Driving a Car or Motorcycle on a Daily Basis
(i.e. Your Own Car or Motorcycle)

It is said that Japan is a safe country, but more than 536 thousand traffic accidents result in bodily injury a year(2015).
As traffic rules are different from other countries, drive in Japan may be a little frightening.

Automobile insurance in Japan basically consists of two types: “Compulsory Automobile Liability Insurance (CALI)” and “Voluntary Automobile Insurance”.
*Anyone found driving a vehicle without CALI is fined heavily.

It is mandatory for all vehicles to have CALI, so you will need it when you purchase a car.
In addition to CALI, we strongly recommend purchasing voluntary automobile insurance to cover any damage that exceeds the maximum amount covered by CALI, if you’re involved in an accident.

≪ If You Are Given a Car by a Friend ≫
If you get a car from a friend, it is necessary to confirm whether or not it is covered by CALI.
If not, you have to enroll it in the CALI system.

What is Compulsory Automobile Liability Insurance (CALI)?

*CALI was established by the government with the ultimate purpose of affording redress to victims of traffic accidents. Therefore, there is no difference in coverage and premium rates among general insurance companies.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

What is voluntary automobile insurance?

Generally, most general insurance companies provide insurances such as the following.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

When you wish to obtain a voluntary automobile insurance

Please ask at the car dealer where you purchased your vehicle.
General insurance companies or insurance agents that offer CALI can also provide information.

Before signing a contract, we recommend consulting your acquaintance who is able to understand policy terms and conditions in Japanese.

*A general insurance contract is agreed under certain terms and conditions. Therefore, you need to understand the details of the coverage when you make a contract. Japanese general insurance companies provide their policy terms and conditions only in Japanese.