Motorcycle Insurance in Japan: What You Need to Know

Motorcycles are becoming more and more popular. In fact, the number of motorcycles in Japan has increased by 35% since 1990. Unfortunately, motorcycle accidents often result in severe injuries or even death. These numbers show that bike accidents are a growing issue in Japan. That’s why it’s important to know what you need to do if you plan on buying or riding a motorcycle. Read this article for tips on how to find cheap motorcycle insurance in Japan.

What is motorcycle insurance?

Motorcycle insurance is a contract in which the insurer pays a fixed amount of money if you are involved in an accident while riding your motorcycle. It covers medical costs, injury compensation, and loss of income if necessary.

There are two types of policies: full coverage and partial coverage. Full coverage includes all the risks that would be covered by any other insurance policy, whereas partial coverages only cover certain risks.

The cost of motorcycle insurance varies depending on exactly what they cover. Factors that affect the cost include how old you are, what kind of bike you’re riding, where you live, and how many kilometers per year you ride your bike.

In Japan, the average cost for motorcycle insurance is around $5 USD per day (the most expensive in Japan). If you’re looking for cheaper rates but still want to have a high degree of protection against injuries or death, try looking into companies such as Allianz Global Assistance International Insurance Company or Hannover Reinsurance Limited Guernsey Co Ltd. They offer low-cost policies with good coverage options at reasonable prices.>>END>>

Types of motorcycle insurance

There are many different types of motorcycle insurance. Every type is designed for different needs. There are four main types of motorcycle insurance in Japan:

Hardship Insurance

This type of insurance covers injuries sustained from accidents, mishaps, and illnesses that result in a loss of income.

Comprehensive Insurance

This type of motorcycle policy covers the vehicle as well as personal property damage and medical expenses.

Third-Party Liability Insurance

A third-party liability policy covers damages incurred to other people and their property if you cause an accident while riding your bike.

Motorcycle Hire Insurance

This type of coverage provides protection against loss or damage associated with hiring out your motorcycle.

How to find cheap motorcycle insurance in Japan

First and foremost, you need to know what type of insurance you’re looking for. There are three types of motorcycle insurance in Japan:

– Third-party insurance

– Third-party insurance + personal accident insurance

– Railroad employee (rail co.) liability insurance

Third-party insurance is the most common type. It only provides coverage for injuries sustained through an accident if someone else was at fault. This is a good option for those who own their bikes outright or just want to make sure they have the financial means to cover any medical expenses that may come up. Another option is third-party insurance with personal accident insurance, which covers both injury and medical expenses incurred from an accident if it wasn’t your fault. The last type of bike insurance is railroad employee (rail co.) liability insurance, which covers injuries incurred while on a train as long as you have a rail pass.

Choosing the right motorcycle insurance Company

Motorcycle insurance companies are a dime a dozen in Japan. There are no set standards for how to compare motorcycle insurance rates, but there are three important things you need to consider when looking into which company is right for you:

*Budget – How much money you want to spend on auto insurance.

*What coverage do you need – What types of coverage are you intending to get?

*The company’s reputation – How long has your potential insurer been in business? Has it been in the business of providing motorcycle insurance?

Since different insurers may offer different levels of coverage and prices, it’s important that you compare these factors before settling on a provider.


Motorcycle insurance in Japan is significantly cheaper than in other countries, but you must be careful to make sure you’re getting the right motorcycle insurance.