National Federation of Fire Insurance Co-operatives for Small Business (Nikkaren)

Major Services	Incidental Liability Insurance Only	Services for JAF members
Cost of parts and consumables	Self-coverage	Nikkaren will cover up to 7,000 yen of the cost. ^*1
Towing and transport	Free of charge up to 150,000 yen.^*3	Free of charge up to 150,000 yen.^{2, 3}
Flat battery	△ Limited usage^*4	○ Unlimited usage
Fuel outage (gasoline / diesel)	△ Limited usage^{4, 5}	○ Unlimited usage
Free refueling for fuel outage ^*6	Once per insured period^*5	Twice per insured period^*5
Locked out	○ Covered	○ Covered
Replacing flat tire with spare tire	○ Covered	○ Covered
Emergency repair for flat tire	× Not covered (except emergency repair using on-board toolkit)	○ Covered
Attaching / detaching snow chains	× Not covered	○ Covered
Pulling stuck vehicles from snow or mud, etc.	△ Partially covered^{5, 7}	○ Covered
Accidents / failures caused by natural disasters	△ Partially covered (earthquakes, irruptions, and tsunamis not covered)	○ Covered

*1The cost of parts and consumable for emergencies is only covered once per insured fiscal year. Covered only by calling the help desk in advance.
*2Excludes range of free coverage for JAF members.
*3The limit is the total cost of towing and emergency repair. Free coverage of up to one million yen for some types of vehicles such as large vehicles, with a special policy.
*4Limited to three times per mutual aid insured period for flat battery and once for fuel outage.
*5Applicable only when the help desk is notified by phone in advance.
*6Up to 10 liters at a time. Up to 20 liters for some types of vehicles such as large vehicles, with a special policy. Covered only by calling the help desk in advance.
Does not cover fuel outages at home or other parking locations deemed equivalent.
*7For snow-covered roads only, and applies only to cars using studless tires or snow chains.
*As of April 2025.

◆Notice◆

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

(JAF members will be transferred to JAF with the customer’s consent.)

Some mutual insurance co-operative policies do not cover road service.
Please contact your mutual insurance co-operative for details about your policy.