Can anyone clear up the types of insurance one can get here? I have the very basic third party on mine, but I’d like to get more. Examples, if my bike is stolen, i’d like 30000, its approximate worth. Or, if i come back to find it’s been run over by a drunkard or a taiwanese driver i’d like money to fix it or replace it. What other coverages are offered or would you suggest? basically whatever happens i don’t wanna get into one of these negotiations with someone’s grandmother whose only job is to say it wasn’t her granddaughters fault, i just wanna say THIS IS WHY I HAVE BIG FUCK OFF INSURANCE, please excuse my language.
Insurance companies aren’t the same here compared to Western countries. You can buy third party insurance but it will cost ya and they won’t cover much for motorcycles. Check Fubon. You can do a search and find them. You can buy theft insurance but they won’t cover much, maybe only up to 30k.
I already have third party insurance, that’s the basic required insurance. 第三人 It was less than 600 for the year. I wanna go beyond that is what I’m saying.
And what I am saying is you can. Fubon Insurance has other options, I have a few friends that pay extra (third party insurance through Fubon). Your yearly 600nt insurance wont cover theft or any other kinds of damage.
Right I’ll look into them, there’s a branch near me. What I’m looking to find out is what other products they offer besides the basic third party, preferably in English, or in Chinese I can decipher.
Good luck and I would also like to know what other features they offer. Please let us know.
My understanding is that if you have the “basic required insurance”, you DO NOT have “third party insurance” as you probably understand it.
You have rather limited cover for third party injury ONLY.
If you run your motorcycle into the side of a FERRARI I don’t think you’re covered for the damage to the other vehicle.
This of course gets to be a more serious exposure if you are driving a car. I drive so little that I just went with the basic for several years, but this year upgraded to what I THINK is a rough equivalent of 3rd Party. It was about 6.5K
My understanding is this gives no cover for my vehicle, which is OK since it isn’t worth anything so they wouldn’t pay out anyway.