How To Get Car Insurance In Japan

Getting car insurance in Japan follows a somewhat standardized process. Here's a general guide:

 

Research Insurance Providers: Look into various insurance companies operating in Japan. Some of the well-known ones include Tokio Marine, Sompo Japan, and Mitsui Sumitomo.

Understand Types of Coverage: There are different types of coverage available, including compulsory insurance (Jibaiseki Hoken) which covers personal injury to others and voluntary insurance (nin'i hoken) which covers damage to your own vehicle.

Gather Necessary Documents: You'll typically need your driver's license, vehicle registration, residence card (for foreigners), and any other relevant documents.

Request Quotes: Contact insurance companies either online, via phone, or in-person to request insurance quotes. Provide them with the necessary details about yourself and your vehicle.

Compare Quotes and Coverage: Once you receive quotes from different companies, compare them not just based on price but also on the coverage they offer. Make sure the coverage meets your needs.

Choose a Policy: After comparing, select the insurance policy that best suits your requirements.

Fill Out Application Form: Complete the application form provided by the insurance company. Ensure that all information is accurate.

Pay Premium: Pay the insurance premium either upfront or through installment payments, depending on the company's policies.

Receive Insurance Certificate: Once you've paid the premium and your application is processed, you'll receive an insurance certificate (hokensho). This document serves as proof of insurance and must be kept in your vehicle at all times.

Renewal: Insurance policies typically need to be renewed annually. Make sure to renew your policy before it expires to avoid any coverage gaps.

Optional Add-ons: Consider any optional add-ons or additional coverage that may enhance your policy, such as roadside assistance or coverage for natural disasters.

Review Policy Periodically: As your circumstances change or new features become available, it's a good idea to periodically review your policy to ensure it still meets your needs.

Remember, the process might vary slightly depending on the insurance company and your specific circumstances, so it's always a good idea to directly contact the insurer for detailed information.