AIU’s automobile insurance operates on a twenty (20) grade rating system, ranging from 60% discount up to 60% loading. Newly insured autos start at grade 6, and receive a promotion for each claim-free year. The policy holder will be degraded by a rating of three if a claim is filed.
When you insure your car through Japan Insurance.net your rating will be carried over from your current insurance provider. This ensures that we can offer you the highest discount possible based on your previous driving record.
| category | rating |
| no age restrictions | 6A / 7A |
| above 21 | 6B / 7B |
| above 26 | 6C / 7C |
| above 30 | 6E / 7E |
| above 35 | 6G / 7G |
| RANK | 1 | 2 | 3 | 4 | 5 | 6A | 6B | 6C | 6D | 6E | 6F | 6G | 7A | 7B | 7C | 7D | 7E | 7F | 7G | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| % | 60 | 30 | 20 | 0 | 10 | 30 | 10 | 0 | 0 | 0 | 10 | 0 | 10 | 10 | 30 | 30 | 30 | 20 | 20 | 30 | 40 | 40 | 45 | 50 | 50 | 55 | 55 | 58 | 58 | 60 | 60 | 60 |
| loading | - | discount | loading | - | discount | - | loading | discount | ||||||||||||||||||||||||
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■New car discount (9% off injury / compensation premium and 5% off auto damage premium) |
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If you insure your car up to 25 months from the time it was first registered, you are eligible for premium discounts of 9% for injury and compensation, and 5% for auto damage. |
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■Gold license discount (up to 16% off) |
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You are entitled to a discount of up to 16% if you have a gold colored driver’s license on the first day of the insured period. * 6% discount for the following categories: no age restrictions, above 21 * 16% discount for the following categories: above 26, above 30, above 35 |
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■Switch first year discount Industry First! (up to 3% off) |
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You are entitled to a 3% discount for the first year of your car insurance policy when switching from another insurance company. |
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■Bodily Injury set discount NEW (up to 3% off) |
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If you have an incidental Bodily Injury policy, your are entitled to a maximum of 3% off your auto insurance premium. This applies only to the above 30 and above 35 categories. |
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■Policy Holder & Spouse only discount NEW (up to 10% off) |
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You are entitled to up to 10% off your car insurance premium if only you and your spouse are covered by general liability insurance as drivers of the vehicle. |
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■Family Member only discount (up to 6% off) |
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You may be entitled to a discount of between 1 ~ 6% if the drivers of the vehicle are limited to the policy holder, the policy holder’s spouse, the resident relative or unmarried child. Please be aware that coverage may not apply if someone other than these people is driving the car at the time of an accident. |
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■Non-fleet multiple policy discount |
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A multiple policy discount of 6% may apply if between 3 and 5 cars are insured together on the same insurance documents. A discount of 7% may apply if more than 6 cars are insured together. |
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■Long-term grade discount (5% off) |
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This special discount (5%) may apply to above 26, above 30, above 35 categories as a no-accident bonus for new car insurance policies.
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