About car insurance wrecker service


What is a road service of car insurance?

When you drive a car, you need to be aware of what happens when the car is in trouble. You can go to a place where public transportation is not available, but if you have a car trouble there, you will be unable to go home if you do not have anything prepared.

In Japan, once you bought a car, it was common to join the JAF and prepare for an emergency, but nowadays, the wrecker service for car insurance is substantial, so many people are not joining the JAF. JAF’s first year fee is JPY 5,500, which is the admission fee and annual fee. The average insurance premium for car insurance is 73,000 yen (about 55,000 yen for individual owners), so if you consider it individually, it will be close to 10% of the insurance premium.

When choosing a car insurance, you pay attention to the insurance premium, but if you choose an insurance company with a good service, you can get a discount effect equivalent to 10% of the insurance premium. JAF offers a great service. Here, we are comparing the industry standard of wrecker service, JAF, and car insurance wrecker service. The curator recommends a car insurance wrecker service.

What is Road Service?

What does the car road service offer? As an image, it is a service that will help you when you are in trouble. It is usually not used for emergency and emergency services. Therefore, it is in a troubled state when actually using it, and no matter how much it costs, I have to ask. The troublesome services are generally expensive. It can be understood that there are costs such as business trip fees, technical fees for service staff, and expenses for preparing emergency equipment, but it is high.

Typical car troubles

  1. The battery has run down (accounting for nearly 30% of car troubles)
  2. Tire is punctured
  3. Key lock

If the battery is exhausted, it will cost about 13,000 yen just to restart it. Jumping start is another major recovery method, in which electricity is separated from other cars, but no one can help. The road service offers this cost free of charge. In addition, you can also take off the wheel and pull it up with a tow truck.

Although there is an image of road service only for dealing with car troubles, although car insurance road service depends on the company, it also covers return transportation expenses and accommodation fee when the car is towed. Driving by car from Tokyo to Niigata, the car was damaged. It costs 10,000 yen per person just to get home on the Shinkansen.

The battery can be restarted with a car charger. Most people have mobile batteries for smartphones, but there are mobile batteries for cars as well. You can purchase it from around 5,000 yen, so it’s not a problem if you put it in your car in case of an emergency.

It’s a waste to buy just because of a car battery problem, but since it’s a charger, you can also supply power to your smartphone or PC. It is convenient because it can also be used as a storage battery during camping.

JAF contracts are on the rise

The contract rate of JAF (Japan Automobile Federation), the industry standard for wrecker services, is on the rise. It was thought that JAF would be greatly affected by the expansion of car insurance wrecker services, but the reality is different. There is a reason to choose JAF because the service concept is different in the first place.

As of the end of December 2019, the number of subscribers was 19.62 million. Considering that the number of registered vehicles is 81.8 million, 25% of them are subscribed. The number of dispatches in 2019 is 2.16 million. Simply thinking, 1 out of every 10 subscribers takes care of it once a year, but since the number of attendance is the total number of employees, even if you look at it by person, 1 in 10 people do not use it. .. Since JAF claims to be free of charge for members, there are some people who request services multiple times a year. (Even in the car insurance road service, there were some people who ran out of battery many times a year and ran out of gas many times. Now, the number of times is limited.)

If it is 1 in 10 people in a year, it is once in 10 years if you think about yourself. Even if you contract at the lowest price for 5 years, it costs 40,000 yen for 20,000 yen x 2. The manager thinks that it is better to use the actual cost (road service of car insurance) in an emergency if you pay the 40,000 yen subscription fee.

JAF provides services to people
Although car insurance is only available for contracted vehicles, JAF offers services to people. Unlike the car insurance road service that covers only one contracted vehicle, JAF also provides services for renting a car, working car, owning multiple cars, and while riding. The feature is that the target range is wide.

Car insurance road service content

There are many car insurance companies, but first of all, we will check the general service contents with the road service of E-design Sompo of Tokio Marine Group. When you purchase a car insurance, the road service comes free with an automatic accessory. First of all, I am glad that it is free.

Also, since road service is not an insurance payment, using it will not affect the grade of the following year. This is the common idea of Sompo Conservation. It is comparable to JAF’s service, but it is troublesome that the crane fee is self-pay. It costs about 20,000 yen to use a crane, so you need to be prepared.

Service item Content/Comment
Wrecker service Car transportation when the car does not move due to an accident or breakdown
Free up to 60 km
Lifting/withdrawing service When you fall a wheel or ride on a curb, restore it
Crane fee is borne by you
First aid service
  • Battery up
  • Unlock
  • Spare tire replacement by flat tire
    Replenishing oil and cooling water
  • Valve/fuse replacement
  • Immobility rescue due to snowfall
  • Light work within 30 minutes
  • Crane fee is borne by you
Out-of-fuel gasoline delivery service Free supply of 10 liters once a year (once a year)

The service content is sufficient compared to JAF. It corresponds to “top battery, puncture, key lock”, which is the top three reasons for rescue. The service does not support puncture repair, but if you have a puncture, you can replace it with a spare tire. All this service comes with a car insurance contract for free.

