About Our Insurance
Travel with greater peace of mind
To ensure that unexpected accidents or breakdowns during your rental car trip don’t ruin your vacation, MIYAKO RIDE recommends enrolling in a coverage plan that includes Non-Operation Charge (NOC) protection.
What is the “Anshin (Peace-of-Mind) Wide Plan”?
The "Anshin Wide Coverage Plan" is an optional insurance plan designed to reduce your burden in case of trouble, such as repair costs or business compensation fees. We offer two types of plans to suit your needs and preferences.
Basic Plan （¥2,000 / day）
A simple plan covering the essential minimum compensation. The following 5 items are covered.
- ①
- Repair costs up to ¥300,000
- ②
- Waives ¥100,000 deductible
- ③
- NOC coverage (up to 3 days)
- ④
- Operational loss / Non-Operation Charge (NOC)
- ⑤
- Dents caused by stone chips
Premium Plan（¥3,500 / day）
A comprehensive plan for those seeking full protection. The following 9 items are covered.
- ①
- Repair costs up to ¥1,000,000
- ②
- Deductible fully waived
- ③
- NOC fully waived (full coverage)
- ④
- Theft and towing coverage
- ⑤
- Operational loss / Non-Operation Charge (NOC)
- ⑥
- Stone-chip dents
- ⑦
- Towing arrangement and fee covered
- ⑧
- Battery jump-start support (including non-failure cases)
※Accidents caused by reckless driving or other serious negligence of the driver are not covered.
※Mid-term enrollment or cancellation during the rental period is not allowed.
※Items not covered will be billed separately.
※Those who have held a driver’s license for less than one year are not eligible for the Anshin Compensation Plan Wide. The Non-Operation Charge (NOC) will be billed at actual cost.
Complimentary Support
Free support services are provided as part of the optional coverage plans to help reduce your burden in case of trouble, such as repair costs or business compensation. Two plans are available depending on your needs.
-
Coverage 01
Basic / Premium Plan
Operational loss / NOC
-
Coverage 02
Basic / Premium Plan
Stone-chip dents
-
Coverage 03
Premium Plan
Towing arrangement & fee covered
-
Coverage 04
Premium Plan
Battery jump-start support
- Standard Coverage
- ※Included in rental fee
- Personal and Property Damage Coverage
- Unlimited
- Personal Injury Coverage
- Limited (passengers only)
- Vehicle Coverage
- If the vehicle is damaged, coverage up to the current market value with no deductible Exclusions.
- ・Smoking in a non-smoking vehicle / seat burns
- ・Wet seats from using the vehicle in wet clothing
- ・Key submersion or loss
- ・Excessive dirt or odor (including fish or fishing bait odors)
- ・Hit-and-run accidents
What is “NOC”?
Rental cars are considered commercial vehicles, just like taxis. If you are involved in an accident while using a rental car and the vehicle requires repairs, regardless of the extent of the damage or the length of the repair period, a Non-Operation Charge (N.O.C.) will be collected as business compensation. If you are unable to pay the N.O.C., you will be responsible for covering all associated costs related to the claim.Even if you are enrolled in the liability waiver program, you will still be required to pay this amount. (Tax-exempt)
We will separately charge for the period during which the rental car cannot be operated. In Miyako Island, accidents are very common, and even if your vehicle is hit while parked, a Non-Operation Charge (NOC) will apply. If the accident liability ratio is 8:2 or less, the NOC will not be applicable. In the case of a total loss from a single-vehicle accident, the NOC may not be applicable depending on the accident circumstances. Over 90% of our customers choose to enroll. On average, payments range from approximately 50,000 to 300,000 yen.
In the event of a total loss, it may take more than two months to ship the vehicle, which can result in payments exceeding 500,000 yen. If smoking or cigarette butts are found inside the vehicle, a deodorizing fee will be charged. For lost keys, a fee of 30,000 yen will apply.Stone chips and scratches: 7 days, dents and cracks: 21 days, unable to drive normally: 45 days, total loss: over 60 days. Drivers with less than one year since obtaining their license cannot enroll in the Wide Safety Compensation Plan. Business compensation will be charged at actual cost.
In Miyako Island, there are few repair shops, and it may take time before the vehicle can be sent in for repairs. The waiting days are also counted as business compensation. The compensation days listed above are the minimum period. If the repair takes longer than these periods, additional charges will apply.
We recommend enrolling in our “Wide Peace-of-Mind Protection Plan,” which also covers NOC. Over 90% of our customers choose this plan. To ensure your enjoyable trip isn’t ruined, we strongly encourage you to consider signing up.
Examples of non-insurance-covered and separately chargeable cases
If an accident occurs under any of the following driving conditions or circumstances, none of the compensation systems (liability coverage, property damage coverage, personal injury coverage, vehicle coverage, NOC coverage) will apply.
Additionally, depending on the circumstances, we may issue a separate charge for damages caused by the customer’s negligence.
- Driving under the influence of alcohol, driving without a license, or driving under the influence of drugs
- Failure to report the accident to the police from the scene (if a police accident report cannot be obtained)
- Failure to contact the rental office from the scene of the accident
※ If the accident occurs outside of business hours, please be sure to contact us the next morning. Rental office phone number: 080 3998 0385 - Settling with the other party without notifying our company
- Driving with more passengers than the permitted capacity
- Accidents caused by anyone other than the driver(s) listed in the rental contract
- Mechanical failure caused by operational error
(e.g., driving with the parking brake engaged) - Loss of wheel caps (cost of wheels, repair, or replacement)
- Damage to interior equipment, submersion or loss of keys
- In cases where accident liability is 80:20 or less
- In the case of a total loss due to a single-vehicle accident (depending on accident circumstances)
- Driving off-road, such as on beaches, riverbeds, or forest paths
- Use in violation of the terms stated in our rental agreement
- Reckless driving or other serious negligence by the driver
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