Prevention of Road Traffic Accidents

Supporting Safer Driving Using Big Data and Telematics

Products & Service

ISO 39001 (international standard for road traffic safety management systems) certified Smiling Road is a service for businesses that helps corporate vehicle drivers drive safer. Smiling Road was launched in March 2015 as the first telematics service of its kind, and it uses the Internet of Things (IoT) to encourage drivers to continuously be more aware of safety on the road, helping to reduce accident risks by assisting managers in providing effective instructions.
The number of accidents at corporations that have introduced the service has fallen by about 20% due to the synergistic effect of its three features: visibility and understanding of actual driving situations, and feedback to encourage drivers.
Smiling Road’s success in reducing automobile accidents and realizing higher-quality accident response for businesses earned us the top prize in the Nikkei Veritas Award category of the 2015 Nikkei Superior Products and Services Awards for being an innovative and creative service, and an award for excellence (SPRING Award) in the first Nihon Service Award program.
In January 2017 we enhanced the feedback function to further encourage awareness of driving safety and to help prevent accidents, and we launched Truck Navigation Smile, an optional car navigation app for trucks.
Since October 2016 we have been offering the Portable Smiling Road smartphone app for individual drivers to make the concept of Smiling Road service more accessible to even more customers. In March 2017 we added multiple innovative functions, including a frequent accident point alert and a safe route guide that avoids accident prone spots, which utilize our strength as an insurance company.
This service represents our ongoing commitment to using advanced technologies such as big-data analysis, in addition to our expertise in accident response and risk consulting, to offer products and services that contribute to the security, health, and wellbeing of our customers.

Road Service and Other Assistance Business

Products & Service

Prime Assistance, a road assistance service company, provides consultation and arranges for towing and/or repair services in the event that a customer has a flat battery, locked out of their vehicle, or other vehicle-related issues. Service is available 24 hours a day, seven days a week. Our service partners can quickly arrive at the scene to solve a wide range of problems. The company has formed partnerships with about 8,000 towing service and repair businesses nationwide service network.
At our three centers in Akita, Tokyo, and Kagoshima we are working to strengthen the system for continuous operation and improved convenience for customer to provide high quality service.
Through our services that range from Home Assistance*1 and Overseas Medical Care*2 to Business Process Outsourcing,*3 we provide customized services to corporate customers to ensure the best possible solutions, thus enhancing customer satisfaction.

  1. For developers and housing companies, we provide support for urgent situations of homeowners such as leaking pipes or lost keys. Recently we enhanced our services by combining them with preferential services such as a housekeeping service and house cleaning service for supporting working women.
  2. For companies with international operations, we provide coverage of medical expenses payment for their employees outside Japan. On behalf of the client company, we pay medical bills and submit reimbursement claims for health and overseas travel insurance, as well as providing information of local medical institutions.
  3. We offer a number of business process outsourcing services based on requests from clients including an extended guarantee system for automobile manufacturers and dealers, a free services for minor repairs, and a multilingual service for tourists from foreign countries.

Helping customers solve problems

Acquisition of ISO 39001 and Customer Support for Certification


Many fatal road traffic accidents and injuries occur around the world and majority of the accidents take place in developing countries. Developed countries, including Japan, are expected to actively share their know-how for road traffic safety with the world. Against this backdrop, the ISO 39001 international standard for road traffic safety management systems was discussed and developed at the international conferences of the International Organization for Standardization (ISO) before it was officially published in October 2012.
Sompo Japan Nipponkoa has a major role in providing P&C insurance to cover road accident damage, and it also has an important mission to offer services that help prevent accidents. The company therefore collaborated with Sompo Risk Management & Health Care and participated in a pilot program implemented in the drafting stage of ISO 39001, and acquired the world’s first registration for the standard in October 2012. Our continuous initiatives to improve road traffic safety have been highly recognized by the ISO since then.
Sompo Risk Management & Health Care also offers various consulting services for companies seeking to acquire ISO 39001 certification. While continuing to offer a wide range of customer support services for ISO 39001 acquisition, our Group will also actively help customers develop their systems to help prevent accidents, among other efforts to improve road traffic safety.

Policies on road traffic safety
Aiming to fulfill its social responsibility and public mission as an insurance and financial business, Sompo Japan Nipponkoa promotes various initiatives aiming for sustainable growth, recognizing its highly transparent governance structure, risk management, and effective compliance program as a major premise of business development. As part of this effort, we actively work on reducing road traffic safety risks in various types of movement and transportation caused by our business operations, and strive to realize a safe, secure and sustainable society.

(1)We will set up and promote concrete improvement measures after setting the purpose and target for road traffic safety to ensure the mobility and transportation safety.

