Basic Insurance (included with every car)
Every rental includes the insurance below. In the event of an accident, claims are paid up to these limits.
| Personal injury (other people) | Unlimited per person (includes Japan's compulsory automobile liability insurance) |
|---|---|
| Property damage (other people's property) | Unlimited per accident (includes Japan's compulsory automobile liability insurance) |
| Vehicle damage (the rental car) | Market value per accident, with a ¥50,000 deductible (excess) |
| Personal injury of driver & passengers | Up to ¥10,000,000 per person |
· The deductible (excess), and any loss exceeding the insured amount, is paid by the customer.
· No insurance is paid for accidents that fall under the policy's exclusions. Insurance may also not be paid if there is no police accident report, so please always call the police (110) after an accident.
Three Optional Coverage Options
These are optional — you decide whether to add them. The combination you choose determines how much you would pay out of your own pocket if something happens.
- Waives the ¥50,000 deductible (excess) you would otherwise pay
If you book with an internet discount rate or a travel agency coupon, joining this option is a condition of receiving the discounted rate.
- Waives the NOC (Non-Operation Charge) explained below
Add this together with ① and the total is ¥2,000 per day. If an accident happens, you pay nothing at all — no deductible and no NOC (only when the other party involved can be identified).
- Applies to single-vehicle accidents (no other party) and hit-and-run damage where the other driver cannot be identified
If repair costs are within ¥50,000, the market-value amount is charged. Accidents caused by a traffic violation are not covered, and towing charges are not covered.
NOC (Non-Operation Charge) amounts
NOC is a charge used by rental car companies throughout Japan. If the car needs repair after an accident, it cannot be rented out during that time, and NOC covers part of that lost business. It is a fixed amount, regardless of how serious the damage is or how long the repair takes. These amounts are tax exempt. The same NOC applies to all vehicle classes. If you add ② NOC Coverage, you do not pay this at all.
| Situation when the car is returned | NOC (all vehicles) |
|---|---|
| The car can still be driven and is returned to the agreed branch (per accident) |
¥20,000 |
| The car cannot be driven and is not returned to the agreed branch | ¥50,000 |
| The car can still be driven but is not returned to the branch (e.g. left on the roadside) |
¥50,000 |
NOC is not charged in the following cases:
Flat tyre repair / damage to or loss of a wheel cap / lost key / lost remote key / towing charges / theft of the car navigation unit
What you pay, by combination
This is the part worth reading. Adding ① and ② together costs ¥2,000 a day and removes your out-of-pocket cost entirely.
| What you add | Per day | What you pay if an accident happens |
|---|---|---|
| ① CDW only | ¥1,650 | The ¥50,000 maximum deductible on property and vehicle damage is waived. You still pay the NOC. |
| ① CDW + ② NOC Coverage | ¥2,000 | Both the ¥50,000 deductible and the NOC (up to ¥50,000) are waived. You pay nothing at all — but only when the other party involved can be identified. |
| ① + ② + ③ Vehicle Damage Coverage | ¥2,550 | Also covers single-vehicle accidents and hit-and-run damage. Even then, the most you would pay is ¥50,000. |
· ①②③ are tax included. NOC amounts are tax exempt.
· "Only when the other party involved can be identified" means: if you have a single-vehicle accident, or the other driver leaves the scene and cannot be found, ① and ② alone may not remove your cost. Option ③ is what covers those cases.
Key Terms Explained
Deductible (excess)
The amount you pay out of your own pocket after an accident, before insurance covers the rest. With us it is ¥50,000. Add ① CDW (¥1,650 / day, tax included) and you do not pay it.
NOC
Short for Non-Operation Charge. While the car is being repaired it cannot be rented out, and NOC covers part of that lost income. ¥20,000 if you can drive the car back to us, ¥50,000 if it has to be towed. Add ② NOC Coverage (¥350 / day, tax included) and you do not pay it.
Unlimited liability
Every car carries unlimited cover for injury to other people and damage to their property (including Japan's compulsory insurance). Injury to you and your passengers is covered up to ¥10,000,000 per person. Damage to the rental car itself is covered at market value with a ¥50,000 deductible.
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Not sure which options you need? Ask us in English on LINE and we will walk you through it.