Up to NT$20m excess liability
Third-party and passenger excess liability is up to NT$20,000,000 total per accident, subject to policy wording and attachment conditions.
Protection first, then the details
Each cover has its own limit, policy wording, and insurer review. Per-person, per-accident, primary, compulsory, passenger, and excess limits work differently and must not be added into one headline total. The effective policy on the accident date controls; ask us to reconfirm the current policy at booking or handover.
NT$10,000 ordinary collision cap
For an ordinary covered vehicle-body collision, a compliant renter's contractual responsibility is capped at NT$10,000 per accident.
NT$5,000 deposit is not the liability cap
The deposit secures post-return settlement. Documented ETC, parking, fuel, cleaning, loss, equipment, or damage charges above it remain payable.
Insurance protection limits
This is the current coverage summary. Claim approval and payment depend on the accident, liability allocation, effective policy, limits, and insurer review.
| Protection | Limit and key point |
|---|---|
| Compulsory automobile liability | Statutory limits on the accident date. As of 17 Aug 2026: injury medical expenses up to NT$200,000 per person and death benefit up to NT$3,000,000 per person. |
| Voluntary third-party bodily injury | Up to NT$3,000,000 per person and NT$6,000,000 total per accident. |
| Third-party property damage | Up to NT$500,000 total per accident. |
| Third-party and passenger excess liability | Up to NT$20,000,000 total per accident, subject to policy wording and attachment conditions. |
| Passenger liability | Up to NT$1,000,000 per person and NT$5,000,000 total per accident. |
| Driver injury | Up to NT$1,000,000 for death or disability, plus hospitalization benefits stated in the effective policy. |
| Type B vehicle-body cover | Covered collision, overturn, fire, lightning, explosion, thrown objects, or falling objects. A 2022 long-term purchase/lease quotation states no vehicle-body deductible; the effective annual policy and insurer review still control. |
| Theft | 10% deductible based on vehicle value and current policy terms. |
Renter liability and the NT$5,000 deposit
The deposit is settlement security; it is not a promise that every accident costs only NT$5,000.
Ordinary covered vehicle-body collision
Under the rental agreement, renter responsibility is capped at NT$10,000 per accident only when all of these apply:
- The driver is valid, authorized, and using the vehicle lawfully.
- The accident is reported immediately to police and JoyForest CamperVan Rental, with evidence preserved.
- There is no unauthorized private settlement and the renter cooperates with the claim.
- The loss is within vehicle-body cover and the insurer approves the claim.
What the deposit is for
The current NT$5,000 deposit can settle:
- ETC, parking, fuel, and agreed cleaning costs.
- Lost items, equipment damage, or vehicle damage.
- Other necessary, documented charges under the rental agreement.
Any balance is refunded; documented charges above the deposit are settled separately.
The insured base vehicle and camper cabin are different
Automobile insurance does not mean every camper structure and item is included in vehicle-body cover.
What automobile insurance addresses
It primarily addresses the insured base vehicle and approved liabilities for third-party bodily injury, death, property damage, and passengers, subject to each limit and policy term.
Camper cabin and equipment
The camper cabin, roof, attached structures, interior build, water and electrical systems, appliances, furniture, awning, and camping or entertainment equipment are not part of the insured automobile body. Holes, cracks, deformation, leaks, structural damage, or loss are handled at documented repair or replacement cost.
We do not charge casually for normal outdoor-use marks
Minor branch marks, light surface scratches, and small non-structural scuffs are generally normal wear. A more noticeable corner impact receives only a reasonable, usually modest charge when repair is actually needed. Holes, breakage, leaks, deformation, or structural damage are the threshold for material repair charges.
What to do after an accident
Protect people first, then preserve complete information so the insurance process can proceed.
- Stop safely, check everyone, and prevent a second accident.
- Call the police; call 119 immediately if anyone is injured.
- Notify JoyForest CamperVan Rental at once and photograph the vehicles, surroundings, impact points, and relevant documents.
- Do not leave, privately settle, promise payment, or arrange repairs without authorization.
- Cooperate with the police, insurer, and JoyForest CamperVan Rental on all follow-up documents.
When the ordinary NT$10,000 cap does not apply
These cases follow the rental agreement, policy, and actual loss. Neither the deposit nor the ordinary collision cap is the final liability limit.
- Total loss, theft, alcohol- or drug-impaired driving, invalid or unauthorized driving, or hit-and-run.
- Failure to report, failure to notify promptly, unauthorized private settlement, illegal use, or intentional damage.
- Other conduct or loss that causes claim denial, reduction, or falls outside coverage.
- Third-party bodily injury, death, or property damage above the applicable insurance limits.
Insurance does not remove the actual driver's criminal, administrative, or civil responsibility.
Two years of rental experience, with practical handover guidance
As of 17 Aug 2026, JoyForest CamperVan Rental has about two years of campervan-rental experience without an accident involving serious personal injury, major third-party liability, or a severe automobile-insurance claim. The most serious renter-caused case was a roof/camper-cabin scrape against a low rain awning, with repair above NT$10,000. The historical deposit was NT$10,000 and was retained in full. The current deposit is NT$5,000; that past handling does not cap a future loss at the deposit.
At handover we repeat the key warning: the vehicle is approximately 3 metres high. Avoid underground parking, low awnings, shelters, signs, steel frames, and branches. When clearance is uncertain, stop and get out to check.