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iFWD makes CALI better

Although it is mandatory to get CALI, it doesn't have to be boring!

iFWD aims to create a better purchasing experience by making insurance fun and simple. You can easily get the coverage you need, enjoy your life to the fullest and get ready to live!

How Does CALI Work?

Getting CALI is mandatory. In order to assure every accident victim can get proper medical treatment, the government collects money via CALI. By paying a small fee, all accident victims can get proper medical treatment. Moreover, it can also provide those victims who suffer from a hit and run case with sufficient medical treatment and compensation for loss of life.

Considering the possible risks when riding a motorbike, it is vital to understand what CALI covers (and what it doesn't).

In an accident, CALI covers

As the fees for CALI tend to be low -mostly less than NTD1,000 - the government can only guarantee coverage for physical injuries of the victim but not damaged assets. Only voluntary policies will cover damage to third party assets.

  • Other riders or passengers involved
  • Your passenger(s) involved
  • Pedestrian(s) involved
  • Your motorbike
  • Personal injuries of rider
  • Other motorbikes

This means that in an accident CALI covers:

It's easy to get a quote for CALI with iFWD - and if you also want to cover your motorbike, lost assets, and physical injuries of the rider, check out our voluntary coverage options and get a quote right now.

My CALI pays for...

  • My passenger(s)
  • Other side rider
  • Other side passenger(s)
  • Other pedestrian(s) and third party

His/Her CALI pays for...

  • Myself
  • My passenger(s)
  • his/her side passenger(s)
  • Other pedestrian(s) and third party

What does CALI cover?

Situation What Happens
No-Fault Compensation When a traffic accident happens, claims will be paid out to the third part regardless of which rider is at fault.
Direct Claim Right for Speedy Claims Because claims are paid out regardless of which rider is at fault, you can claim directly from your insurer. It helps you get your approved compensation quicker.
Motor Vehicle Accident Compensation Fund Unfortunately, you may get involved in an accident with someone who does not hold a CALI policy, is not the vehicle registrant, or for example flees the scene of the accident. In this case, the government’s Motor Vehicles Accident Compensation Fund takes responsibility for making sure that your claim is settled.
  • Situation

    No-Fault Compensation

    What Happens

    When a traffic accident happens, claims will be paid out to the third part regardless of which rider is at fault.

  • Situation

    Direct Claim Right for Speedy Claims

    What Happens

    Because claims are paid out regardless of which rider is at fault, you can claim directly from your insurer. It helps you get your approved compensation quicker.

  • Situation

    Motor Vehicle Accident Compensation Fund

    What Happens

    Unfortunately, you may get involved in an accident with someone who does not hold a CALI policy, is not the vehicle registrant, or for example flees the scene of the accident. In this case, the government’s Motor Vehicles Accident Compensation Fund takes responsibility for making sure that your claim is settled.

Penalty without CALI

Remember, you must buy a CALI policy; it is required by the government.

Make sure you double check the expiration of our CALI - you will be liable to punishment if you ride without a valid policy. We advise you to renew your CALI two months ahead of its expiration date.

Your CALI should be valid for longer than 30 days, or else the motor vehicle division cannot make any inspections or any changes to our vehicles.

Conditions Penalty
Owner of motorbike without CALI TWD1,500 ~ TWD3,000
At fault in accident without CALI TWD6,000 ~ TWD30,000
No-payment / late payment of penalty Evoke to court, cease owner of the vehicle to process changes or transfer
  • Conditions

    Owner of motorbike without CALI

    Penalty

    TWD1,500 ~ TWD3,000

  • Conditions

    At fault in accident without CALI

    Penalty

    TWD6,000 ~ TWD30,000

  • Conditions

    No-payment / late payment of penalty

    Penalty

    Evoke to court, cease owner of the vehicle to process changes or transfer

Coverage

Benefit Types Compensation (NTD) Notes
1.0 Medical Injury Maximum TWD200,000 per person per accident -
1.1 First aid expense Maximum TWD200,000 per person per accident Search and rescue fee, Ambulance fee, Ambulance staffing fee
1.2 Ward fee TWD1,500 per day -
1.3 Food allowance TWD180 per day -
1.4 Prosthesis device Maximum TWD50,000 per limb -
1.5 Denture device Maximum TWD10,000 per tooth, maximum TWD50,000 in total for more than five teeth -
1.6 Medical appliance Maximum TWD20,000 Special material, wheelchair, crutch
1.7 Pick-up fee Maximum TWD20,000 Reasonable transportation fee for round trip to outpatient, transfer to other hospital, discharge from hospital.
1.8 Care fee TWD1,200 per day, maximum 30 days -
2.0 Disability benefits Level 15 (TWD50,000) to Level 1 (TWD2,000,000) Level of disablement: 15 levels and 205 items
3.0 Death benefits TWD2,000,000 per person -
Benefit Types 1.0 Medical Injury
Compensation (NTD) Maximum TWD200,000 per person per accident
Notes -
Benefit Types 1.1 First aid expense
Compensation (NTD) Maximum TWD200,000 per person per accident
Notes Search and rescue fee, Ambulance fee, Ambulance staffing fee
Benefit Types 1.2 Ward fee
Compensation (NTD) TWD1,500 per day
Notes -
Benefit Types 1.3 Food allowance
Compensation (NTD) TWD180 per day
Notes -
Benefit Types 1.4 Prosthesis device
Compensation (NTD) Maximum TWD50,000 per limb
Notes -
Benefit Types 1.5 Denture device
Compensation (NTD) Maximum TWD10,000 per tooth, maximum TWD50,000 in total for more than five teeth
Notes -
Benefit Types 1.6 Medical appliance
Compensation (NTD) Maximum TWD20,000
Notes Special material, wheelchair, crutch
Benefit Types 1.7 Pick-up fee
Compensation (NTD) Maximum TWD20,000
Notes Reasonable transportation fee for round trip to outpatient, transfer to other hospital, discharge from hospital.
Benefit Types 1.8 Care fee
Compensation (NTD) TWD1,200 per day, maximum 30 days
Notes -
Benefit Types 2.0 Disability benefits
Compensation (NTD) Level 15 (TWD50,000) to Level 1 (TWD2,000,000)
Notes Level of disablement: 15 levels and 205 items
Benefit Types 3.0 Death benefits
Compensation (NTD) TWD2,000,000 per person
Notes -