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Ace Insurance Japan (SAFE DRIVER AUTOMOBILE POLICY)

Ace 24-hour English Assistance

ACE HELP LINE is available to all automobile insurance policyholders.
This telephone service provides assistance by English-speaking
operators for filing a car accident claim 24 hours 7 days a week
(including holidays).
This is the first 24-hour English assistance service in Japanese
non-life insurance industry, and it is toll-free from anywhere in Japan.

Special Clauses and Optional Coverage

  • Lawyer’s Fee
    If the insured suffers loss or damages from an automobile accident or unexpected trouble in Japan and needs a lawyer to negotiate with the other party, ACE will pay for the lawyer's fee, and related expenses up to 5 million yen per accident.
  • Damaged Personal Effects
    With this optional coverage, ACE will pay for personal property (e.g. sporting goods, camera) damaged in an accident (collision, fire or theft).
    This only covers when your personal property, placed in the insured car (including compartment and trunk) or on the roof, was damaged.
    It does not cover a theft of your personal property that was placed on the roof of the insured car.
  • Extra Benefits - Total Loss Only
    If your insured automobile suffers a total loss damage in an accident, ACE will pay an extra benefit up to 10% of physical damage coverage (maximum of 200,000 yen) .
  • Loaner Expense
    If you get a loaner car while the accidental damage of your insured car is repaired, ACE will reimburse you for the actual cost.
  • Accident Ancillary Expenses
    When your insured automobile becomes disabled after an accident, ACE will pay for the following incidental expenses.

    - Temporary lodging expenses (an overnight stay only) at a hotel.

    (Maximum of 10,000 yen per person/per accident)

    - Transportation expenses to your home from the accident site.

    (Maximum of 20,000 yen per person/per accident)

    - Transport or towing expenses to pick up your insured automobile after repairs.

    (Maximum of 50,000 yen per accident)

    - Cancellation expense for canceling reservations (travel, concert, etc.)

    due to the automobile accident.(Maximum of 500,000 yen per accident)

    (Out-of-pocket cost will be deducted)

  • Motorbike (125 cc or less) Accident Liability ACE will cover bodily injury, property damage and own-injury accident caused by you or your family members while driving a motorbike (125 cc or less) for recreational use (including a rented motorbike).
    This coverage is paid in accordance with the conditions of your contract of the insured automobile.
  • Property Damage Excess Repair Expense
    In case the third party’s repair cost excess the market value of the vehicle, ACE will pay the difference between repair cost and market value of the third party’s damaged vehicle with limit of JPY 500,000.
    Note: This special clause must be attached with Property Damage Liability and damaged vehicle should be repaired within 6 months from the date of accident.
  • Protection Against Own-Injury [PAOI]
    When an automobile accident occurs which does not involve any third parties (e.g. hitting a telephone pole), ACE will pay for the loss of life or bodily injury to the owner, driver or passengers of the insured automobile.
    This covers the losses that CALI does not cover.
    In case that Bodily Injury Indemnification is insured, Protection Against Own-Injury will be covered by Bodily Injury Indemnification.
  • Protection Against Uninsured Automobiles [PAUA]
    If you are involved in an accident with an uninsured or under-insured (inadequately covered) car and if you or passengers in the insured car sustain loss of life or residual disability, ACE will pay the insurance benefit.

Insurance Inquiry Call Toll Free

0120-288-467

09:00 to 17:00 except Saturdays, Sundays and Japanese national holidays

L1210248

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