時均能獲得理賠，但如駕駛人因故意、犯罪或受酒精藥物影響等原因而肇事，保險公司得於給付請求權人理賠金額後，再向駕駛人追償。

二. 在汽車車體損失險的部分，則需視保險契約內所約定的被保險人範圍而定，一般車體損失險的被保險人通常包括以下：

1. 列名被保險險(個人或公司團體)。

2. 列名被保險人之配偶、其同居家屬、四等血親及三等姻親。

3. 列名被保險人所雇用駕駛人及所屬之業務使用人。

三. 在汽機車第三人責任險方面，同樣需視保險契約內容而定，一般汽機車第三人責任保險之被保險人通常包括以下：

1. 列名被保險人及其同居家屬

2. 列名被保險人所雇用之駕駛人及其所屬之業務使用人。

3. 經列名被保險人許可使用或管理被保險汽車之人。

因此，事故發生時駕駛或騎乘被保險汽機車之人，若不是原被保險人，則需根據其投保之險種，如符合汽機車保險約定之被保險人定義，則保險公司會依保險契約賠付，事後亦不會再向駕駛或騎乘被保險汽車之人行使求償權利。

Regarding accidents involving borrowed vehicles, coverage depends on the insurance contract terms:
I. For compulsory insurance, anyone using the vehicle with the insured's permission is covered, but if the driver causes an accident due to intentional acts, crimes, or under the influence of alcohol/drugs, the insurance company can seek reimbursement from the driver after compensating the victim.
II. For vehicle damage insurance, coverage depends on the defined scope of insured persons, typically including:
1. Named insured (individual or company)
2. Named insured's spouse, cohabitating family members, relatives within four degrees of blood relation and three degrees of marriage
3. Employed drivers and business users.
III. For third-party liability insurance, coverage typically includes:
1. Named insured and cohabitating family members
2. Employed drivers and business users
3. Persons authorized to use or manage the insured vehicle.
Therefore, if the driver is not the original insured, coverage depends on the insurance type and if they meet the definition of an insured person, the company will pay according to the contract without seeking reimbursement.

1.被保險車輛需道路救援服務，可即時透過本公司0800-078-888服務專線進行申告。

2.被保險車輛於高速公路需道路救援服務，請先通知本公司0800-078-888服務專線由客服人員協助，若基於安全考量或情況緊急而由其他合法拖吊業者拖離現場，費用由保戶先行支付者，保戶可於發生之日起三十日內，可依「高速公路拖救契約三聯單」及「指定抬頭之三聯式發票」，透過本公司委外救援服務業者辦理退費，退還贈送範圍內免費道路救援服務項目之費用，但不包含其他特殊作業所衍生之費用。

*有關免費服務內容項目細節，請詳閱本公司官網說明。

1. For roadside assistance service, contact our service hotline at 0800-078-888.
2. For highway roadside assistance, first notify our service hotline at 0800-078-888 for customer service assistance. If the vehicle is towed by other legal operators due to safety concerns or emergencies, policyholders who paid the fee can apply for a refund within 30 days using the highway towing contract triplicate form and designated triplicate invoice through our outsourced rescue service provider. The refund covers free roadside assistance service items within the gift range but excludes costs from special operations.
*For details about free service items, please refer to our company website.

全額以承保信用卡支付飛機票費用，即享有搭乘公眾運輸工具時發生意外造成身故的保障，以及班機延誤、行李遺失、行李延誤等旅行不便險保障。

When paying the full airfare with an insured credit card, you receive accidental death coverage while using public transportation, plus travel inconvenience insurance including flight delay, baggage loss, and baggage delay coverage.

一、無須於續保通知書上簽名，待營業人員提供續保年度要保書後，於要保人簽章處簽名。

二、可郵寄或至各分公司臨櫃辦理。

1. No signature needed on the renewal notice. Sign the renewal application form when provided by the sales representative.
2. Submit by mail or at branch offices.

1.20公里平面免費拖吊(以兩輪著地拖行)。

2.免費急修服務：更換備胎(備胎自備)、接電、送水、送油(油資自付)。

*有關免費服務內容及客戶自費服務項目細節，請詳閱本公司官網說明。

1. Free 20km surface towing (two-wheel ground towing).
2. Free emergency repair services: spare tire replacement (spare tire self-provided), jump start, water delivery, fuel delivery (fuel cost self-paid).
*For details about free service content and customer-paid service items, please refer to our company website.

要/被保險人填寫完整的要保書後，連同資格認定文件送交保險公司辦理即可。

The policyholder/insured person needs to complete the insurance application form and submit it to the insurance company along with qualification verification documents.