1.31 Million Motorcycles in Taiwan Lack Compulsory Insurance; Violators May Face Dual Fines
Taiwan's FSC announced that as of end-2025, about 1.31 million motorcycles (9% of registered vehicles) lack compulsory insurance. Uninsured riders caught violating traffic rules may receive two fines: one for the violation and another for lacking insurance.
📋 Article Processing Timeline
- 📰 Published: June 4, 2026 at 21:20
- 🔍 Collected: June 4, 2026 at 21:38 (18 min after Published)
- 🤖 AI Analyzed: June 6, 2026 at 15:30 (41h 51m after Collected)
(Central News Agency reporter Su Siyun, Taipei, 4th) The Financial Supervisory Commission (FSC) stated today that as of the end of 2025, approximately 1.31 million motorcycles in Taiwan were not covered by compulsory insurance, urging riders to purchase coverage promptly. The FSC also reminded that uninsured motorcyclists who are stopped for traffic violations may receive two fines for a single incident: one for the violation itself, and another for failing to have compulsory insurance.
FSC Insurance Bureau Deputy Director General Chen Ching-yuan said that according to statistics from transportation authorities, the number of registered motorcycles reached 14.67 million by the end of 2025, but only about 13.36 million had compulsory automobile liability insurance, leaving approximately 1.31 million (9%) uninsured. He urged motorcyclists to obtain insurance to protect their rights.
Chen noted that an amendment to Article 49 of the Compulsory Automobile Liability Insurance Act at the end of 2022 stipulates that if a motorcycle owner fails to obtain compulsory insurance and also violates the Road Traffic Management and Penalty Act, they can be cited for both offenses, with fines ranging from NT$1,500 to NT$3,000. For example, a rider fined NT$900 for illegal parking could also be fined NT$1,500 for lacking insurance, for a total of NT$2,400.
Chen pointed out that under Article 51-1, if an insurance policy has been expired for more than six months without renewal, the FSC may refer the case to highway authorities to revoke the vehicle's license plates.
To increase the motorcycle insurance rate and enhance road user safety, the FSC has instructed insurance companies to notify policyholders 30 days before the policy expires, and to send at least two more renewal reminders within 30 days after expiration. Additionally, for those still uninsured two months and five months after expiration, the FSC Insurance Bureau and the Ministry of Transportation and Communications' Highway Bureau will jointly send reminder notices.
Chen reminded vehicle owners to promptly update their address, mobile phone number, and email with their insurance company to avoid missing renewal reminders and potentially losing coverage. (Editor: Yang Lanxuan) 1150604
FSC Insurance Bureau Deputy Director General Chen Ching-yuan said that according to statistics from transportation authorities, the number of registered motorcycles reached 14.67 million by the end of 2025, but only about 13.36 million had compulsory automobile liability insurance, leaving approximately 1.31 million (9%) uninsured. He urged motorcyclists to obtain insurance to protect their rights.
Chen noted that an amendment to Article 49 of the Compulsory Automobile Liability Insurance Act at the end of 2022 stipulates that if a motorcycle owner fails to obtain compulsory insurance and also violates the Road Traffic Management and Penalty Act, they can be cited for both offenses, with fines ranging from NT$1,500 to NT$3,000. For example, a rider fined NT$900 for illegal parking could also be fined NT$1,500 for lacking insurance, for a total of NT$2,400.
Chen pointed out that under Article 51-1, if an insurance policy has been expired for more than six months without renewal, the FSC may refer the case to highway authorities to revoke the vehicle's license plates.
To increase the motorcycle insurance rate and enhance road user safety, the FSC has instructed insurance companies to notify policyholders 30 days before the policy expires, and to send at least two more renewal reminders within 30 days after expiration. Additionally, for those still uninsured two months and five months after expiration, the FSC Insurance Bureau and the Ministry of Transportation and Communications' Highway Bureau will jointly send reminder notices.
Chen reminded vehicle owners to promptly update their address, mobile phone number, and email with their insurance company to avoid missing renewal reminders and potentially losing coverage. (Editor: Yang Lanxuan) 1150604