1
The table of premium of Compulsory Automobile Liability Insurance, 2009 (Automobile 1)
Unit:NT$
Level Adjust-
ment Factor
Type of Vehicles
Commerci- al Sedan
Light Truck (Legal Entity)
Dual Use Bus/ Freight Truck (Legal Entity)
Heavy Truck Special Vehicle Tow Vehicle
Weight 3.9~9.0
tons
Weight 9.1~15.0
tons
Weight above 15.1 tons
Large- sized vehicle
Small- sized vehicle
General vehicle
Container truck
01 -30% 2,317 1,796 1,753 3,010 4,865 7,529 3,189 2,464 16,266 12,916
02 -26% 2,428 1,877 1,832 3,160 5,121 7,938 3,350 2,583 17,174 13,633
03 -18% 2,650 2,040 1,990 3,462 5,635 8,756 3,672 2,822 18,990 15,066
04 0% 3,150 2,406 2,344 4,140 6,790 10,596 4,396 3,360 23,077 18,292
05 10% 3,427 2,609 2,542 4,516 7,431 11,618 4,798 3,658 25,347 20,084
06 20% 3,705 2,812 2,739 4,893 8,073 12,640 5,200 3,957 27,617 21,876
07 30% 3,983 3,015 2,936 5,270 8,715 13,662 5,602 4,256 29,888 23,667
08 40% 4,260 3,219 3,133 5,646 9,356 14,685 6,005 4,554 32,158 25,459
09 50% 4,538 3,422 3,330 6,023 9,998 15,707 6,407 4,853 34,428 27,251
10 60% 4,816 3,625 3,527 6,399 10,640 16,729 6,809 5,152 36,699 29,043 Illustration:
1. The premium list in this table is for one year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expense and any 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 (by the day).
2. The business expense and any expenses needed to ensure the soundness of this insurance for all the vehicles in this table is NT$358.18, it includes:
(1) Business expense of insurer: NT$352.12, reducible with reference to its management efficiency, (2) any expenses needed to ensure the soundness of this insurance: NT$6.06.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) shall be calculated based on the premium shown in the table 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 r 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.
Level Adjust-
ment Factor
Type of Vehicles
Military Vehicle
Mobile Machinery
Private Bus Commercial Bus
Adminis- trative Vehicle
Combat Vehicle
Seats: 10~20
Seats: 21~30
Seats: Above 31
Seats: 10~20
Seats: 21~30
Seats: Above 31
01 -30% 1,598 822 1,634 6,033 6,376 6,348 9,883 10,043 9,187 02 -26% 1,668 847 1,706 6,356 6,719 6,690 10,426 10,596 9,690 03 -18% 1,808 899 1,850 7,003 7,405 7,373 11,513 11,701 10,698
04 0% 2,123 1,014 2,174 8,458 8,948 8,909 13,958 14,188 12,964 05 10% 2,297 1,078 2,354 9,267 9,806 9,763 15,317 15,569 14,223 06 20% 2,472 1,142 2,534 10,075 10,663 10,616 16,675 16,951 15,482 07 30% 2,647 1,206 2,714 10,884 11,521 11,470 18,034 18,332 16,741 08 40% 2,822 1,270 2,894 11,692 12,378 12,324 19,392 19,714 18,000
09 50% 2,997 1,334 3,074 12,501 13,236 13,177 20,751 21,095 19,259
10 60% 3,172 1,398 3,254 13,309 14,093 14,031 22,109 22,477 20,518 Illustration:
1. The premium list in this table is for one year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expense and any 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 (by the day).
2. The business expense and any expenses needed to ensure the soundness of this insurance for all the vehicles in this table is NT$358.18, it includes:
(1) Business expense of insurer: NT$352.12, reducible with reference to its management efficiency, (2) any expenses needed to ensure the soundness of this insurance: NT$6.06.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) shall be calculated based on the premium shown in the table 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 r 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.
