A customer visits an RMS customer service centre to enquire about driving in New South Wales on an overseas licence and understanding compulsory and optional motor vehicle insurance policies.
- Adam · turn 1
Hello, my name is Adam. I’m a customer service officer from the RMS. How can I help you today?
您好，我叫亞當，是路政及海事服務局（RMS）的客戶服務人員。今天有甚麼我可以幫您的？
- Mr Wang · turn 2
你好，我今天來諮詢一下我能不能在這個國家開車。我想買一輛二手車，另外我還想知道一下需要買甚麼樣的保險。
Hello, I’m here today to enquire about whether I can drive in this country. I’m thinking of buying a second-hand car, and I’d also like to find out what kind of insurance I need to buy.
- Adam · turn 3
Sure, I can assist you with both of those matters, but let’s deal with them one at a time. First, may I see some photo identification, please? Are you here as a temporary visitor, or are you a permanent resident?
當然可以，這兩件事我都能協助您，不過我們一件一件來。首先，請出示您的帶照片身分證明文件好嗎？您目前是臨時訪客，還是永久居民？
- Mr Wang · turn 4
好的，這是我的護照。我還不是永久居民。我朋友告訴我說，我只能用國內駕照的翻譯件在這裡開三個月，而且在這三個月之內，我必須把駕照轉換成澳洲駕照，才能繼續在新州開車。是這樣嗎？
Sure, here is my passport. I'm not a permanent resident yet. My friend told me that I can only drive here for three months using a translation of my overseas licence, and within those three months, I have to convert my licence to an Australian licence before I can keep driving in New South Wales. Is that true?
- Adam · turn 5
No. Since you’re not currently a permanent resident of NSW, you can still drive using your valid overseas licence, provided you meet the relevant requirements. You don’t need to worry about converting your licence at this stage. If your residency status changes, different requirements and time limits may apply. Now, what would you like to know about car insurance?
不是的。因為您目前並非新州的永久居民，只要符合相關規定，您依然可以使用您有效的海外駕照開車。現階段您不需要擔心更換駕照的問題。如果您未來的居住身分有所改變，可能會適用不同的規定和時限。那麼，關於汽車保險，您想了解甚麼呢？
- Mr Wang · turn 6
那太好了！我發現這裡很多地方如果不開車還真麻煩，所以我打算買一輛二手車。但是我朋友告訴我，買車以後還得買一個強制性的保險。我上網查了一下，發現各種保險的資料和廣告實在太多了，看得我頭暈眼花，都不知道應該怎麼選。
That's great! I've found that getting around many places here is quite troublesome without a car, so I'm planning to buy a second-hand car. But my friend told me that after buying a car, you also have to buy a compulsory insurance policy. I looked online and found so much information and so many advertisements about various types of insurance that my head is spinning, and I really don't know how to choose.
- Adam · turn 7
Yes. There is compulsory motor vehicle insurance called Compulsory Third Party insurance, or CTP. In NSW, it’s commonly known as a Green Slip. CTP is required in connection with vehicle registration. Other types of car insurance aren’t compulsory, but I’d strongly recommend having at least third party property insurance, particularly if you’re relatively new to driving in this state.
沒錯。有一種強制的機動車輛保險，稱為強制第三者責任保險，簡稱 CTP。在新南威爾斯州，俗稱為「綠條」（Green Slip）。CTP 是辦理車輛註冊登記時必須具備的。其他類型的車險並非強制，但我強烈建議至少要購買第三者財產保險，特別是如果您在新州開車還相對是個新手的話。
- Mr Wang · turn 8
就是這裡我搞不太清楚。網上的資料和廣告已經搞得我頭暈眼花了。那個強制第三者責任保險和第三者財產保險，名字聽起來差不多，到底有甚麼區別？
That's exactly what I'm confused about. The information and ads online have already made my head spin. Compulsory Third Party insurance and third party property insurance sound almost the same in name—what on earth is the difference between them?
