How the premium is set
Compulsory automobile liability insurance (強制汽車責任保險, usually shortened to 強制險) is required by law for every scooter. For scooters the premium depends on only two things: the vehicle class on your registration certificate and the policy term. The rating formula sets the scooter premium equal to the “basic pure premium”, with none of the age, gender or claims-history factors used for cars. Two riders of different ages with the same class of scooter pay the same premium from the table, whichever insurer they use.
The table on this page shows one- and two-year premiums. The official rate table also has short-period rates (from “under one year and one month” to “under one year and twelve months”) for policies that need to line up with another date; we do not list those.
One year or two?
A two-year policy is paid in one go. For an ordinary heavy motorcycle it costs NT$1,200, NT$116 less than two separate one-year policies (NT$1,316). That difference is simple arithmetic from the table, not a recommendation: whether two years suits you depends on things like selling, transferring or scrapping the scooter before then.
Higher payouts from July 2026
The compulsory insurance website run by the Taiwan Insurance Institute states that from 1 July 2026 the benefit caps are NT$200,000 for injury medical costs, NT$3 million for disability and NT$3 million for death (death and top-level disability were NT$2 million before). A press release from the Insurance Bureau of the Financial Supervisory Commission on 12 February 2026 said the increase was made “without adding to the premium burden on the insured public” (our translation), and the scooter rate table did not change.
What might change
Note 2 of the rate table says that when a scooter policy is taken out, insurers will begin collecting personal risk data “as a basis for calculating premiums at future renewals”. Scooter premiums ignore personal factors today, but they might not in future. The authorities last revised the table on 17 April 2024, and we update this page when they announce a change.
For where and how to buy, including the direct-purchase discount, see how to buy compulsory insurance.