Target 3.6 of Sustainable Development Goal 3 reads: “By 2020, halve the number of global deaths and injuries from road traffic accidents.” We have already witnessed such changes in mobility as the spread of electric vehicles (EVs) and an increase in the number of automobiles equipped with driving safety support systems and other self driving technologies. Given the development of car sharing on the back of both technological advances and lifestyle changes, the MS&AD Insurance Group endeavors to make group-wide efforts to realize convenient access to mobility for all people as well as provide services that contribute to the prevention of accidents.

Key SDGs and Our Targets

We will contribute to mobility society without accidents through the provision of products and services including risk management measures for preventing accidents and realizing a safe road traffic environment.

Ensure healthy lives and promote well-being for all at all ages

3.6 By 2020, halve the number of global deaths and injuries from road traffic accidents.

Make cities and human settlements inclusive, safe, resilient and sustainable

11.2 By 2030, provide access to safe, affordable, accessible and sustainable transport systems for all, improving road safety, notably by expanding public transport, with special attention to the needs of those in vulnerable situations, women, children, persons with disabilities and older persons.

Business of MS&AD

Visualizing risks for preventing accidents


Sleep Apnea Syndrome (SAS) Check


Driving Aptitude Diagnosis

Providing measures to prevent accidents


Risk management

Providing products and services


Automobile Insurance for 1 Day


Automobile insurance by utilizing telematics technology

Identifying Risks and Providing information on Risks

Risk Management for Accident Prevention

To prevent traffic accidents, it is important to avoid risks which may result in an accident in advance. The MS&AD Insurance Group will contribute to local safety through visualization of factors that can contribute to traffic accident preventions and services that support safe driving.

Service for Checking Indication of Sleep Apnea Syndrome (SAS)

MSI provides its company-oriented Sleep Apnea Syndrome (SAS) Indication Check Service that enables checking the status of snoring, a symptom of SAS, through a smartphone app. Employees record and analyze their snoring pattern with the smartphone app, and then the service provides a report on the results to managers of the company. SAS is said to be a cause of progression of atherosclerosis, myocardial infarction and brain infarction, and the typical sleepiness caused by SAS may result in a fatal traffic accident. Through this service to support countermeasures against SAS of company employees, we contribute to the safety and health of employees and support the safety of local communities at the same time.


Application screen
Application screen

Provision of Apps that Supports Safe Driving

Through free smartphone apps, MSI, ADI and Mitsui Direct General are providing various services that lead to security and safety. Going forward, we will expand information and functions that will be useful for spreading prevention of accidents and safety driving.


Suma-Ho (Smartphone) “Driving Ability” Diagnosis Function

  • Function to give audio advice before driving based on driving characteristics and provide diagnosis after driving based on analysis results
  • Driving recorder function to record and check videos at dangerous driving locations
  • Function to provide audio warning when approaching locations where numerous accidents have occurred
  • Function to deliver the key points of safe driving based on weather information
  • Function to provide "Animal Alert" when approaching locations where many accidents involving animals have occurred (only for limited regions)

Other Suma-Ho (Smartphone) Functions

  • Navigation on necessary steps such as how to get a solution or an access to a road service provider at the event of car accident or car trouble.
  • Function that enable a driver to send photographs to an insurance company at the time of a car accident, and to check the status of insurance coverage processed at an insurance company.
  • Function enabling checking driving aptitude through a simple game


  • Function to analyze and diagnose the driving characteristics of drivers and provide advice
  • Driving recorder function to record and check videos at dangerous driving locations
  • Function to verify the status of the person coming to assist drivers when using roadside assistance
  • Accident Emergency Information Service by which specialized operators make requests for police or fire departments in lieu of drivers

Mitsui Direct General App
(Mitsui Direct General)

  • Function to provide one-touch communication with an accident reception center or a road service center
  • Function to detect sudden braking or collision and automatically record and save scenes before and after it
  • Function to diagnose appropriateness of driving including acceleration, slowdown, handling stability, etc.
  • Function to analyze and diagnose the driving characteristics and make strengths, weaknesses and the driving characteristics visible
  • Function to check understanding of traffic jam by solving questions



Provision of MACS-V (Corporate Vehicle Risk Management Evaluation)

MS&AD InterRisk Research & Consulting, Inc. has been providing MACS-V (Corporate Vehicle Risk Management Diagnosis) to corporate clients using automobiles in their business activities since August 2017. MACS-V is a tool for evaluating the degree to which automobile risk management systems have been established.