- Adam · turn 9
The important difference is what they cover. Compulsory Third Party insurance provides cover in relation to death or personal injury arising from a motor vehicle accident. Third party property insurance, on the other hand, generally covers your liability for damage you cause to someone else’s vehicle or property. However, you need to be aware that third party property insurance generally doesn’t cover damage to your own vehicle.
重要的區別在於它們的保障範圍。強制第三者責任保險保障的是機動車輛事故中所造成的死亡或人身傷害。而第三者財產保險通常保障的是您對他人車輛或財產造成的損壞所承擔的責任。但是，您需要注意，第三者財產保險通常不涵蓋您自己車輛的受損。
- Mr Wang · turn 10
我明白了。看來我的確有必要買一個第三者財產保險。要不然萬一哪天不小心撞到一輛勞斯萊斯，那我可就死定了！那我是不是一買車就必須買這個保險呢？還是說我想甚麼時候買就甚麼時候買？
I understand now. It seems I really do need to buy third party property insurance. Otherwise, if I accidentally hit a Rolls-Royce one day, I'd be completely ruined! So do I have to purchase this insurance as soon as I buy the car, or can I just buy it whenever I feel like it?
- Adam · turn 11
Third party property insurance isn’t compulsory, so legally you don’t have to take it out unless you decide that you need it. Of course, if you drive without it and you’re responsible for an accident, you could personally be liable for the cost of repairing the other person’s vehicle or property. Depending on what you hit, that could be a very substantial amount of money.
第三者財產保險並非強制，所以從法律上來說，除非您自己決定需要，否則您不必投保。當然，如果您在沒有這份保險的情況下開車並且造成了事故，您個人可能需要承擔賠償對方車輛或財產維修費用的責任。取決於您撞到了甚麼，那可能是一筆非常龐大的金額。
- Mr Wang · turn 12
對啊，這就是我擔心的。二手車本身可能才值幾千塊錢，但如果撞壞了別人的豪車，維修費可能比我的車還貴。那強制的 CTP 呢？我買二手車的時候是不是也要重新買？
Exactly, that's what I'm worried about. The second-hand car itself might only be worth a few thousand dollars, but if I damage someone's luxury car, the repair bill could be more expensive than my whole car. What about the compulsory CTP? Do I have to buy it again when I purchase a second-hand car?
- Adam · turn 13
Not necessarily. If the vehicle is already registered and its CTP insurance is still current, the registration and associated CTP arrangements generally continue when the vehicle is transferred to the new owner. You’ll still need to complete the transfer of registration into your name and pay any applicable transfer fees. You would then deal with the CTP again when the vehicle registration is due for renewal.
不一定。如果車輛已經註冊登記，而且 CTP 保險依然在有效期內，那麼在車輛過戶給新車主時，註冊和相關的 CTP 通常會繼續有效。您依然需要將車輛註冊過戶到您的名下，並支付相關的過戶手續費。等到車輛註冊需要續期時，您才需要再次辦理 CTP。
- Mr Wang · turn 14
那也就是說，我買車之前最好先確認一下車輛的註冊和 CTP 還有多久到期，對吧？我可不想剛把車買回來，過兩天才發現又要交一筆錢。
So that means before buying a car, I'd better check how long the vehicle's registration and CTP still have before expiring, right? I really wouldn't want to buy the car and then find out just two days later that I have to pay another sum of money.
- Adam · turn 15
Exactly. Before you buy a second-hand vehicle, it’s sensible to check the registration status and expiry date. You should also make sure the seller’s details match the registration records and complete the transfer promptly. And remember, CTP and registration don’t protect you against the cost of damage to the actual vehicles, so you should consider arranging third party property or comprehensive insurance before you start regularly driving the car.
