常見問題

常見問題

  • Q153 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.

  • Q154 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。

     

  • Q155 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

  • Q156 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.

  • Q157 詢問刷全額團費搭郵輪到石垣島旅遊是否在信用卡所提供的旅行平安保險承保範圍？ | Inquire whether the full tour fee paid by credit card for a trip to Ishigaki Island with Cruises is covered under the travel insurance provided by the credit card.

    信用卡提供給卡友的福利是信用卡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.

  • Q158 是否提供機場免費停車？ | Is free airport parking provided?

    請直接洽詢您的發卡銀行或信用卡公司。

     

    Please contact your card issuer or credit card company directly.

  • Q159 傷害保險的「意外傷害事故」定義為何? | What is the definition of "accidental injury" in accident insurance?

    依照保險契約之約定，「意外傷害事故」是指非由疾病所引起之外來突發事故。

     

    According to insurance contract terms, "accidental injury" refers to a sudden external incident not caused by illness.

  • Q160 是否須分開刷各種交通票劵才有承保？或者只須刷單一種則全程保障？ | Do different transportation tickets need to be purchased separately for coverage, or does purchasing one type provide full coverage for the entire trip?

    是，搭乘不同公共交通工具，須分別以承保信用卡支付全額交通費用，始得到該段搭乘之保障。

     

    Yes, when using different public transportation modes, each fare must be paid in full separately with the insured credit card to receive coverage for that segment.