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
△ Limited usage*4
○ Unlimited usage
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
Spare tire exchange for flat tire
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. Excludes fuel outages at vehicle storage locations such as residence parking or the equivalent.
  • *6Fuel charges will apply when the amount of free fuel service is exceeded.


When requesting help, please call your auto insurance company’s contact center.

(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