完全正確。在購買二手車之前，檢查註冊狀態和到期日是明智的做法。您還應該確認賣家的資料與註冊記錄相符，並及時辦妥過戶手續。請記住，CTP 和註冊登記並不會保障您車輛本身的受損費用，因此在您開始經常開車之前，應該考慮辦理第三者財產保險或綜合汽車保險。
- Mr Wang · turn 16
Comprehensive insurance? 又多了一種！我剛弄明白第三者財產保險，現在又來一個綜合汽車保險。這兩個又有甚麼區別？
Comprehensive insurance? Another type! I just barely figured out third party property insurance, and now here comes comprehensive car insurance. What is the difference between these two?
- Adam · turn 17
Third party property insurance mainly protects you against the cost of damage you cause to other people’s property. Comprehensive insurance provides broader cover and can generally include damage to your own vehicle as well as damage to another person’s vehicle or property, subject to the terms, exclusions and excess under the policy.
第三者財產保險主要保障您對他人財產造成的損壞費用。綜合汽車保險則提供更廣泛的保障，在符合保單條款、不保事項和自付額的前提下，通常既涵蓋您自己車輛的受損，也涵蓋他人車輛或財產的損壞。
- Mr Wang · turn 18
你剛才說的 excess 是甚麼？是不是說就算買了保險，出了事故我自己還是要付一部分錢？
What is the 'excess' you just mentioned? Does it mean that even if I bought insurance, I still have to pay part of the cost myself if there's an accident?
- Adam · turn 19
That’s right. The excess is the amount you may have to contribute towards a claim. For example, if your policy has a standard excess of $800 and you make an eligible claim, you may have to pay that $800 yourself before or as part of the insurer settling the claim. There can also be additional excesses for certain drivers, such as younger or inexperienced drivers, depending on the policy.
沒錯。自付額（excess）是在提出理賠時您可能需要分擔的金額。舉例來說，如果您的保單有 800 澳元的標準自付額，而您提出合資格的理賠，那麼在保險公司理賠之前或作為理賠的一部分，您可能需要自己先付這 800 澳元。根據保單條款，針對某些駕駛者（例如年輕或缺乏經驗的駕駛者），可能還會有額外的附加自付額。
- Mr Wang · turn 20
原來如此。那我買保險的時候還真不能只看保費便不便宜，還得看看自付額是多少、保甚麼、不保甚麼。要不然光看廣告，還真容易被弄糊塗。
I see. So when buying insurance, I really can't just look at whether the premium is cheap; I also have to look at how much the excess is, what's covered, and what's excluded. Otherwise, just looking at advertisements, it's really easy to get confused.
- Adam · turn 21
Exactly. It’s worth comparing the premium, excess, level of cover and any exclusions rather than simply choosing the cheapest policy. You should read the Product Disclosure Statement carefully, and if there’s anything you don’t understand about a particular policy, you can contact the insurer directly before taking it out.
正是如此。比較保費、自付額、保障範圍和任何不保事項是很有價值的，而不是單純選擇最便宜的保單。您應該仔細閱讀產品披露聲明（PDS），如果在投保前對特定保單有任何不明白的地方，可以直接聯絡保險公司諮詢。
- Mr Wang · turn 22
我明白了。我回去會再研究一下，比較幾家保險公司的條款再做決定。至少現在我終於搞清楚 CTP、第三者財產保險和綜合汽車保險不是一回事了。有問題我再來找你，謝謝。
I understand. I'll do some more research when I get home and compare the terms from a few insurance companies before making a decision. At least now I finally understand that CTP, third party property insurance, and comprehensive car insurance are not the same thing. If I have any questions, I'll come back to you. Thank you.
- Adam · turn 23
No problem. Just remember to check the vehicle’s registration status before you buy it and make sure the registration is transferred into your name within the required timeframe. Take care, and good luck with finding your car.
不客氣。只要記住在買車前核實車輛的註冊狀態，並確保在規定時限內將車輛註冊過戶到您的名下。保重，祝您順利買到合心意的車。
- Mr Wang · turn 24
好的，謝謝你。再見。
All right, thank you. Goodbye.
- Adam · turn 25
You’re welcome. Goodbye.
不客氣。再見。
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