シグナル8と自動車保険

先週の台風シグナル10は5年振りだそうだ。

f:id:hkdriver:20170826182637p:plain

いつもであれば、シグナル8でも出勤していたが、前日のNational Staffによる今回は10になるとのことで安全第一で今回はExpats全員も自宅待機にすることにした。午後には3になるだろうとの事であったが、中々8が解除されず、最終的に夕方まで延期されたため、結局、終日出勤は取りやめることにした。

3時ごろはすでに台風が通過しており「大丈夫だろう」と思い車で出勤することも考えたが、噂で「台風の際は自動車保険が適用されない」という事を耳にしたので、本当かどうか検証することにしてみた。

 

香港の自動車保険情報が多く載っているKwiksure社 のHP

https://kwiksure.com/blog/typhoon/ によれば、以下の説明が記載されている。

Quote:

Does my car insurance cover my car during a typhoon?

Yes! The vast majority of car insurance plans in Hong Kong cover vehicles during a typhoon. What we mean by this is that, should your vehicle be damaged while it is parked during a typhoon, the insurer will pay out on claims for repairs. But, as with everything in the insurance industry, there are a few situations here where coverage may not apply that you need to be aware of.

Situation 2 - driving during a typhoon

In almost all cases, driving during a typhoon will not result in a lapse of your car insurance coverage. However, there are certain situations in which driving during a typhoon can lead to your insurance coverage lapsing.

One such example comes with road conditions and safety. All motor insurance policies require that you operate the vehicle in a way that does not expose you to excess risk or dangerous conditions. If for example, you are driving home and see that the road ahead of you is flooded, yet decide to continue driving through it and end up damaging your car, your insurer could dispute this claim. In this situation, it would be up to them to prove you knowingly put the vehicle in danger in order to reject the claim.  

Unqute:

 

煮え切らない微妙な書き方だが、要は一応、台風下での運転でも保険適用対象(auto insurance lapse=保険の失効にはならない)であるが、台風や自然災害等により、目の前に危険が迫っているにもかかわらず危険回避策を講じずに被害に遭った場合には免責(保険適用対象外)になるということか。

念のため自分のZurichのMotor Car Insurance Policyも確認したが台風等についてのExcessやIndeminity等は見当たらず。この微妙な状況を考えると、最も安全なのはシグナル8下での運転は極力回避するべしということだろう。

最終的な解釈については責任を持てないので、各自のInsurance Policyを確認されたい。

 

尚、タクシーがよくシグナル8になると「保険が効かないのでそのリスク代上乗せ」として値上がりするが、これに関しても記載があった。

 

Quote:

Situation 3 - Commercial vehicles and typhoons

Last year, after one of the T8s hit the city, the SCMP published an article about taxi drivers flat rating passengers and saying that during a typhoon their insurance lapses. To drivers, this means that they are justified in charging higher fares in order to cover the risk of driving without insurance. In Kwiksure's experience, the plans we sell to taxi drivers do not have a condition that states that coverage lapses during a typhoon.  

That said, there are commercial vehicle motor insurance plans in Hong Kong that do state that coverage does not cover these vehicles during typhoons over a certain strength. If you have a commercial vehicle insurance plan, then it would be a good idea to read the terms and conditions to see if you are covered during a typhoon.   

 

Avoid commercial vehicles with lapsed insurance - If a taxi driver or other commercial vehicle driver tells you their insurance lapsees during a typhoon, it is best to try to find another driver. If this is true, and the driver gets into an accident, the extra money charged to "cover the risk" will in no way cover damages. If you are injured there could also be issues with receiving compensation, so it's best to just avoid the situation.

Unquote:

 

なるほど。商用車は台風特約のようなものがあるんだろうが、昨今の競争の厳しい環境下では付保していないドライバーが大半と推測される。アドバイスに従って、保険が掛かっていないタクシーに意味もなく100ドル以上払うか、保険が付保されていて正規料金のタクシーを暴風の中待ち続けるか、答えはおのずと1つであろう。