As a new version of our conventional basic automobile risk management system diagnosis tool (Basic Diagnosis), it has been improved by the addition of services for diagnosing the present operational status (Specific Diagnosis) and advice for clients who wish to newly focus on G-mark certification, transportation safety management systems, and ISO 39001.

For transportation companies: We offer a “Support Plan for Vehicle Operation Management Using a Physical Condition Checker”

In July 2018, MS&AD InterRisk Research & Consulting launched a new service for transportation companies called “Support Plan for Vehicle Operation Management Using a Physical Condition Checker.” The service helps companies collect data using a fingertip sensor that measures the autonomic nervous system.

Given the recent social issue of traffic accidents being caused by driver health problems, transportation companies are under greater pressure to ensure that their drivers are in good health, provide them with reminders, and make real-time determinations on their ability to drive safely before they leave the yard. It is by no means easy to precisely understand the physical condition of drivers, however, and the reality is that such health checks and reminders are given at the discretion of the operation manager. In response to this situation, we help transportation companies manage operations in view of the physical condition of their employees by collecting quantitative data using a device called “Lifescore Quick” that obtains physical condition data from a fingertip sensor. The device (a mental balance check system consisting of a fingertip pulse wave sensor and a tablet) is made by WINFrontier Co., Ltd. This device allows employers to objectively check the condition of their drivers and consider specific accident prevention measures based on the results. Going forward, we will continue to endeavor to prevent accidents through our services.

Efforts to Prevent and Reduce Traffic Accidents by Utilizing "Accident Map"

Accident map
Accident map

MSI, in cooperation with MS&AD InterRisk Research & Consulting, makes use of accident data from external institutions(*) to analyze and identify locations where accidents frequently occur, and summarizes the information as a “Map of Locations with Frequent Accidents” for all cities and wards across Japan. This map provides a wide range of information useful for prevention of accident, including the most common type of accidents and specific preventive measures against accidents, as well as a map of locations with frequent accidents.


(*) Data on locations where accidents frequently occur (nationwide) from the Institute for Traffic Accident Research and Data Analysis is used.

Joint Research with Gunma University on Pilot Programs for Next-generation Mobility

In December 2016, ADI entered into an industry-academia collaboration agreement with Gunma University, a national university corporation, to conduct research for the implementation of next-generation mobility. A joint research project conducted under the agreement commenced in April 2017. We will proceed with our joint research to contribute to “the realization of secure and safe motoring” through technological development and demonstration tests toward the development of insurance products designed exclusively for a self-driving car and the establishment of claims adjustment procedures for accidents involving a self-driving car.

Awareness Survey on self-driving cars and Launch of New Products

MSI, ADI, and MS&AD InterRisk Research & Consulting have jointly conducted a consumer awareness survey on autonomous vehicles and testing on public roads since 2016. Our aim is to sophisticate our products and services by understanding consumer awareness around self-driving cars and their social acceptance. Compared with previous survey results, we have recently found that an increased number of respondents continue to expect commercial application of autonomous driving technology—and a reduction in traffic accidents—and the number of people responding favorably to testing performed on public roads has also increased. Meanwhile, some respondents were concerned about the possibility of accidents attributable to self-driving technology, as well as the performance and security of self-driving cars, etc.

In response to these concerns, MSI and ADI developed the “Special Contract of Cost for the Relief of the Victim of Accidents Involving Unauthorized Access, Vehicle Defects, etc.” and other new products, which were launched in January 2018. Going forward, the MS&AD Insurance Group will continue to contribute to the realization of secure, safe, and comfortable driving through the provision of products and services.

Participation in Consortium for the Community-based Automated Transportation Service Business Initiative

ADI is a member of the Consortium for the Community-based Automated Transportation Service Business Initiative (“the Consortium”) established on August 29, 2018 by the Japan Research Institute, Ltd.

Toward the realization of transportation services using self-driving cars, the Consortium will consider the specifications required of systems and proposed business models in addition to those of vehicles for their practical use in society.

By joining the Consortium, we will endeavor to support efforts for regional revitalization via implementation of transportation services using autonomous vehicles, and contribute to the realization of secure and safe motorized transportation by quickly and accurately responding to new risks inherent to autonomous vehicles.

