現代人生活習慣改變，加上COVID-19爆發後，臺灣外送平台訂單數量迅速增長。審計部資料顯示，2022年12月全臺登錄機車外送員已有近17萬人。而眾多的訂餐時間與上下班高峰期重疊，外送員處於人車流量大、高風險之環境中，增加發生交通事故的可能性。然而，伴隨外送員人數增長以及發生事故可能性增加，外送員作為勞動者之保障比起多數運輸業與勞動人口卻顯不足。
儘管過去UBI (Usage-Based Insurance)在臺灣實際銷售狀況不佳，2023年金管會發布聲明，希望產險公司積極與金融科技專業人士合作促進加入駕駛行為因素之UBI，朝永續保險商品與永續經營發展。而破碎型保險係將傳統保險切隔成小單位來銷售的形式，為特殊時段或特殊風險量身制定之保險商品，適用於現行機車外送員與外送平台之狀況，使本研究訴求之機車外送員保險具有高度可行性。
為了全面考量各利益關係人之觀點，本研究蒐集海內外UBI保險商品之案例與文獻，邀請交通運輸、金融保險、勞工福利、社會安全等多元領域之專家，將「機車外送員破碎型UBI保險費率關鍵因素」作為目標，以層級分析法得出機車外送員破碎型UBI保費關鍵因素之權重與順序，並彙整來自各方領域專家、學者之意見以相輔相成。
本研究結果顯示，專家群以PHYD (Pay-How-You-Drive)為UBI保險中整體權重最高之項目，可見專家群對駕駛行為之重視。而評估準則的部分，專家群一致認為「超速比例」、「肇責賠款經驗」、「變換車道」為相對重要之關鍵因素。整體而言，機車外送員破碎型UBI保險的保費因子仍以PHYD、PAYD (Pay-As-You-Drive)、傳統保費綜合考量為佳。建議產險公司打造免費線上服務，提供使用者初步的駕駛行為與改善建議，透過降低保費、達成目標獎勵機制、完整的駕駛行為與改善建議報告書等作為誘因，增強外送員主動投保動機，提高其交通安全意識，減少危險駕駛行為。而此舉亦能作為產險業者朝向MHYD (Manage-How-You-Drive)保險發展之里程碑。

The rise of digital consumption habits, accelerated by the COVID-19 pandemic, has led to a surge in delivery platform usage in Taiwan. As of 2022, nearly 170,000 scooter couriers were registered nationwide, according to the National Audit Office. The overlap of delivery times with peak commuting hours places these workers in high-risk traffic conditions, increasing the possibility of accidents. Despite their growing numbers, scooter couriers remain insufficiently protected compared to other transportation and labor sectors.
Although Usage-Based Insurance (UBI) has faced limited adoption in Taiwan, the Financial Supervisory Commission (FSC) released a statement in 2023 promoting UBI development in collaboration with FinTech experts. The statement emphasized the incorporation of driving behavior into insurance design and the shift toward sustainable operations. In this context, fragmented insurance that aligns coverage with defined periods or operational conditions offers a viable solution tailored to the needs of scooter delivery personnel.
To explore premium-setting factors for fragmented UBI, this study examined both domestic and international literature and carried out an expert survey using the Analytic Hierarchy Process (AHP). Experts were selected from four key fields: traffic safety, social safety, finance and insurance, and labor welfare. Five main criteria and 20 sub-criteria were established for assessment.
Results indicate that experts identified Pay-How-You-Drive (PHYD) as the most critical dimension in premium determination, underscoring the importance of measurable driving behaviors. Key factors such as Ratio of speeding, Responsibility and compensation for accident, and Sudden lane change were consistently ranked highest. While PHYD factors were dominant, experts also recommended combining them with Pay-As-You-Drive (PAYD) and traditional insurance indicators to ensure comprehensive risk assessment.
Based on the findings, the study suggests that insurers introduce free digital tools to assess and improve riding behavior, offering incentives such as premium discounts and performance-based rewards. This approach may help raise delivery riders’ risk awareness and promote safer riding. It also lays the groundwork for future development of MHYD insurance in Taiwan.

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