- AIU Special Care -
If your car becomes the target of damage (exclusive to AIU) |
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Coverage for willful damage to the vehicle and theft of contents
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If the insured vehicle has its windows smashed or its locks broken with the intent to steal your possessions from the vehicle, we help to reduce the burden of rental car and public transport costs by granting a fixed payment of 30,000 yen.
Notes:
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1. |
Your vehicle is automatically covered under this insurance policy. |
2. |
Coverage for willful damage to the vehicle (30,000 yen) will not apply if your vehicle is entitled to a an insurance payout covered by either
1) fixed price rental vehicle coverage (granting a fixed amount to be used for renting a replacement vehicle),
or 2) actual costs rental vehicle coverage (reimbursing you for actual costs incurred in renting a vehicle replacement). |
3. |
Coverage for willful damage to the vehicle will be paid only once through the life of the policy. |
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Accident example : Willful damage caused to a vehicle
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Place: |
Covered car park in front of a train station |
Vehicle type: |
Standard passenger vehicle |
Background: |
You parked your vehicle in a covered car park near a train station, and went shopping. While you were away, the driver’s side window was smashed, the interior of the vehicle was looted, and your portable MD player was stolen. (a report must be lodged with the police) |
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If personal belongings in the vehicle are damaged due to an accident |
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Escort (special coverage for personal belongings)
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Your insurance policy covers you for damage to personal belongings contained, for example, in your trunk, resulting from collision, fire, theft, and other unforeseen accidents.
Notes:
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1. |
The amount of damages to be paid is calculated by the cost of replacing the goods with new items, minus the amount of depreciation based on the age of the items and their use. 5,000 yen is then deducted from this figure, representing the personal liability of the owner. |
2. |
This additional coverage is not applicable if you are already insured under the Lifestyle Coverage. |
3. |
Merchandise and other items not associated with personal belongings are not covered under the terms of this insurance. |
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Accident example : Loss of personal belongings
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Place: |
in a car park near your house |
Vehicle type: |
a domestic sedan |
Background: |
You parked your vehicle in its place at the monthly parking lot, at around 10PM. The next morning at 7AM you return to the vehicle, and find that the door is unlocked. The locks are not broken, but you think it odd, so you look around the vehicle and find that the trunk has been opened and your expensive gold clubs have all been stolen. The only thing remaining is the golf bag, which was discarded near the car. |
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In the case of an accident requiring |
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Legal Fees Coverage Service
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The legal fee coverage service is applicable not only in the case of traffic accidents, it also covers you if you are involved in other unforeseen accidents causing death or injury, as well as damage to your possessions. It can be used to pay for the legal consultation fees and lawyer’s fees you incur when trying to seek your entitled legal damages from another party.
Coverage
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1. |
Legal consultation fees: actual costs will be covered up to 10,000 yen per person per visit (up to a maximum of 50,000 yen). |
2. |
Lawyer’s fees: Actual lawyer’s fees will be paid up to a maximum of 3,000,000 yen for each person and each accident. |
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Accident example : Lawyer’s fees when dealing with an accident
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Place: |
A street close to your home |
Background: |
Your child was injured after being struck by a bicycle while walking along the street. You would like to ask the advice of a lawyer, as you are not sure how to negotiate with the other party. |
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Accident example : Lawyer’s fees for an automobile accident
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Place: |
At an intersection |
Background: |
Your car was stopped at a red traffic light when a car collided with you from behind. You have asked the driver of the other vehicle to pay for repairs to your car, but the talks are going nowhere. You want to consult a lawyer for advice on how to proceed. |
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A safeguard against monthly payments when suffering pay cuts from long-term hospitalization! |
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Living Cost Compensation Special Clauses
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If the insured (in this case the policy purchaser) is injured and hospitalized for 15 days or more from an automobile accident or other unforeseen accidents, fixed monthly insurance will be paid according to the length of the hospitalization. This is to help compensate for necessary fixed monthly payments such as life insurance and home loan. (Maximum payment period 12 months). The customer may choose the fixed monthly insurance amount from 100,000 yen, 200,000 yen or 300,000 yen.
