In recent years, the number of fatalities resulting from traffic accidents has been on a decreasing trend. As yet there are more fatalities among people 65 or older than those under 65, and the elderly have accounted for an increasing number of traffic fatalities over the past 10 years. About half of the traffic fatalities are pedestrians or cyclists, a high percentage in comparison to major Western countries.
In addition, the number of traffic accidents resulting from the use of mobile phones while driving has been on the increase in recent years. In 2019, the Road Traffic Act was revised to strengthen penalties for using a mobile phone while driving. Mindless of inattentive driving, improper vehicle operation, and failure to confirm safe operating conditions can all be prevented by eliminating inattention and complacency.
It is said that the automobile industry enters a period of major change once every 100 years. While progress is being made in autonomous driving technology and in the development and demonstration of new transportation infrastructure such as MaaS, the MS&AD Insurance Group is participating in research and collaborative efforts with other industries and government organizations to develop new insurance products and services that respond to this new technology, providing knowledge accumulated as an insurance company. We are also working to reduce traffic accidents and ensure that all people have access to comfortable mobility by providing insurance products and services that support safe driving using telematics technology and smartphones.

(★) link is "Japanese only"

Providing Services to Prevent Accidents and Initiatives to Support New Mobility Services

Identifying and then avoiding the risks that lead to accidents is vital for preventing traffic accidents. We are promoting the prevention of accidents by visualizing the factors that lead to preventing traffic accidents and providing services that support safe driving. In addition, in order to disseminate and promote new mobility services such as MaaS, we are conducting research and demonstration experiments for implementation in cooperation with various organizations.

<Principal approaches>

Insurance for automobiles with onboard dashcams

In January 2019, we introduced “Observe and Protect Automobile Insurance (Dashcam Type),” an insurance product that utilizes the latest telematics technology in dedicated dashcams outfitted with proprietary communications functions to support safe driving by customers. These drive recorders offer video recording functions, and we provide safe driving assistance alerts that call drivers’ attention to driving conditions as well as a guardian service that share information including driving tendencies with family members and others living apart from the driver. If the drive recorder detects a major collision, information about the accident site and other relevant information will be relayed to a dedicated safety confirmation desk, and an operator will contact the customer to offer advice on initial responses to the accident.


GK Mimamoru (MSI) (★)


Providing applications that support safe driving

We provide a variety of services that utilize smartphone apps, and telematics technology with connected drive recorders for greater security and safety
*Please see the official websites and news releases of the pertinent companies for further details.


We offer apps that provide support for safe driving diagnoses, accident prevention, safe driving, and claims handling (accident response) in the unlikely event of an accident for corporate and individual customers

FOUR SAFETY (Support service preventing the use of mobile phones while driving) (MSI)(★)
Suma-Ho (MSI) (Japanese only)“F-Dora” drive recorder/telematics service for fleet policy holders (MSI)(★)
Providing a “driving skill improvement training app” (ADI)(★)
Sapo NAVI (ADI)(★)
Biz Safety (ADI)(★)
Mitsui Direct General App (Mitsui Direct General)(★)


Providing “safe driving seminars utilizing VR (Virtual Reality)” (InterRisk)(★)
A collection of tips for safe driving tied to disaster prevention and reduction (MD)(★)

Collaboration and provision of products and services to support R&D for next-generation mobility services

A number of local governments and companies are considering new mobility services such as MaaS* to provide more flexible and convenient travel experiences and to address local transportation issues. In order to support the spread and promotion of new mobility services, we are working to provide products and services in cooperation with local governments and the businesses that operate these services.
(*) MaaS... an abbreviation for “Mobility as a Service.” Providing “mobility” as a service in transportation infrastructure


<Examples of MSI Approaches>
Support for smart mobility initiatives (Mirai Share)(★)
Collaborative efforts regarding “MaaS x Insurance” (Odakyu Electric Railway)(★)
Participation in demonstrations of shared taxis using AI (Ina city)(★)
Business alliance with Volocopter GmbH regarding “flying car” business


<Examples of MSI & InterRisk Approaches>

MaaS joint initiative utilizing low-speed mobility (Yamaha Motor)(★)
Ride-sharing demonstration experiment using demand transportation(★)
Joint efforts toward the realization of a society with “zero accidents involving elderly drivers” (Sabae city)(★)

<Examples of ADI Approaches>
Special joint research regarding MaaS with Kagawa University(★)
Co-creation initiatives to realize “safe and optimal driving routes” (OPTIMIND Inc.)(★)
Demonstration experiment using Ha:mo RIDE driving data (Toyota city)(★)
Collaboration on technical verification of new mobility services using location information (East Japan Railway Company)(★)
Capital alliance with SYNQA regarding utilization of payment platform(★)
Capital alliance with Joby Aviation regarding “flying car” business(★)


<Examples of ADI & InterRisk Approaches>

Demonstration experiment of “Japan’s first symbiotic MaaS,” combining transportation sharing between residents and buses/taxis, etc. (OMRON SOCIAL SOLUTIONS Co., Ltd., Maizuru city)(★)

Providing Insurance Products and Related Services to Realize a Comfortable Mobility Society

With the growing number of cars employing autonomous driving technologies that is causing changes to our mobility society, we are utilizing telematics technology to gather and analyze customers’ driving practices and then providing customers inside and outside Japan with insurance products that lead to safety driving and fewer accidents in addition to insurance products for reducing economic burden on customers, which meet a variety of other needs.

<Principal Products/Services>

Telematics-based Automobile Insurance

Voluntary automobile insurance that provides “incentives for safe driving (discounts)” and “services that lead to safety and security” based on travel data obtained through telematics technology.

We support safe driving based on the concepts of “profit gain,” “enjoy,” and “watch.” In the event of an accident, we support customers with our “telematics claims service” and claims handling (accident response) service “I’m ZIDAN,” which is available 24/7.
Overseas sales of telematics insurance, which reflects driving behavior, started in the United States and Thailand (for Thailand, it was the country’s first fully fledged driving behavior telematics insurance), and we are promoting the provision of insurance products utilizing telematics globally


TOUGH Connected automobile insurance(★)
TOUGH Mimamoru automobile insurance plus(★)
US: Development of telematics insurance, which reflects driving behavior(★)
Thailand’s first telematics insurance, which reflects driving behavior, launched(★)

Automobile insurance for car-sharing companies

Amidst the diversification of car usage patterns, we are developing and providing automobile insurance for car-sharing service providers to ensure that both individual car-sharing users and vehicle owners can participate in car-sharing without any concerns nor omission of compensation.


Developing “automobile insurance for car share platforms” (MSI)(★)
Launch of one-day automobile insurance “one-day supporter” for C2C car-sharing companies (ADI)(★)

Claims handling (accident response) using telematics technology

The system grasps the details of an accident by analyzing accident videos, driving routes, driving behavior, and other information acquired by vehicle-mounted devices such as drive recorders at the time of impact detection. This reduces the burden on customers and enables smoother claims handling (accident response).


Introduction of a system in which AI automatically explains the details of an accident from drive recorder images (MSI)(★)
“Telematics claims service,” a claims handling (accident response) service using telematics (ADI)(★)

[External Evaluation]

Toyota Insurance, which is managed by European subsidiary Aioi Nissay Dowa Europe and the German branch of Toyota Insurance Management, ranked 1st for the 7th consecutive year and 9th year total in the annual dealer satisfaction survey of automobile brand insurance conducted by Germany’s largest automobile and sales dealer magazine “Autohaus”