Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 30, 2020

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Key takeaways...

  • AIOI is a casualty/property insurance company in Japan
  • In 2019, the company merged with Nissay Dowa General Insurance and Mitsui Sumitomo Insurance to form what is now known as AIOI Nissay Dowa Insurance
  • The present company is operating as a subsidiary of MS&AD Insurance Group

AIOI is a top casualty/property insurance company in Japan. Its primary focus was on auto insurance products, marine lines, fire, property and personal accident.

The company has established partnerships in North America, Asia, and Europe to provide its policies to customers.

Read through this AIOI car insurance review online before you purchase an AIOI auto insurance policy so that you can make an informed decision.

Be sure to compare car insurance quotes from other top companies – just enter your zip code above!

History AIOI Insurance Company

AIOI Insurance came into being in 2001 when Dai-Tokyo Fire & Marine acquired Chiyoda Fire & Marine.

In 2010, the company merged with fellow insurers Nissay Dowa General Insurance and Mitsui Sumitomo Insurance to form what is now known as AIOI Nissay Dowa Insurance.

The present company is operating as a subsidiary of MS&AD Insurance Group.

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Products offered by AIOI Insurance

AIOI Insurance mainly focuses on clients who travel or live and work abroad. The company is headquartered in Tokyo, Japan but has 20 regional offices in Asia, North America, Australia and Europe.

The main products offered by the company are:

  • Home insurance and life insurance for women.
  • Claims services including accident claims handling and consulting services.
  • Fire accident response service
  • Breakdown related services
  • Health and medical services

Apart from the above, AIOI is also involved in research on products for insurance companies including:

  • Management and training support
  • Data entry
  • Management of printed matters
  • Administration of real estate and facilities
  • Risk consultation and research services
  • Temporary staffing
  • Development and maintenance of software
  • Asset management and development
  • Management of call centers/systems
  • Training and advisory services

AIOI Insurance Industry Ratings

According to insurance company rating reports, AIOI has a very strong financial base.

The company is rated AA- by Standard & Poor’s for Long-Term Issuer Credit Rating and A-1+ for Short-Term Issuer Credit Rating.

With 2,651 billion Yen ($22,057 million) in total assets and net premiums written amounting to 846 billion Yen ($7,036 million) on a consolidated basis, AIOI is one of the largest insurance companies in the world.

AIOI Auto Insurance

AIOI auto insurance is available in two options: Comprehensive and Third Party, Fire and Theft.

Comprehensive Motor Vehicle Coverage

Comprehensive coverage protects the insured in the event of a total loss of his vehicle. Here, the insurer will be provided with a brand replacement car, so long as the vehicle had been driven less than 100,000 km and it was less than 3 years.

The Comprehensive policy includes the following:

  • Temporary cover when the client is changing his car
  • Towing and storage costs following accidental damage or loss
  • Help with legal costs as well as protection of the client’s legal liability to other people’s property
  • Emergency travel and accommodation expenses
  • Cover for personal items in the car up to a certain amount
  • Provision of a rental car following theft for up to 14 days

Third Party, Fire & Theft

This cover protects the client from expenses that will have to be paid due to accidents caused by third parties. It also insures them from damages or losses caused by fires or theft to the insured vehicle.

AIOI is a global insurance company that has a strong financial base. The company has carved a niche among those who live and work abroad or travel a lot.

If you want AIOI car insurance quotes then be sure to visit their website. Enter your zip code in on this page to compare your AIOI auto insurance rates with rates from competing insurance companies!


  1. https://www.aioinissaydowa.eu/en/home.cfm#.WvLufejwa3A
  2. https://www.insuranceproviders.com/companies/aioi-insurance-company-of-america/
  3. https://www.tripadvisor.com/Tourism-g298184-Tokyo_Tokyo_Prefecture_Kanto-Vacations.html
  4. https://www.statefarm.com/insurance/auto/coverage-options