(2) With our PDCA process, we will surely check the effectiveness of improvement measures on road traffic safety and further make improvement.

(3)We will comply with laws and regulations for road traffic safety, our safety requirements when working in offices and outside offices.

(4)We will establish a management system, mechanisms and procedures to continuously promote road traffic safety.

(5)We will publicize these policies widely to society as well as to our employees and those working at our affiliated companies.

Service to Help Prevent Traffic Accidents Caused by a Medical Condition

Products & Service

As traffic accidents are increasingly being attributed to the driver’s medical condition, maintaining drivers’ health is essential for businesses that use vehicles in their operations.
To prevent such accidents, the Japan’s Ministry of Land, Infrastructure, Transport and Tourism has stipulated that the transport operators grasp their drivers’ state of health, implement specific measures to judge whether or not their driving is authorized, and also recommend that drivers manage their own health.
With this in mind, Sompo Risk Management & Health Care develops various services that help prevent traffic accidents caused by driver's medical condition. Such services include a day-to-day health support service for drivers that provides information useful on maintaining and improving health on a daily basis and preventing accidents by collecting information from vital sensors and various measuring instruments, a simple sleep apnea syndrome (SAS) check service, and a service that helps educate drivers and managers on health management.

Driving Diagnosis Service Using an Automated Video Analysis Program

Products & Service

Commercially available drive recorders include an event recording function and a constant recording function. Both functions have limitations in terms of educating drivers to avoid head-on collisions, which account for 24% of all road traffic accidents.*
In response, Sompo Japan Nipponkoa and Sompo Risk Management & Health Care Inc. have developed a service that focuses on intersections, automatically analyzing videos recorded using the constant recording function, and extracting incidences of failing to stop at a yellow or red light and failing to stop at stop signs, and that provides a guidance report.

  • Source: “Circumstances Surrounding Traffic Accidents in 2015”, Traffic Bureau, National Police Agency.

Outline of Services(in Japanese)

Insurance for Automated Driving Pilot Tests to Support Technical Developments

Numerous driving automation demonstrations and plot tests on public roads have been conducted both within Japan and abroad, and technological innovation for practical use and to encourage adoption is underway around the world. In Japan, a Public-Private ITS Initiative/ Roadmaps 2016 has been formulated. As research and development is accelerating, the National Policy Agency issued in May 2016 the guidelines for testing automated driving systems on public roads that require the securing of proper ability to compensate.
To respond to various risks relating to pilot tests, Sompo Japan Nipponkoa offers an automated driving insurance (tailor-made for pilot tests) using the insurance design know-how we have accumulated so far. It is an insurance policy exclusive to companies involved in automated driving demonstrations and pilot tests, to support their research and development that links to a safe and secure automobile society.
The insurance product incorporates automated driving insurance for safety that comprehensively compensates for various risks relating to automated driving, risk consulting that supports security using Sompo Risk Management & Health Care’s know-how, and a dedicated service that supports the realization of pleasant automated driving by analyzing Sompo Japan Nipponkoa’s driving data.

<Compensation and Service Overview>

[Automobile Insurance] Launch of New Protection for Automated Driving Vehicles

Products & Service

The introduction of automated driving technology is expected to impact society in a number of ways: Securing a means of travel for the elderly and for people in rural areas; eliminating the shortage of workers in the logistics industry; reducing traffic accidents; and alleviating traffic congestion. As a result, research and development is underway in Japan and abroad for the early implementation of such technology, and Japan has seen increasing automobiles fitted with automated driving technology* and connected-cars.
The automated driving technology currently in practical use is a driving support technology that assumes a human driver is driving the vehicle, and that the driver assumes liability in principle for accidents. Because of this, the likelihood of a human driver not being liable for compensation for damage under the law is low at present, and in the majority of cases, it is possible to provide insurance payments using current bodily injury liability insurance and property damage liability insurance. However, due to diversified risks resulting from the high pace of recent technological developments and increase in cyber-attacks, we anticipate cases in which it is unclear whether a human driver is liable for damages and cases that will take time to settle.
For such cases we have newly added an special endorsement of the injured (provided for all customers) that pays insurance payments even when there is no liability for compensation on the part of the human driver, so as to continue to provide peace of mind to customers who use automobiles fitted with automated driving technology and connected-cars, and ensure prompt injured party relief and early amicable accident settlement.
We have revised our no-fault accident provision (provided for all customers of vehicle insurance) to ensure there is no impact on customers’ ongoing automobile insurance policy rating as a result of accidents due to system defects or unauthorized access by a third party in which there is no negligence on the part of the customer.

  • Vehicles in which the system simultaneously carries out multiple operations relating to the vehicle’s accelerator, brakes, and steering wheel that have already been introduced onto the market by automobile manufacturers.