Our Overseas Initiatives (Hawaii, U.S.A.)

DTRIC Insurance Company, Ltd. (“DTRIC”) is a non-life insurance company based in the US state of Hawaii. It became a wholly owned subsidiary of ADI in June 2017. In 2016, it launched a campaign to promote safe driving in Hawaii. Through its “Drive Aloha” campaign, DTRIC has implemented awareness programs for drivers of automobiles and bicycles and pedestrians as well as educational programs, including on how to drive safely and how to walk safely on the road. Furthermore, DTRIC contributes to the community by offering an advanced insurance product covering damages arising out of cyber risks, the first of its kind to be offered in Hawaii, along with its automobile insurance and fire insurance. DTRIC received a letter of appreciation from the Governor of the State of Hawaii in August 2017 for these highly acclaimed activities.

Preventing Risks from Being Realized / Reducing the Impact of Risks

Risk Mitigation Effort

MSI makes efforts for risk management and other risk mitigation based on its ample know-how related to loss occurrence risks. The Group as a whole supports risk prevention in the global environment as well as in Japan.

Discount of Automobile Insurance Premiums as the Reward for Attending Safety Training

MSI launched its special policy clause for Bisiness Management in January 2018. As one of the notification matters, an item was created to confirm attendance of the transportation Safety Management Certification Seminar (certification seminar*1) promoted by the Ministry of Land, Infrastructure and Transport, and MSI provides a 3% discount on insurance premiums for transportation business operators who have a history of attending certification seminar within the last three years. The provision of this clause will lead to prevention of serious accidents and their recurrence. It will do this by supporting the further adoption of the transportation safety management system (*2) and promoting continuous safety efforts including corporations' voluntary establishment of a safety management system or utilization of the PDCA cycle.

(*1) The certification seminar is a seminar provided by private institutions mainly to medium- or small-sized transport business operators based on curriculums certified by the Ministry of Land, Infrastructure and Transport. Our group company MS&AD InterRisk Research & Consulting was also certified as an implementing agency for this certification seminar.


(*2) The Transportation Safety Management System is a system to promote efforts for better transportation safety, and was established in October 2006 in response to increased accidents caused by human errors at transport business operators.

Safety Driving Support Service Utilizing Telematics Technology

We provide a service supporting companies’ safe driving initiatives, and strongly supports vehicle driving management and accident mitigation initiatives of the customers of companies.


Main function etc.

“Suma Navi”


・Safety driving support service utilizing telematics technology

・“Driving Ability” diagnosis for employees utilizing a smartphone app

・Diagnosis results summary and analysis results feedback for company managers

・“Training Video Creation Service” enabling simple creation on the internet of training videos for internal training using clips of dangerous driving by employees

・“Company Vehicle GPS Service” enabling understanding location information of company vehicles

・Fleet contract discount service depending on initiative results

Logo and Report

Sasaeru NAVI


・Launched the “Accident Mitigation Support Service for Fleet Contract Customers Utilizing Telematics Technology*” in April 2016
・Added the “Lite” version to the lineup for customers with simple, lower priced driving management support needs in April 2018, and implemented support for customers of all industries and business conditions

*Accident mitigation support service that combines the “Safety Driving Support Service” that utilizes drive recorders, with our original “Safety Driving Consulting Service” based on dangerous driving data


Biz Safety


・“Accident Mitigation Support Service for Business Customers Utilizing Telematics Technology” realized to minimize costs of data transmission and others through utilization of our smartphone apps and equipment
・Support for needs for utilizing telematics technology for vehicle driving management, safety driving guidance, etc.

Accident mitigation service for companies


・Accident mitigation support service for corporations utilizing telematics technology launched in August 2017 by Aioi Bangkok Insurance PCL (ABI), the Thai subsidiary of ADI, in cooperation with Thai Yazaki Network Service Co., Ltd. (TYNS), the Thai subsidiary of Yazaki Energy System of Yazaki Group

・A safety driving consulting service (*2) using TYNS's cutting-edge communication-type digital tachograph (service name: iQsan) (*1).

(*1) iQsan (Ikkyu-san)....The product name of a cloud-based digital tachograph developed for the ASEAN region in which wide-area communication capabilities are embedded. The Japanese animation “Ikkyu-san” is very popular in Thailand, which is a Buddhist country, and this product name is derived from the image of Ikkyu-san's intelligence.

