台灣過去休閒活動以陸上活動為主，隨著經濟發展、國民所得增加，遊艇休憩活動成為國人休閒活動選項之一。然而遊艇活動所伴隨而來之危險會造成消費者人命之傷亡以及財產之損失，導致社會成本之增加。因此，針對遊艇活動之危險暴露提供保障周延之遊艇保險即是提供遊艇活動安全保障重要方法之ㄧ，透過保險減輕或消除本身所承擔之不確定損失，既簡便且具實質效用。既可減少社會成本之浪費，亦可使消費者更加安心從事相關活動。 囿於國內現行遊艇保險係由多張保險並聯而成，此種零散拼湊方式，不僅造成保險消費者投保不便，同時亦會造成承保範圍疏漏與不足，實有予以整合重新規劃設計之必要。基此，本研究參酌國外保險先進國家遊艇保險商品之範例，針對我國未來遊艇保險發展需要，率先研擬設計遊艇綜合保險單供作國內產險業保險商品設計之參考。 本研究範圍除包括保險商品設計之基本理論外，亦涵蓋遊艇本身之結構與遊艇活動之危險暴露，以作為費率釐訂之參考，基此，透過針對國外介紹遊艇保險之書籍與文章、遊艇安全之相關資訊以及國外遊艇保險單等相關資料之蒐集與整理，勾勒出我國遊艇綜合保險之主要架構以及設計方向。接著擷取美國、英國以及日本遊艇保險之長處，考量我國風俗民情與制度規範，選取適合我國實際現況與需求部分予以結合，設計出遊艇綜合保險單並針對其經營進行說明。 最後，提出本研究之結論與建議事項，供相關主管單位及保險業者作為未來發展及遊艇保險經營之參考。 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.
