Insurance × Repair — Total Support
Your Trusted Insurance Partner When Accidents or Breakdowns Happen.
Unsure whether to file a claim? From repair estimates and replacement cars to negotiations with your insurer, our certified technicians handle everything for you—so you can drive again with total peace of mind.
1000+
Repairs Managed and Counting
Partner Insurance Companies
As a certified repair shop, we offer seamless support that combines insurance and repairs.
A trusted top brand with 140+ years of history
Customer-first, courteous support
High claim satisfaction & repeat users
Dash-cam-linked, tech-forward policies
Robust corporate & fleet coverage
One of Japan’s leading non-life insurers with proven results
Nationwide teams, rapid response
24/7 roadside assistance
AI damage assessment for smooth claims
Wide disaster cover beyond autos
AUTO INSURANCE
Key Service Features
As a repair-shop-run insurance agency, we offer seamless support that combines both claims and repairs.
How We Compare to Online-Only Insurance
Because we’re a repair-shop-run insurance agency, we’re the partner you can truly rely on when accidents or trouble strike.
(Our Service)
Optional Riders for Extra Peace of Mind
Add these riders to boost your protection when “what-ifs” become reality.
Roadside Assistance
Peace-of-mind support for accidents or breakdowns—towing, on-site help, even lodging.
Learn more
With Tokio Marine Nichido and Sompo Japan, unlimited towing to our designated repair shop is automatically included.
Up to 50 km to other shops, plus on-scene dispatch.
Extras: emergency repairs up to 30 min, 10 L fuel delivery, hotel subsidy up to ¥15,000 per night—total support after an accident.
Rental-Car Rider
Covers the cost of a replacement car so your daily life keeps moving.
Learn more
Tokio Marine Nichido: up to 30 days for accidents / 15 days for breakdowns, ¥5,000–10,000 per day.
Sompo Japan: flexible ¥5,000–15,000 (in ¥1,000 steps) and includes breakdowns.
Even long repairs are covered—no disruption to work or family transport.
Zero Deductible Rider
Removes your out-of-pocket deductible after a collision.
Learn more
Covers the standard deductible when your car collides with another vehicle.
Tokio Marine Nichido: applies when the other vehicle is identified.
Sompo Japan: available for contracts with fixed deductibles of ¥30k / ¥50k / ¥100k.
Recommended for expensive imports or anyone who wants maximum peace of mind.
Personal Liability Rider
Covers injuries or damage you cause in daily life—cycling, kids’ mishaps, and more.
Learn more
Pays if you injure someone or damage property in everyday situations.
Tokio Marine Nichido: unlimited in Japan, up to ¥100 million overseas.
Sompo Japan: similar coverage, both include settlement negotiation services.
Protects the entire family—ideal for households with children.
Frequently Asked Questions
Here are answers to the questions we receive most often.
The biggest advantage is practical, on-the-spot support when an accident or breakdown happens.
A typical insurance agent may struggle to advise whether you should file a claim or pay out of pocket, but
a repair shop can inspect the vehicle and give concrete guidance—e.g., how much the premium will rise if you claim or
whether recycled parts can reduce costs.
Because we handle repairs, insurance, and roadside assistance in one place, you only need to make one call for:
- Towing arrangements
- Transport to our repair facility
- Rental-car arrangements
- All paperwork and negotiation with the insurer (estimates, photos, forms)
In short, think of the repair shop not just as “where you sign the policy” but as “where you make full use of it.”
Yes. Both Tokio Marine Nichido and Sompo Japan include roadside assistance automatically.
If your car is undrivable due to an accident or breakdown, you can receive 24/7 help: on-site troubleshooting, battery jump, tire change, or towing to the nearest garage.
No. Calling roadside assistance is not treated as an at-fault claim, so your no-claim discount and premium will stay the same.
(If the vehicle is damaged and you file a collision claim, that accident may affect your premium—contact us if you are unsure.)
JAF members get 15 km of free towing; after that it’s about ¥720 per km.
With Tokio Marine Nichido and Sompo Japan, towing is covered up to ¥150,000 (≈150 km) at no cost.
If the car is taken to an insurer-designated repair shop, towing is free even at that limit—far more generous than JAF.
Your current policy can be transferred to the new vehicle by submitting a change request (no cancellation fee).
Coverage begins for the new car only after the change is processed, so please contact us as soon as you purchase the vehicle.
The Legal-Expenses Rider pays attorney fees if you need legal help after a traffic accident or other covered incident.
Tokio Marine Nichido: “Automobile Accident” type—covers lawyer fees up to ¥3 million for traffic accidents.
Sompo Japan: choose “Automobile Accident” or “Daily & Traffic Accident”; both cover up to ¥3 million and also include bicycle and daily-life incidents.
Premiums are unaffected, and the insurer handles payment directly to the lawyer.
Yes. If the repair cost is small, paying out of pocket can be cheaper in the long run. Filing a claim usually lowers your no-claim discount, so your premium will rise for the next three to five years. In other words, a minor repair may cost less than the total premium increase you would face by claiming it.
When in doubt, contact us—we can compare the repair estimate with the projected premium hike and advise you which option makes the most sense.
Standard auto insurance does not cover bicycle accidents. However, adding the
Personal Liability Rider extends coverage to daily-life incidents—such as injuring someone while cycling.
Tokio Marine Nichido: unlimited coverage in Japan, up to ¥100 million overseas.
Sompo Japan: comparable limits with settlement negotiation included.
The rider protects your whole family and is especially recommended for households with children.
*In auto accidents where you injure another party, the compulsory liability coverage still applies.
Time to Review Your Car Insurance?
Choosing an insurer means choosing a partner you can truly rely on when “what-ifs” happen.
Let us audit your current policy—or help you switch—so you’re fully protected.