(*2) Provided by InterRisk Asia (Thailand) Co., Ltd., the Thai subsidiary of MS&AD InterRisk Research & Consulting, Inc.

Accident Prevention Services Suitable for Traffic Conditions in Asian Countries

Since December 2016, MSI, ADI and MS&AD InterRisk Research & Consulting, Inc. have been providing ARM (Automotive Risk Management). This is a new accident prevention service to improve driving skills and manners, for the purpose of preventing and reducing traffic accidents in Asia. Due to rapid motorization, Asia has experienced an increase in traffic accidents and casualties due to them, leading to increasing needs mainly from corporate customers for support for accident prevention efforts. In order to meet such customer needs, this service was developed as a new accident prevention service suitable for traffic conditions and accident characteristics in each Asian country. It was created by leveraging the know-how in accident prevention services for corporations (driving aptitude diagnosis, danger prediction training, etc.) cultivated in Japan. The MS&AD Insurance Group will continue contributing to safety driving education and accident prevention as the leading company in the non-life insurance industry in Southeast Asia.

Safe Operations Support Service for Domestic Vessels Utilizing Smartphones

Since April 2017, MSI has been providing "SIGNAL", a safe operation support service for domestic vessels utilizing smartphones in partnership with Weathernews Inc. This service alerts domestic vessels sailing in rough water with sound or e-mails via dedicated smartphones provided by Weathernews. It also gives forecasts of atmospheric or marine weather or shows videos of waters around the vessel on a dedicated website. This helps prevent accidents and can also be used by vessel operators to choose safe routes. MSI will continue supporting customers' safe vessel operations and contributing to the prevention and mitigation of maritime accidents.


Campaign for Education in Safe Driving

Business companies of the MS&AD Insurance Group are practicing activities or creating tools leading to education in safe driving, aiming for an accident-free society.

The “Mitsui Direct General Smile Fund” Supporting Safety Driving

Mitsui Direct General began implementing the Mitsui Direct General Smile Fund in July 2014. Customers with automobile insurance, motorcycle insurance, and driver insurance contracts vote for the organization they would like to support once per month, and a donation is made to each organization based on the vote ratio. The system reflects the opinions of customers without accidents more strongly, such as by counting the votes of those without accidents during the period by 10 times more. This fund has created with our customers a structure of social contribution based on a new concept in which safety driving, which was previously only common sense, supports others.

Provision of Safe Driving Educational Tools

MSI and ADI are supporting prevention and mitigation of damage from traffic accidents by providing safe driving educational tools for elderly drivers and children. We also focus on efforts for preventing bicycle accidents, which have been increasing recently.

Magokoro Drive (brochure) and Kuruma Torikku (web-based content) (MSI)

This tool focuses on weakening eyesight, one of the causes of traffic accidents by senior drivers. This supports safe and secure car life by enhancing understanding of visual depth perception, a visual ability to perceive the world in three dimensions that weakens with age.

Picture Book about Prevention/Decrease of Traffic Accidents (ADI)

White bear father and his child Toughy & Happy, the mascot characters of ADI's product brand TOUGH, deliver messages to children for preventing/mitigating traffic accidents by depicting the happy everyday life of Toughy & Happy with the theme of the importance of observing traffic rules.

Effort for preventing bicycle accidents

With the increase in serious accidents caused by bicycles, there are greater needs for safe bicycle riding. We are making efforts to prevent bicycle accidents by providing information required for a safe bicycle life including rules for riding a bicycle and know-how for bicycle maintenance, as well as applications and tools leading to safe bicycle riding.

Suma-Ho Anshin Cycle

  • When the cyclist's speed exceeds the preset speed, the application notifies the rider with a sound or vibration.
  • Functions for locating bicycle shops with a bicycle safety mechanic, and supporting for inspection and maintenance
  • Navigation function for appropriate actions to take in case of an accident or theft
  • Function that shows on a graph the travel distance, number of times the preset speed was exceeded, and calories burned at the end of the trip

Portable card for bicycle users(MSI)

  • Business-card-sized portable card showing a contact information of the card holder in case of communication difficulty due to an accident, a bicycle maintenance check list, and actions to be taken when an accident occurs.

