Contributing to a Safe and Secure Mobility Society

Aioi Nissay Dowa Insurance Company Limited (AD) is one of the leading general insurance companies in Japan and a member of MS&AD Insurance Group. The company was formed in October 2010 through the merger of Aioi Insurance and Nissay Dowa Insurance, but each with a history of over 100 years.

AD aims to be "the company with distinctive character" through the challenges toward the future in contributing to safe and secure mobility society with market leading insurance services in mobility field. AD continues to provide new value by developing unique insurance products and services utilizing advanced technologies.

AD has long and wide range of R&D experiences using new technologies. In 2004, AD launched the very first automobile insurance in Japanese market which is using telematics technology named PAYD, "Pay-As-You-Drive". The premium is calculated based on the actual mileage data collected through Toyota’s first generation on-board telematics device embedded in the vehicle. In March 2015, AD acquired Box Innovation Group Limited (BIG), the major telematics insurance provider, entering into the telematics automobile insurance market in the UK. Also in 2016, AD stepped into US market by establishing Toyota Insurance Management Solutions USA, LLC (TIMS), a joint venture with the Toyota Group. TIMS aims to utilize not only the mileage data but the driving behavior data to provide PHYD, “PAY-HOW-YOU-DRIVE” insurance. In October 2017, AD established AIS Asia (Aioi Nissay Dowa Services Asia Pte. Ltd.) in Singapore focusing on arising ride sharing/hailing business in South East Asia, collaborating with the major ride sharing company.

All above global activities shows AD’s aim to adopt the new technologies in insurance to provide the customers and clients with the better services and to contribute to safe and secure mobility society.　

With an eye to the future mobility society such as CASE and MaaS, AD keeps promoting multi-faceted development globally in order to create new business models based on such advanced technology. AD will also take on challenge to new risks for the future autonomous driving society through the collaboration with our partners and industry-academia alliances.