- Explanation of "Agreed Value Special Clauses"Please choose the fixed monthly insurance amount that is less than 40% your average monthly income. (If the fixed monthly insurance amount is deemed inappropriate, we may not be able to pay the amount.)
Note:
This special clause is not applicable for injuries sustained by the policyholder as a result of his/her occupation or during his/her work-hours.
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Example :
Monthly Fixed Insurance Amount: 100,000 yen
Hospitalization Period: 62 days
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Day 15 ? Day 30 = 100,000 yen paid on Day 30
Day 30 ? Day 60 = Further 100,000 yen paid on Day 60
Day 60 ? Day 62 = Further 100,000 yen paid on Day 62
Total of 300,000 yen paid.
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Protection in a society increasingly dependent on credit cards and computerization!
Unauthorized Use of Payment Cards and Personal Information Special Clauses (i Secure)
Damage from unauthorized use of Payment Card, Personal Information
The following Compensation will be paid if you suffer monetary damage as a result of unauthorized use of personal information and payment card.
Example:
- Someone acquires your PIN number (security number) by illicit means and withdraws money using your credit card or loan card.
- Someone enter into an installment sales contact using your personal information such as address, name and birth date acquired by illicit means.
- Someone acquires personal information stored in your computer, and use it to wire money from your Internet banking account to another account.
Note:
"Payment Card" refers to cards and saving certificates including Bank Cash Cards, Credit Cards, Loan Cards, which are used to purchase items and rights, acquire services, burrow money and withdraw money from an account. It does not include prepaid vouchers including prepaid cards and cyber money.
Note:
Unauthorized use of Personal Information” is when a third party acquires personal information of the insured (person covered by the policy), and makes unauthorized use of it to inflict damage to the property of the insured (monetary damage). It does not include non-monetary infringement of rights such as breach of privacy.
AIU will provide the following compensation
| Payment Card Damage |
・Compensation for damages resulting from unauthorized use of Payment Card.
Insurance Amount for Unauthorized Use of Payment Cards (*1) :
Each Incident: Up to 1 million yen(Insured shall pay: 30,000 yen)
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| Fee for Legal Consultation |
・Compensation for fees from consulting attorneys etc. on unauthorized use of personal information.
Insurance Amount for Legal Consultation :
Each Consultation: Up to 10,000 yen
Each Incident: Up to 50,000 yen
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| Attorney Fee |
・Compensation for attorney fees for trials etc.
Insurance Amount for Attorney Fees etc. :
Each Incident: Up to 3 million yen(Insured shall pay: 30,000 yen)
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*1) If other compensation is paid by law etc. for the monetary damage, such amount shall be deducted.
ATM Robbery
Compensation will be paid for monetary damages and any injuries sustained if you are robbed after withdrawing money from ATM machines etc. (including bank counters).
Example:
Someone diverts your attention by telling you that you have something on your clothing, and meanwhile your wallet is taken in the process.
Someone sprays mace on you, and steals your bag containing your wallet.
Note:
"ATM Robbery" refers to money stolen within one hour after it is withdrawn from an ATM machine etc. (including bank counters).
AIU will provide the following compensation
| Damage from ATM Robbery |
・Compensation will be paid for the amount stolen after withdrawing from an ATM machine.
Insurance Amount for ATM Robbery (*2) :
Each Incident: Up to 2 million yen (Insured shall pay: 30,000 yen)
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| Injury from ATM Robbery |
・Compensation will be paid for injuries sustained as a result of an ATM Robbery.
Insurance Amount for Injury Sustained from ATM Robbery :
Resulting in Death:
Insurance payment for funeral: 1 million yen
Insurance payment for hospitalization: Maximum 100,000 yen
Insurance payment for treatment: Maximum 50,000 yen
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| Attorney Fee |
・Compensation for attorney fees for trials etc.
Insurance Amount for Attorney Fees etc. :
Each Incident:Up to 3 million yen(Insured shall pay: 30,000 yen)
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*2) If payment is made under another insurance (incl. special clauses),such amount shall be deducted.
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