3
Level Adjust-
ment Factor
Type of Vehicles Private Sedan
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
01 -30% 3,286 2,174 3,021 2,002 1,922 1,380 1,300 1,194 1,366 1,022
02 -26% 3,339 2,227 3,074 2,055 1,975 1,432 1,353 1,247 1,419 1,075
03 -18% 3,445 2,333 3,180 2,161 2,081 1,538 1,459 1,353 1,525 1,181
04 0% 3,684 2,571 3,419 2,399 2,320 1,777 1,697 1,591 1,764 1,419
05 10% 3,816 2,704 3,551 2,532 2,452 1,909 1,830 1,724 1,896 1,552
06 20% 3,948 2,836 3,684 2,664 2,584 2,042 1,962 1,856 2,028 1,684
07 30% 4,081 2,968 3,816 2,796 2,717 2,174 2,095 1,989 2,161 1,816
08 40% 4,213 3,101 3,948 2,929 2,849 2,306 2,227 2,121 2,293 1,949
09 50% 4,346 3,233 4,081 3,061 2,982 2,439 2,359 2,253 2,426 2,081
10 60% 4,478 3,366 4,213 3,194 3,114 2,571 2,492 2,386 2,558 2,214 Illustration:
1. The premium list in this table is for one year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expense and any 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 (by the day).
2. The business expense and any expenses needed to ensure the soundness of this insurance for all the vehicles in this table is NT$358.18, it includes:
(1) Business expense of insurer: NT$352.12, reducible with reference to its management efficiency, (2) any expenses needed to ensure the soundness of this insurance: NT$6.06.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) shall be calculated based on the premium shown in the table 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 r 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.
Level Adjust-
ment Factor
Type of Vehicles Private Light Truck (Natural Person)
Age under 20 Age 21~25 Age 26~30 Age 31~60 Age above 60
Male Female Male Female Male Male Female Male Female Male
01 -30% 3,687 2,422 3,386 2,226 2,136 1,518 1,428 1,307 1,503 1,111
02 -26% 3,747 2,482 3,446 2,286 2,196 1,578 1,488 1,367 1,563 1,171
03 -18% 3,868 2,602 3,566 2,407 2,316 1,699 1,608 1,488 1,684 1,292
04 0% 4,139 2,874 3,838 2,678 2,587 1,970 1,879 1,759 1,955 1,563
05 10% 4,290 3,024 3,988 2,828 2,738 2,120 2,030 1,910 2,105 1,714
06 20% 4,440 3,175 4,139 2,979 2,889 2,271 2,181 2,060 2,256 1,864
07 30% 4,591 3,325 4,290 3,130 3,039 2,422 2,331 2,211 2,407 2,015
08 40% 4,741 3,476 4,440 3,280 3,190 2,572 2,482 2,361 2,557 2,166
09 50% 4,892 3,627 4,591 3,431 3,341 2,723 2,633 2,512 2,708 2,316
10 60% 5,043 3,777 4,741 3,582 3,491 2,874 2,783 2,663 2,859 2,467 Illustration:
1. The premium list in this table is for one year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expense and any 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 (by the day).
2. The business expense and any expenses needed to ensure the soundness of this insurance for all the vehicles in this table is NT$358.18, it includes:
(1) Business expense of insurer: NT$352.12, reducible with reference to its management efficiency, (2) any expenses needed to ensure the soundness of this insurance: NT$6.06.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) shall be calculated based on the premium shown in the table 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 r 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.
