Insurance & Coverage

If you are involved in an accident while using a rental car from our company and cause damage to us or a third party, you will be held responsible for compensating those damages.
ABC Rent-a-Car provides the following insurance and protection plans to cover such liabilities; however, any amount exceeding the policy limits or the deductible will be the customer’s responsibility.

Basic Coverage

Customers renting from ABC Rent-a-Car are covered within the limits of the following basic insurance coverage.

Bodily injury liability

Bodily Injury Liability:
Limitless

Property damage liability

Property Damage Liability:
Limitless

Collision coverage

Personal Injury Coverage Per Accident:
Actual Cash Value

Personal injury protection

Personal Injury Coverage Per Person:
Up to 30,000,000 yen

※ The above insurance and compensation plans do not apply in cases where the terms and conditions of our rental agreement are violated, if the incident falls under insurance policy exclusions, or if a police accident report cannot be obtained. For details, please refer to the Safety Guidelines for Safe Driving.

CDW(Collision Damage Waiver)

The Collision Damage Waiver (CDW) exempts customers from paying the deductible amounts for property damage and vehicle damage in the event of an accident.

	With CDW	Without CDW
Property Damage Deductible	Deductible Waived	50,000 yen
Bodily Injury Deductible	Deductible Waived	50,000 yen
*Non-Operation Charge1**	Drivable: 20,000 yen Not drivable: 50,000 yen	Driveable: 20,000 yen Not driveable: 50,000 yen
Total Customer Liability (in case of accident)	20,000〜50,000 yen*2	*70,000〜200,000 yen3**

*1 The Non-Operation Charge (NOC) is a fee paid by the customer as compensation for loss of vehicle use during repairs resulting from an accident or other issues.
*2 In the case of serious accidents involving violations of the rental agreement or applicable laws, the Collision Damage Waiver (CDW) and insurance coverage will not apply, even if purchased.
*3 If multiple accidents occur during a single rental period, the customer will be responsible for additional charges. Furthermore, for serious accidents involving violations of the rental agreement or laws, insurance and coverage will be void. If the cost of the accident exceeds the limits of the coverage provided by our insurance policies, the customer will be responsible for paying the excess amount in full.

※ 免責補償制度について、公式サイトからご予約されたお客様は、レンタカー基本料金に含まれています。

Wide Coverage

If the vehicle is damaged during use, a Non-Operation Charge (NOC) will be charged to the customer as compensation for the loss of use.
However, customers who have purchased Wide Coverage are fully exempt from this charge in the event of an accident.。

	Under 24 years old	24 years old and over
Wide Coverage Fee	1,100 yen/day	550 yen/day

*1 If at least one registered driver is under 24 years old on the day of rental, the rental fee will be calculated based on the under-24 rate.
*2 Wide Coverage for drivers under 24 years old will be available starting from January 17, 2025.
*3 The above Wide Coverage fees include tax.

	CDW + Wide Coverage※5	CDW Only
Property Damage Deductible	Deductible Waived	Deductible Waived
Bodily Injury Deductible	Deductible Waived	Deductible Waived
Non-Operation Charge	Deductible Waived	Driveable: 20,000 yen Not driveable: 50,000 yen

※5 Enrollment is required at the time of application or contract.Adding coverage or enrolling during the rental period is not permitted.

Not Covered by Insurance or Compensation

The following items are excluded from insurance and coverage.

× Failure to report the accident to the police at the scene (if an official police accident report cannot be obtained).
× Failure to notify the rental office immediately after the accident.
× Settling with the other party without the company’s consent.
× Accidents caused by unauthorized extension of the rental period.
× Accidents caused by drivers not listed on the rental agreement.
× Accidents occurring while not wearing a seatbelt.
× Driving under the influence of alcohol.
× Driving without a valid license.
× Vehicle damage caused by theft.
× Accidents caused by exceeding the maximum passenger capacity.
× Driving on beaches, riverbeds, forest roads, or other non-road areas.
× Damage or corrosion caused by improper use, including repair costs.
× Use of the vehicle for tests, competitions, towing, or pushing other vehicles.
× Damage caused in accidents involving vehicles owned, used, or managed by the customer and our rental vehicle.
× Malfunctions caused by user operation errors.
× Damage to the rental vehicle or signage within the rental office premises.
× Damage to interior equipment.
×Scratches caused by decorative items such as tire chains or ski carriers
× Tire damage or loss of tires and wheel caps.
× Use of the vehicle in violation of our rental terms and conditions.
× Accidents excluded by insurance policy clauses.
× Damage caused by negligence in vehicle management.