Mitsui Sumitomo Insurance Co., Ltd.

Major Services Incidental Liability Insurance Only JAF + Incidental Liability Insurance
Cost of work and parts exceeding free services
Mitsui Sumitomo Insurance covers up to 4,000 yen*1
Towing and transport
300,000 limit*3
300,000 limit*2, *3
Flat battery ○ Covered
○ Covered
Fuel outage (gasoline / diesel)
△ Limited usage*4
○ Unlimited usage*5
Free fuel for fuel outage*4
Once per insured period*5
Once per insured period*6
Locked out
○ Covered
○ Covered
Spare tire exchange for flat tire
○ Covered
○ Covered
Emergency repair for flat tire
△ Partially covered
(Emergency repair that is possible within 30 minutes using repair kit attached to the vehicle is free of charge)
○ Covered
Attaching and detaching snow chains
Not covered
○ Covered
Pulling stuck vehicles from snow or mud, etc.
Not covered
○ Covered
Accidents / failures caused by natural disasters
△ Partially covered
(earthquakes, eruptions, and tsunamis not covered)
○ Covered
  • *1Excluding fuel costs.
  • *2Excluding free services for JAF members.
  • *3Full coverage of towing charges up to 300,000 yen on road service insurance rider or 10% of the amount of vehicle insurance, whichever is higher.
  • *4Once each per insured period.
  • *5Maximum 10 liters per fuel outage. Costs for fuel outage at vehicle storage locations such as residence parking or the equivalent are the responsibility of the customer.
  • *6Fuel charges will apply when the amount of free fuel service is exceeded.
  • *As of January 2023.


When requesting help, please call your auto insurance company's contact center and tell them that you are a JAF member.

(JAF members will, in principle, be passed on to JAF with the customer’s permission.)

  • Some auto insurance policies do not include road service.
  • Please contact your auto insurance company with any questions about insurance policies.

JAF vs Insurance