5
Level Adjust- ment Factor
Type of Vehicles Dual Use Bus/Freight Truck(Natural Person)
Age under 20 Age 21~25 Age 26~30 Age 31~60 Age above 60
Male Female Male Female Male Male Female Male Female Male
01 -30% 3,687 2,422 3,386 2,226 2,136 1,518 1,428 1,307 1,503 1,111
02 -26% 3,747 2,482 3,446 2,286 2,196 1,578 1,488 1,367 1,563 1,171
03 -18% 3,868 2,602 3,566 2,407 2,316 1,699 1,608 1,488 1,684 1,292
04 0% 4,139 2,874 3,838 2,678 2,587 1,970 1,879 1,759 1,955 1,563
05 10% 4,290 3,024 3,988 2,828 2,738 2,120 2,030 1,910 2,105 1,714
06 20% 4,440 3,175 4,139 2,979 2,889 2,271 2,181 2,060 2,256 1,864
07 30% 4,591 3,325 4,290 3,130 3,039 2,422 2,331 2,211 2,407 2,015
08 40% 4,741 3,476 4,440 3,280 3,190 2,572 2,482 2,361 2,557 2,166
09 50% 4,892 3,627 4,591 3,431 3,341 2,723 2,633 2,512 2,708 2,316
10 60% 5,043 3,777 4,741 3,582 3,491 2,874 2,783 2,663 2,859 2,467 Illustration:
1. The premium list in this table is for one year policy. When an insured or an insurer terminates this insurance contract, after deducting the insurer's business expense and any 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 (by the day).
2. The business expense and any expenses needed to ensure the soundness of this insurance for all the vehicles in this table is NT$358.18, it includes:
(1) Business expense of insurer: NT$352.12, reducible with reference to its management efficiency, (2) any expenses needed to ensure the soundness of this insurance: NT$6.06.
3. Both the contribution to the Compensation Fund (3%) and the contribution to the Stabilization Fund (0.2%) shall be calculated based on the premium shown in the table above.
4.Premium for the first time insured shall be calculated based on the level 4; No matter for commercial or private use, premium of all the light trucks is subject to the one for light trucks(Legal Entity ) in the table; Premium of private sedans for corporate owner is subject to the premium of private sedans of male owner in the age 30-60; Premium of sedans and buses for rent is subject to the premium of commercial sedans and commercial buses, Premium of sedans for long-term rent is subject to the premium of r private sedans.
5. Premium for first-time insured or an insured with no previous insurance record should be calculated based on Level 4. For other insured, the premium Level for current year is calculated based on the traffic violation record in the previous year. For an insured without any violation record in the previous year, the premium Level for current year will be adjusted one Level down from the Level of previous year. The lowest Level is Level 1. For insured with violation records in the previous year, the premium Level for current year is adjusted up by 3 Levels from the Level of previous year for every claim paid. For instance, the premium increase by 3 Level for one claim paid, and 6 Levels for two claims paid. The highest Level is Level 10. If an insured has no traffic violation record in the previous year, but has violation records from past, the premium Level for current year should be adjusted according to the rules described as above. In addition, all traffic violation records occurred after the first subscription of CALI should be included in the adjustment of the premium Level.
The table of premium of Compulsory Automobile Liability Insurance, 2009 (Motorcycle)
Unit:NT$
Policy Period
Premium Charged
Light Weight Motorcycle
Heavy Weight
Motorcycle Small Motorcycle Small Light Motorcycle
1 Year
712 712 502 502
Less than 1Year and 1 Month
737 737 519 519
Less than 1Year and 2 Month
788 788 553 553
Less than 1Year and 3 Month
839 839 586 586
Less than 1Year and 4 Month
890 890 620 620
Less than 1Year and 5 Month
941 941 654 654
Less than 1Year and 6 Month
992 992 688 688
Less than 1Year and 7 Month
1,043 1,043 722 722
Less than 1Year and 8 Month
1,093 1,093 755 755
Less than 1Year and 9 Month
1,144 1,144 789 789
Less than 1Year and 10 Month
1,195 1,195 823 823
Less than 1Year and 11 Month
1,246 1,246 857 857
Less than 1Year and 12 Month
1,297 1,297 890 890
2 Years
1,322 1,322 907 907
Illustration 1: When an insured or an insurer terminates this insurance contract, the insurer should refund the unearned premium calculated as following:
(1)if unexpired policy period is less than one year, after deducting the insurer's business expense and any 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 (by the day).
(2)if 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 according to (1).
Illustration 2: For the purpose of establishing a reference for calculation of future renewal premium, upon the time when a motorcycle owner buys this insurance, insurer will begin collecting the insured's personal factor material on information such as the insured's age, gender, and accidents that were due to the insured's traffic violation.
