Compulsory scooter insurance: injury protection is not cover for every loss
Before handover, you confidently say, “It has compulsory insurance.” Your friend asks what happens if someone is hurt, the scooter needs repairs, or a phone breaks. Half the confidence disappears. You imagined insurance as one large umbrella; the paperwork lists several separate things. There is no need to feel awkward. “Insured” starts the conversation rather than finishing it. Let’s see where that umbrella actually reaches.
In this guide
Separate people from property
Make two columns: injured people and damaged things. Compulsory insurance mainly provides basic bodily injury benefits to accident victims, including medical expenses, disability and death; scooter or phone damage is not included. Do not assume your own single-vehicle fall qualifies. The compulsory-insurance and special compensation fund links below explain this distinction.
Your friend shares a relative’s claim experience. “That is useful. May I see the policy too?” You are not dismissing the story; the incident, people and policy may differ. You worried your questions were too basic. Now saying exactly what you do not understand seems more useful than nodding at every item.
New limits are not promised payments
Reading the new benefit amounts, you nearly save only a screenshot of the biggest number. The FSC announced that from 1 July 2026, death and first-degree disability benefits each rise to NT$3 million, with combined relevant benefits up to NT$3.2 million per person per accident. These are standards and limits, not equal payments for every incident.
You add “item, conditions, limit” beside the screenshot. Your friend notices that the notes finally contain more than highlighting. “The highlighter is busy, but it cannot understand this for me.” An actual claim still follows the rules and individual assessment. Understanding conditions helps identify your needs better than remembering one large number.
Collect answers before collecting the scooter
You sometimes carry a friend, so ask about passengers too. Before handover, check the plate, validity dates, permitted use, coverage and incident contact, plus exclusions and deductibles for other policies. Individual cover needs the insurer’s written confirmation. The electronic insurance-certificate link below helps check validity; a valid certificate does not mean every loss is covered.
Save everything in one folder. Your friend calls you thorough; you would rather do this than search a hundred messages for one screenshot later. You have not taken the scooter yet, but three questions are clear: Who is covered? For what? Whom do I contact? Next time you say “I have insurance”, you want to carry a little more understanding, not merely another sheet of paper.
Arrange the next step
Check items to organise your next step. These notes do not update an application or service record.
Read reminder
Match the insurance certificate to the vehicle.
Read reminder
Separate injury, property and your own accident protection.
Read reminder
Save the policy and check reporting and claim procedures.
Questions you may have
Does compulsory insurance pay for repairs?
It excludes property loss. Check other cover and responsibility separately.
Am I always covered if I fall alone?
Do not assume so; check the accident and policy conditions.
Does every claim receive NT$3 million now?
No. Benefit type, severity and limits have separate conditions.
Can renters skip checking insurance?
No. Confirm policy dates, the vehicle and its use.
Is an advisor’s verbal assurance enough?
Check the policy. Individual underwriting requires written insurer confirmation.
Four-language summary
繁體中文
機車強制險提供事故受害人的基本人身保障，不等於車損全賠，也不能推定自己的單一車輛事故一定受保障。
Tiếng Việt
Bảo hiểm bắt buộc xe máy cung cấp bảo vệ cơ bản về con người cho nạn nhân tai nạn; không bao gồm mọi thiệt hại xe hoặc mặc nhiên bảo vệ bạn trong tai nạn chỉ có xe của mình.
Bahasa Indonesia
Asuransi wajib motor memberi perlindungan dasar cedera tubuh bagi korban kecelakaan. Ini bukan pertanggungan semua kerusakan kendaraan atau otomatis melindungi kecelakaan tunggalmu sendiri.
Official sources
Official sources checked: 7 September 2026. The update date is not a law’s effective date.
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