The following points are behind JAF in terms of service.

  1. First-aid treatment of flat tires (recently many cars do not have spare tires)
  2. Attaching and detaching the tayer chain (practice yourself if you go skiing)
  3. Except for vehicles other than contract vehicles
  4. Not applicable for driving disability due to deterioration of driving environment due to weather

JAF, which receives the service by paying the membership fee, is superior to the wrecker service. That is natural. The car insurance wrecker service is free. However, I don’t think it’s a big problem that we are worried about the dust.

  1. Replace it with a spare tire in a hurry and repair it at the tire purchaser later.
  2. If you drive a car or go to a snowy mountain, you must be able to detach the chain yourself
  3. For non-contractor cars, use the service attached to that car
  4. Carry the chain when forecasting snowfall, and be careful of underpasses during heavy rains

Even a free car insurance wrecker service can provide you with a safe car life.

Inability to drive due to natural disasters is not covered by the service, but if you drive a car, you must carry the chain and attach/detach yourself in case of an emergency. If you can’t do this, JAF is a good choice. However, if you can not do it yourself, you will waste important time such as waiting time for wrecker.

Check the contents by going into the road service agreement


When comparing road services, I often see homepages that are easy to read, but what you should see is the service agreement. If you do not read this, you will not know the details such as services not covered. Although it is as detailed as the terms and conditions of automobile insurance, the points to be aware of after reading all the terms can be taught by the insurance company.

There are few insurance jargon in the road service agreement, so it’s understandable, but it takes time. When you read it, it is very close to the concept of vehicle insurance contracts. (It takes about 30 minutes to read the terms carefully)

Since there are many points that you are interested in when you read it, extract the points. The road service itself is a great service, but there are many people out there, so the details are detailed to make a defense.

  1. Excludes other cars and family bikes that are covered by another vehicle driving insurance
  2. Not relevant to anti-social forces (including abusive provisions in services as well as contracts)
  3. Not covered during owner’s unauthorized driving (renting a car without permission)
  4. Not applicable while boarding in an abnormal state (boxing of runaway tribe)
  5. Accidents of consigned vehicles are not covered (coverage of automobile manager liability insurance )
  6. Domestic service is available, but some remote islands are not
  7. Not applicable without prior notice
  8. Clear maintenance defects that can be recognized as being unable to drive are not covered
  9. Not covered by vehicle insurance, war, nuclear fuel, drug causes, etc.
  10. Unlicensed driving is not applicable, vehicle inspection vehicle is not applicable
  11. Traveling on the coast, farmland, wilderness, riverbeds, harbor facilities, land development, factory site is not applicable
  12. Not applicable if usage frequency of the same service is extremely high
  13. Not applicable when non-life insurance company determines that it is inappropriate to use the road service
  14. We will not be liable for any significant delay in the provision of services
  15. Obtained subrogation right for the other party’s accident (natural right)
  16. If there is a vehicle insurance claim, it will be treated as insurance money (not related to the contractor)
  17. If the interpretation regarding the content of the road service is broken, apply the interpretation of the insurance company
  18. Agreement jurisdiction is Tokyo (Tokyo will be the case when a lawsuit is filed)
  19. The wrecker is only temporarily transported. The second time (from home to factory) and transportation of scrapped vehicles are not applicable.
  20. Excludes vehicle storage charges exceeding 48 hours
  21. Battery jumping only once during the insurance period
  22. The falling wheel does not include the state where all wheels are falling.
  23. Only one of the wheels is on the road (road, sidewalk, curb)

There is a strict description that makes you think that it is a one-sided enforcement rule to counter contractors who are over billing for free supplementary services. It does not affect normal subscribers, but the service needs to be delineated somewhere, such as monthly battery exhaustion, monthly gas exhaustion, road service arrival is now 30 minutes but now I think there is no choice but to list it in the agreement.

In particular, No. 14 “Insurers are not liable for liability even if the service provision is significantly delayed”, depending on the interpretation, we think that it is a very strict policy for contractors. For example, a contracted vehicle was damaged by derailing on a mountain road in the evening. Since there was a power supply for the cell phone at the time of derailing, I requested a wrecker service. After that, the non-life insurance company forgot to arrange for the outsourcer, and the contractor could not contact the battery of the phone on the mountain road where no one came and the contact could not be made, and the case slipped down in the pitch dark night and injured etc. Under the terms, it is possible to interpret that the forgotten casualty insurance company will not be liable. (Interpretation of delay not forgetting and not yet providing service)

In fact, if such a case occurs, I think that I will pursue liability for liability based on tort, so if there is a negligence in forgetting arrangements, it is possible to think that it caused the cause, so a claim for compensation based on civil law Some may be accepted.

I wrote down the details, but when snowfall occurs in the metropolitan area, any wrecker company is busy. The road service receives calls from a large number of subscribers and the calls cannot be connected in the first place. Even if it finally connects, it is a tow truck waiting for 3 hours. It is force majeure even if it is said that the wrecker will be slow or will appeal in this state. There are circumstances described as a defense against such a situation.