遊 艇 綜 合 保 險 單 研 擬 設 計 之 研 究

Abstract

With the rising of economy and increasing of national income, the yacht recreation has become one of the options of entertainment in Taiwan. However, there are many risks along with the yacht activities which causing the loss of life and damage of properties. Hence, a yacht insurance with fully covered is a good way to provide safety protection on yacht recreation. Mitigating or removing the uncertainty of loss by insurance is easier and much efficient than others’. It’s not only reducing the cost of society, but making consumers feel relieved while taking relative activities. Because of the yacht insurance consists of several insurance policies at present, causing the inconvenience when consumers requesting insurance and the leakage or insufficiency of coverage which must be integrated all of the coverage into one and design a new yacht insurance policy. Therefore, this study refer to several yacht insurance policies in many countries as samples in accordance with the need of development on ours yacht insurance in the future; designing a comprehensive policy of yacht insurance as a referral on new product design in general insurance industry in Taiwan. The study includes the theories of designing insurance product. In addition, there are also including the structure and risk exposure of yacht to be the facts of rate estimation. Therefore, this study generalize the literature and article about yacht insurance, yacht insurance policies, safety information and others’ relative information to illustrate the main framework of comprehensive policy of yacht insurance in the version of our country. The study considers our local customs and regulation, comparing with the yacht insurance in America, England and Japan, and combining the advantages around them which fit our realistic circumstance for designing comprehensive policy of yacht insurance, besides making a description of management. The study ends in conclusions and suggestions to put a new view on general insurance industry and government for developing yacht recreation and yacht insurance in the future.