| Content： |
Unit: NT$
| Policy Period |
Light Weight Motorcycle |
Heavy Weight Motorcycle |
Small Motorcycle |
Small Light Motorcycle |
| 1 Year |
658 |
711 |
424 |
424 |
| Less than 1Year and 1 Month |
681 |
736 |
437 |
437 |
| Less than 1Year and 2 Months |
726 |
785 |
463 |
463 |
| Less than 1Year and 3 Months |
771 |
835 |
489 |
489 |
| Less than 1Year and 4 Months |
816 |
884 |
515 |
515 |
| Less than 1Year and 5 Months |
861 |
934 |
541 |
541 |
| Less than 1Year and 6 Months |
906 |
983 |
566 |
566 |
| Less than 1Year and 7 Months |
952 |
1,033 |
592 |
592 |
| Less than 1Year and 8 Months |
997 |
1,083 |
618 |
618 |
| Less than 1Year and 9 Months |
1,042 |
1,132 |
644 |
644 |
| Less than 1Year and 10 Months |
1,087 |
1,182 |
670 |
670 |
| Less than 1Year and 11 Months |
1,132 |
1,231 |
696 |
696 |
| Less than 1Year and 12 Months |
1,178 |
1,281 |
722 |
722 |
| 2 Years |
1,200 |
1,306 |
735 |
735 |
Notes:
1. When an insured or an insurer terminates this insurance contract, the insurer should refund the unearned premium calculated as following:
(1) if the unexpired policy period is less than one year, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should refund the remaining premium calculated based on the ratio of the
remained days to policy period.
(2) if the unexpired policy period is greater than or equal to one year, the insurer should refund all the second year unearned premium, meanwhile, should refund the first year unearned premium based on the calculation formula mentioned in paragraph (1).
2. For the purpose of establishing a reference for calculation of future renewal premium, upon the time when a motorcycle owner buys this insurance, an insurer will begin collecting the insured's personal factor material information such as the insured's age,
gender, and accidents that were due to the insured's traffic violation.
3. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance are NT$181.00 for the one-year motorcycle insurance policy and NT$253.35 for the two-year motorcycle insurance policy, including: (1) The insurer’s business
expenses, which are NT$177.47 for the one-year motorcycle insurance policy and NT$249.10 for the two-year motorcycle insurance policy, and which are subject to the following provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor
of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website, or by public tender, the insurer shall give a premium discount of at least NT$60 for
purchase of a one-year term policy, or shall give a premium discount of at least NT$80 for purchase of a two-year term policy, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been
approved to handle online sale of insurance shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to
the proposer. (2) The expenses needed to ensure the soundness of this insurance, which are NT$3.53 for the one-year motorcycle insurance policy and NT$4.25 for the two-year motorcycle insurance policy.
4. For an insurance policy period over one-year but less than two-year, the business expenses and the expenses needed to ensure the soundness for the second-year period are calculated on a pro rata basis of the elapsed months over the entire months of insurance
period.
5. Both the contribution to the Compensation Fund (2%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
6. The premium calculation of a motorcycle with a temporary license plate or a test drive license plate having a policy term less than one year should be based on the following: (1) the insurer’s business expenses and the expenses necessary to ensure the soundness
of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
Compulsory Automobile Liability Insurance Premium Table (Motor Vehicles 1)
Unit: NT$
| Record of violating traffic rules and accidents |
Vehicle Type |
Com-
mercial
Sedan |
Light Truck (Legal Entity) |
Dual Use Bus/Freight Truck (Legal Entity) |
Heavy Truck |
Special Vehicle |
Tow Vehicle |
| Level |
Adjust-
ment Factor |
Weight 3.5~9.0 tons |
Weight 9.1~15.0 tons |
Weight above 15.1 tons |
Large-sized vehicle |
Small-sized vehicle |
General vehicle |
Contain-
er truck |
| 1 |
-30% |
2,132 |
1,681 |
1,398 |
2,518 |
4,109 |
6,112 |
2,828 |
2,080 |
11,795 |
10,397 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 2 |
-26% |
2,230 |
1,754 |
1,455 |
2,639 |
4,321 |
6,439 |
2,967 |
2,176 |
12,446 |
10,968 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 3 |
-18% |
2,428 |
1,901 |
1,569 |
2,881 |
4,744 |
7,092 |
3,244 |
2,368 |
13,749 |
12,110 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 4 |
0% |
2,873 |
2,230 |
1,826 |
3,426 |
5,698 |
8,560 |
3,868 |
2,799 |
16,679 |
14,681 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 5 |
10% |
3,121 |
2,413 |
1,968 |
3,728 |
6,228 |
9,376 |
4,215 |
3,039 |
18,306 |
16,109 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 6 |
20% |
3,368 |
2,596 |
2,111 |
4,031 |
6,757 |
10,192 |
4,562 |
3,279 |
19,934 |
17,537 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 7 |
30% |
3,615 |
2,779 |
2,253 |
4,333 |
7,287 |
11,008 |
4,908 |
3,519 |
21,562 |
18,965 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 8 |
40% |
3,862 |
2,961 |
2,396 |
4,636 |
7,817 |
11,824 |
5,255 |
3,759 |
23,190 |
20,393 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 9 |
50% |
4,110 |
3,144 |
2,538 |
4,938 |
8,346 |
12,640 |
5,602 |
3,999 |
24,818 |
21,821 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 10 |
60% |
4,357 |
3,327 |
2,681 |
5,241 |
8,876 |
13,456 |
5,949 |
4,239 |
26,445 |
23,249 |
Notes:
1. The premium list in this table is for a one-year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should
refund the remaining premium calculated based on the ratio of the remained days to the policy period.
2. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance for all the vehicles in this table are NT$387.80, including: (1) the insurer’s business expenses, which are NT$381.94, and which are subject to the following
provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website,
or by public tender, the insurer shall give a premium discount of at least NT$73, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been approved to handle online sale of insurance
shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to the proposer. (2) The expenses needed to ensure
the soundness of this insurance, which are NT$5.86.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
4. Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity) in the table; Premium of private sedans for corporate
owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of private
sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured
without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for
current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation
record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should
be included in the adjustment of the premium Level.
Three months prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new traffic violations on the insured's record will be taken into account for renewal premium calculation for the following year.
6. The premium calculation of an automobile with a temporary license plate or a test drive license plate or motorized machinery with a temporary pass having a policy term less than one year should be based on the following: (1) the insurer’s business expenses
and any expense necessary to ensure the soundness of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
7. The premiums listed in this Table do not include the drunk driving surcharge. For the specifics of the drunk driving surcharge, please see the Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table.
Compulsory Automobile Liability Insurance Premium Table (Motor Vehicles 2)
Unit: NT$
| Record of violating traffic rules and accidents |
Type of Vehicles |
| Military Vehicles |
Mobile Machinery |
Private Bus |
Commercial Bus |
| Level |
Adjust-ment Factor |
Administra-tive Vehicle |
Combat Vehicle |
Seats: 10~20 |
Seats: 21~30 |
Seats: Above 31 |
Seats: 10~20 |
Seats: 21~30 |
Seats: Above 31 |
| 1 |
-30% |
1,489 |
826 |
1,918 |
5,796 |
6,051 |
5,543 |
9,178 |
8,168 |
7,812 |
| |
|
|
|
|
|
|
|
|
|
|
| 2 |
-26% |
1,551 |
850 |
2,004 |
6,105 |
6,374 |
5,837 |
9,679 |
8,612 |
8,236 |
| |
|
|
|
|
|
|
|
|
|
|
| 3 |
-18% |
1,675 |
898 |
2,178 |
6,721 |
7,020 |
6,425 |
10,683 |
9,499 |
9,083 |
| |
|
|
|
|
|
|
|
|
|
|
| 4 |
0% |
1,955 |
1,008 |
2,568 |
8,109 |
8,473 |
7,747 |
12,940 |
11,497 |
10,989 |
| |
|
|
|
|
|
|
|
|
|
|
| 5 |
10% |
2,110 |
1,068 |
2,784 |
8,879 |
9,280 |
8,482 |
14,193 |
12,606 |
12,048 |
| |
|
|
|
|
|
|
|
|
|
|
| 6 |
20% |
2,266 |
1,129 |
3,001 |
9,650 |
10,087 |
9,216 |
15,447 |
13,716 |
13,107 |
| |
|
|
|
|
|
|
|
|
|
|
| 7 |
30% |
2,421 |
1,190 |
3,218 |
10,421 |
10,895 |
9,951 |
16,701 |
14,825 |
14,165 |
| |
|
|
|
|
|
|
|
|
|
|
| 8 |
40% |
2,577 |
1,251 |
3,434 |
11,192 |
11,702 |
10,686 |
17,955 |
15,935 |
15,224 |
| |
|
|
|
|
|
|
|
|
|
|
| 9 |
50% |
2,732 |
1,311 |
3,651 |
11,963 |
12,509 |
11,420 |
19,209 |
17,045 |
16,283 |
| |
|
|
|
|
|
|
|
|
|
|
| 10 |
60% |
2,887 |
1,372 |
3,868 |
12,733 |
13,316 |
12,155 |
20,463 |
18,154 |
17,342 |
Notes:
1. The premium list in this table is for a one-year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should
refund the remaining premium calculated based on the ratio of the remained days to policy period.
2. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance for all the vehicles in this table are NT$387.80, including: (1) the insurer’s business expenses, which are NT$381.94, and which are subject to the following
provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website,
or by public tender, the insurer shall give a premium discount of at least NT$73, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been approved to handle online sale of insurance
shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to the proposer. (2) The expenses needed to ensure
the soundness of this insurance, which are NT$5.86.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
4. Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity) in the table; Premium of private sedans for corporate
owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of private
sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured
without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for
current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation
record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should
be included in the adjustment of the premium Level.
Three months prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new traffic violations on the insured's record will be taken into account for renewal premium calculation for the following year.
6. The premium calculation of an automobile with a temporary license plate or a test drive license plate or motorized machinery with a temporary pass having a policy term less than one year should be based on the following: (1) the insurer’s business expenses
and any expense necessary to ensure the soundness of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
7. The premiums listed in this Table do not include the drunk driving surcharge. For the specifics of the drunk driving surcharge, please see the Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table.
Compulsory Automobile Liability Insurance Premium Table (Motor Vehicles 3)
Unit: NT$
| Record of violating traffic rules and accidents |
Type of Vehicles |
| Private Sedan |
| Level |
Adjust-
ment Factor |
Age under 20 |
Age 21~25 |
Age 26~30 |
Age 31~60 |
Age above 60 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 1 |
-30% |
2,594 |
1,757 |
2,395 |
1,627 |
1,567 |
1,158 |
1,099 |
1,019 |
1,148 |
889 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 2 |
-26% |
2,634 |
1,796 |
2,435 |
1,667 |
1,607 |
1,198 |
1,138 |
1,059 |
1,188 |
929 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 3 |
-18% |
2,714 |
1,876 |
2,514 |
1,747 |
1,687 |
1,278 |
1,218 |
1,138 |
1,268 |
1,009 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 4 |
0% |
2,893 |
2,056 |
2,694 |
1,926 |
1,866 |
1,457 |
1,398 |
1,318 |
1,448 |
1,188 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 5 |
10% |
2,993 |
2,155 |
2,794 |
2,026 |
1,966 |
1,557 |
1,497 |
1,418 |
1,547 |
1,288 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 6 |
20% |
3,093 |
2,255 |
2,893 |
2,126 |
2,066 |
1,657 |
1,597 |
1,517 |
1,647 |
1,388 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 7 |
30% |
3,192 |
2,355 |
2,993 |
2,225 |
2,165 |
1,757 |
1,697 |
1,617 |
1,747 |
1,487 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 8 |
40% |
3,292 |
2,455 |
3,093 |
2,325 |
2,265 |
1,856 |
1,796 |
1,717 |
1,846 |
1,587 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 9 |
50% |
3,392 |
2,554 |
3,192 |
2,425 |
2,365 |
1,956 |
1,896 |
1,816 |
1,946 |
1,687 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 10 |
60% |
3,491 |
2,654 |
3,292 |
2,524 |
2,465 |
2,056 |
1,996 |
1,916 |
2,046 |
1,787 |
Notes:
1. The premium list in this table is for a one-year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should
refund the remaining premium calculated based on the ratio of the remained days to policy period.
2. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance for all the vehicles in this table are NT$387.80, including: (1) the insurer’s business expenses, which are NT$381.94, and which are subject to the following
provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website,
or by public tender, the insurer shall give a premium discount of at least NT$73, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been approved to handle online sale of insurance
shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to the proposer. (2) The expenses needed to ensure
the soundness of this insurance, which are NT$5.86.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
4. Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity) in the table; Premium of private sedans for corporate
owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of private
sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured
without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for
current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation
record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should
be included in the adjustment of the premium Level.
Three months prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new traffic violations on the insured's record will be taken into account for renewal premium calculation for the following year.