Safety bicycle riding seminar (MSI, ADI, MS&AD InterRisk Research & Consulting)

  • Safety bicycle riding seminar provided by MS&AD InterRisk Research & Consulting
  • Comprehensive seminar covering a wide range of topics from environments surrounding bicycles to the reality of accidents and key points for safe riding
  • Rental of DVD explaining key points for safe bicycle riding

Reducing the Economic Burden When Risks Become Real

Automobile Insurance for 1 Day

"One-day Insurance" logo
"One-day Insurance" logo

MSI and ADI have provided One-day Insurance (MSI) and One-day Supporter (ADI). People who do not own a car can buy the insurance for one day when they drive a borrowed car. We will continue developing products and services that contribute to safety and security by reducing accidents caused by uninsured cars.

Automobile Risk Management Services to Corporate Customers

MSI, ADI, and MS&AD InterRisk Research & Consulting provide to corporate customers various effective programs and solutions to prevent and decrease accidents.
In addition, we invite automobile transportation business operators to the “Transportation Safety Management Seminar” (certification seminar) for which MS&AD InterRisk Research & Consulting was certified by the Ministry of Land, Infrastructure and Transport as an implementing agency. In FY 2017, the seminar has been held 145 times with 6,578 participants.

Automobile Insurance Utilizing Telematics Technology

We work on supporting safety driving of corporate employees based on individual driving information collected by using telematics technology, which combines telecommunication and informatics.

“Observe and Protect Automobile Insurance” that Not Only Protects Drivers But Also Provides Peace of Mind to Family Members Watching Over Them

MSI and ADI jointly developed automobile insurance not only for drivers themselves but also to provide peace of mind to family members who are watching over them, and began offering it in January 2018. Through provision of advanced services utilizing the latest telematics technology, together with supporting safety driving by drivers, we also provide peace of mind through notification of driving tendency information every month to family members who are watching over the drivers but are living away from them.

Specifically, we provide automobile insurance along with other services, such as a service to support safe driving while actually driving that includes safe driving support alerts through the use of on-board devices and smartphone apps as well as caution alerts when the car is being operated in reverse on a highway, and a service that confirms driver safety if the on-board device detects impact from an accident.


In addition, because of the recent frequent occurrence of serious accidents due to reckless driving, awareness has been widely raised of protecting driver safety through the visualization of accident conditions through drive recorders. Against the backdrop of this social environment, we will launch our “Observe and Protect Automobile Insurance (Drive Recorder Type)” that utilizes drive recorders with new transmission functions from the initial contract term of January 2019. Through utilization of drive recorder video and the latest telematics technology, this product enables precise understanding of accident conditions and provision of concrete advice to customers. In addition, we provide services supporting safety driving by customers, including transmitting alerts when there is detection of driving that could easily cause accidents. By supporting the “car life” of customers, the MS&AD Insurance Group contributes to realizing a society with security and safety.

Launch of the “Tough Connection Automobile Insurance,” the First Domestic Telematics Car Insurance that Reflects Driving Conduct

Based on driving data acquired through cutting-edge telematics*1 technology for Connected Cars*2 developed by Toyota, ADI developed Tough Connection Car Insurance, the first automobile insurance in Japan that reflects the extent of safety driving in insurance premiums each month, and launched it from the initial contract term of April 2018. Through the development and provision of telematics automobile insurance that utilizes big data on cars, ADI contributes to the realization of a car society with security and safety.


(*1) Vehicles equipped with a navigator that can acquire driving data determined by ADI, as well as an internet connection function

(*2) Coined word combining “telecommunications” and “informatics” that refers to a structure that can provide various information and services by using on-board devices such as car navigators and GPS and mobile communications systems

Bicycle Insurance “Net de Hoken@Cycle,” “Bycle” & “Bycle Best”

With a court decision calling for heavy reparations for bicycle accidents and the trend of local governments enacting an ordinance to encourage insurance policies, social needs for buying insurance policies appear to be rapidly increasing. In response to such needs, the MS&AD Insurance Group sells insurance for bicycles through its business companies.
MSI sells “Net de Hoken@Cycle,” whose procedures can be completed online so customers can easily buy insurance policies.
au Insurance sells “Bycle,” “Bycle Best” and “Bycle S.” They offer reassuring and adequate trouble support also for events other than accidents.
We will continue providing products and services to meet customer needs as we aim to help create a safe and secure bicycle society.