【BOSS 養車百科：資深車友篇 / Senior Driver Guide 】

70 歲續牌點只體檢咁簡單？車保 4 大重點你要知！
Renewing Your License at 70? 4 Critical Insurance Tips You Must Know!

屋企長輩年滿 70 歲想繼續享受開車樂趣？除咗要去運輸署續牌同體檢，「汽車保險」先係最容易被忽略嘅一環！CarBoss 為大家整理咗 4 大關鍵：
Is your senior family member turning 70 and wants to keep driving? Besides the medical check-up, "Car Insurance" is often overlooked! Here are 4 keys summarized by CarBoss:

1️⃣ 保費與墊底費或會調整 / Premiums & Excess Adjustments

•  保險公司會根據年齡重新評估風險，墊底費 (Excess) 可能增加。建議留在原公司續保，成功率較高。 Insurers re-evaluate risk based on age; your Excess may increase. Staying with your current insurer often yields a higher success rate.

2️⃣ 誠實申報健康狀況 / Health Declarations

• 血壓、視力等健康變化必須如實告知。隱瞞病歷一旦發生意外，保險公司有權拒絕賠償！You must disclose health issues like blood pressure or vision. Non-disclosure can lead to claim rejection if an accident occurs!

3️⃣ 執照與保險的關係 / License & Policy Validity

• 70 歲後執照改為 1 年或 3 年一續。切記： 如果執照過期，保險會即時失效！ Licenses are renewed every 1 or 3 years after 70. Note: If your license expires, your insurance becomes void immediately!

4️⃣ 提前 2-3 個月部署 / Plan 2-3 Months Ahead

• 唔好等過期先搵！提前詢問續保條件，並貨比三家搵最合適方案。Don't wait until the last minute! Start checking renewal terms and compare quotes 2-3 months in advance.