6. The premium calculation of an automobile with a temporary license plate or a test drive license plate or motorized machinery with a temporary pass having a policy term less than one year should be based on the following: (1) the insurer’s business expenses
and any expense necessary to ensure the soundness of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
7. The premiums listed in this Table do not include the drunk driving surcharge. For the specifics of the drunk driving surcharge, please see the Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table.
Compulsory Automobile Liability Insurance Premium Table (Motor Vehicles 4)
Unit: NT$
| Record of violating traffic rules and accidents |
Type of Vehicles |
| Private Light Truck (Natural Person) |
| Level |
Adjust-
ment Factor |
Age under 20 |
Age 21~25 |
Age 26~30 |
Age 31~60 |
Age under 60 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 1 |
-30% |
3,498 |
2,315 |
3,216 |
2,132 |
2,048 |
1,471 |
1,386 |
1,273 |
1,456 |
1,090 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 2 |
-26% |
3,554 |
2,371 |
3,272 |
2,188 |
2,104 |
1,527 |
1,442 |
1,330 |
1,513 |
1,147 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 3 |
-18% |
3,667 |
2,484 |
3,385 |
2,301 |
2,217 |
1,639 |
1,555 |
1,442 |
1,625 |
1,259 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 4 |
0% |
3,920 |
2,737 |
3,638 |
2,554 |
2,470 |
1,893 |
1,808 |
1,696 |
1,879 |
1,513 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 5 |
10% |
4,061 |
2,878 |
3,779 |
2,695 |
2,611 |
2,034 |
1,949 |
1,837 |
2,020 |
1,654 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 6 |
20% |
4,202 |
3,019 |
3,920 |
2,836 |
2,752 |
2,174 |
2,090 |
1,977 |
2,160 |
1,794 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 7 |
30% |
4,342 |
3,160 |
4,061 |
2,977 |
2,892 |
2,315 |
2,231 |
2,118 |
2,301 |
1,935 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 8 |
40% |
4,483 |
3,301 |
4,202 |
3,118 |
3,033 |
2,456 |
2,371 |
2,259 |
2,442 |
2,076 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 9 |
50% |
4,624 |
3,441 |
4,342 |
3,258 |
3,174 |
2,597 |
2,512 |
2,400 |
2,583 |
2,217 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 10 |
60% |
4,765 |
3,582 |
4,483 |
3,399 |
3,315 |
2,737 |
2,653 |
2,540 |
2,723 |
2,357 |
Notes:
1. The premium list in this table is for a one-year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should
refund the remaining premium calculated based on the ratio of the remained days to policy period.
2. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance for all the vehicles in this table are NT$387.80, including: (1) the insurer’s business expenses, which are NT$381.94, and which are subject to the following
provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website,
or by public tender, the insurer shall give a premium discount of at least NT$73, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been approved to handle online sale of insurance
shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to the proposer. (2) The expenses needed to ensure
the soundness of this insurance, which are NT$5.86.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
4. Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity) in the table; Premium of private sedans for corporate
owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of private
sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured
without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for
current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation
record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should
be included in the adjustment of the premium Level.
Three months prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new traffic violations on the insured's record will be taken into account for renewal premium calculation for the following year.
6. The premium calculation of an automobile with a temporary license plate or a test drive license plate or motorized machinery with a temporary pass having a policy term less than one year should be based on the following: (1) the insurer’s business expenses
and the expenses necessary to ensure the soundness of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
7. The premiums listed in this Table do not include the drunk driving surcharge. For the specifics of the drunk driving surcharge, please see the Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table.
