Motorbike Compulsory Automobile Liability Insurance (Motorbike CALI)

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Coverage Year

1 year TWD658 2 years Coming Soon

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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

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	-