Compulsory Automobile Liability Insurance Premium Table (Motor Vehicles 5)
Unit: NT$
| Record of violating traffic rules and accidents |
Type of Vehicles |
| Dual Use Bus/Freight Truck (Natural Person) |
| Level |
Adjust-
ment Factor |
Age under 20 |
Age 21~25 |
Age 26~30 |
Age 31~60 |
Age above 60 |
| Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female |
| 1 |
-30% |
2,890 |
1,940 |
2,664 |
1,793 |
1,725 |
1,261 |
1,193 |
1,102 |
1,249 |
955 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 2 |
-26% |
2,936 |
1,985 |
2,709 |
1,838 |
1,770 |
1,306 |
1,238 |
1,148 |
1,295 |
1,000 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 3 |
-18% |
3,026 |
2,076 |
2,800 |
1,928 |
1,861 |
1,397 |
1,329 |
1,238 |
1,385 |
1,091 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 4 |
0% |
3,230 |
2,279 |
3,004 |
2,132 |
2,064 |
1,600 |
1,532 |
1,442 |
1,589 |
1,295 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 5 |
10% |
3,343 |
2,392 |
3,117 |
2,245 |
2,177 |
1,713 |
1,646 |
1,555 |
1,702 |
1,408 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 6 |
20% |
3,456 |
2,506 |
3,230 |
2,358 |
2,291 |
1,827 |
1,759 |
1,668 |
1,815 |
1,521 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 7 |
30% |
3,569 |
2,619 |
3,343 |
2,472 |
2,404 |
1,940 |
1,872 |
1,781 |
1,928 |
1,634 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 8 |
40% |
3,683 |
2,732 |
3,456 |
2,585 |
2,517 |
2,053 |
1,985 |
1,894 |
2,042 |
1,747 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 9 |
50% |
3,796 |
2,845 |
3,569 |
2,698 |
2,630 |
2,166 |
2,098 |
2,008 |
2,155 |
1,861 |
| |
|
|
|
|
|
|
|
|
|
|
|
| 10 |
60% |
3,909 |
2,958 |
3,683 |
2,811 |
2,743 |
2,279 |
2,211 |
2,121 |
2,268 |
1,974 |
Notes:
1. The premium list in this table is for a one-year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expenses and the expenses needed to ensure the soundness of this insurance, the insurer should
refund the remaining premium calculated based on the ratio of the remained days to policy period.
2. The insurer’s business expenses and the expenses needed to ensure the soundness of this insurance for all the vehicles in this table are NT$387.80, including: (1) the insurer’s business expenses, which are NT$381.94, and which are subject to the following
provisions: (i) if the proposer or appointee thereof (who shall not be a solicitor of the insurance company) purchases the insurance in person at a place of business of the insurance company (including its branch units), on the insurance company's website,
or by public tender, the insurer shall give a premium discount of at least NT$73, provided that the premium discount may not exceed the insurer's business expenses; (ii) an insurance broker or agent who has been approved to handle online sale of insurance
shall give a premium discount, within the range of the handling fee, to reflect the cost saved by the online sale of the insurance, but the discount shall not be greater than the discount given by the insurer to the proposer. (2) The expenses needed to ensure
the soundness of this insurance, which are NT$5.86.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) should be calculated based on the premium in the table mentioned above.
4. Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity) in the table; Premium of private sedans for corporate
owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of private
sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured
without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for
current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation
record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should
be included in the adjustment of the premium Level.
Three months prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new traffic violations on the insured's record will be taken into account for renewal premium calculation for the following year.
6. The premium calculation of an automobile with a temporary license plate or a test drive license plate or motorized machinery with a temporary pass having a policy term less than one year should be based on the following: (1) the insurer’s business expenses
and the expenses necessary to ensure the soundness of this insurance shall be charged the same as those of a one-year policy; and (2) the rest items of the premium structure shall be charged on pro-rata basis（the ratio of the policy period in days to 365 days）.
7. The premiums listed in this Table do not include the drunk driving surcharge. For the specifics of the drunk driving surcharge, please see the Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table.
Compulsory Automobile Liability Insurance Drunk Driving Surcharge Table
Unit: NT$
| Number of drunk driving violations on record in the preceding year |
Motor Vehicles |
| 1 |
2,100 |
| |
|
| 2 |
4,200 |
| |
|
| 3 |
6,300 |
| |
|
| 4 |
8,400 |
| |
|
| 5 |
10,500 |
| |
|
| More than 5 |
Number of drunk driving violations on record in the preceding year multiplied by 2,100, with no ceiling. |
Notes:
1. The drunk driving surcharge listed in this table applies only to motor vehicles.
2. The surcharge in this table applies to the owner of the vehicle driven by the offender of drunk driving laws at the time of the violation.
3. If an insured has any record of drunk driving violations in the preceding year, the insurer shall add the applicable surcharge listed in this table according to the number of violations to the Compulsory Automobile Liability Insurance premium. Three months
prior to the expiration of the policy, the insurer shall calculate the renewal premium. During that period, any new drunk driving violations on the insured's record will be taken into account for renewal premium calculation for the following year. The record
of drunk driving violations shall be determined based on the information provided by the transportation supervisory authority.
4. The drunk driving surcharge in this table is inclusive of the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%).
5. The drunk driving surcharge in this table is for the premium for a one-year policy. When an insured or an insurer duly terminates the insurance contract, the insurer should refund the remaining premium calculated taking the number of days remaining in the
policy period divided by the number of total days of the policy. |