How to Enroll in CALI (Mutual Insurance)
How to Obtain CALI (Mutual Insurance)
CALI (mutual insurance) can be purchased through simple procedures at automobile and motorcycle dealers, insurance (mutual insurance) agencies, as well as at various non-life insurance companies, mutual insurance cooperatives, and agricultural cooperatives. Motorcycles of 250 cc or less (light motorcycles, mopeds), etc., can be insured at some convenience stores and over the internet.
For details on the procedure and required documents, please contact the non-life insurance company (mutual insurance association) or agency you wish to make a contract with.
Insurance (Mutual Insurance) Premiums for Major Vehicle Types and Contract Periods
| Vehicle type | 60 months | 48 months | 36 months | 24 months | 12 months |
|---|---|---|---|---|---|
| Private automobile | - | - | 23,690 yen | 17,650 yen | 11,500 yen |
| Light automobile | - | - | 23,520 yen | 17,540 yen | 11,440 yen |
| Small motorcycle (over 250 cc) | - | - | 10,490 yen | 8,760 yen | 7,010 yen |
| Light motorcycle (over 125 cc to under 250cc) | 14,200 yen | 12,470 yen | 10,710 yen | 8,920 yen | 7,100 yen |
| Motorized bicycle (125 cc or less)*1 | 13,310 yen | 11,760 yen | 10,170 yen | 8,560 yen | 6,910 yen |
| Specified small motorized bicycle*2 | 12,040 yen | 10,730 yen | 9,400 yen | 8,040 yen | 6,650 yen |
*1 Including mopeds (mopeds with pedals) and electric scooters / kickboards, etc.
*2 Mainly electric scooters / kickboards, etc.
*Premiums (mutual insurance premiums) applicable to policies starting in April 2024 or later for areas other than isolated islands (excluding Okinawa Prefecture).
Details on Premiums (Mutual Insurance Premiums)
Click here for vehicle types other than motorized bicycles. [PDF/387KB]
Click here for motorized bicycles. [PDF/90KB]
Precautions
CALI (Mutual Insurance) Certificate
Be sure to keep your CALI (mutual insurance) certificate with you in your car or motorcycle.
Attaching Insurance Stickers
For motorcycles of 250 cc and under, be sure to attach the insurance sticker that you received when you enrolled in the insurance. Attach it to the upper left of the license plate.
In the case of a motorized bicycle, please attach it to the license plate in an easily visible position.
The color of the sticker varies depending on the year in which the insurance / mutual insurance period expires.
Please use this information to ease your
concerns and for support.
If You Are Involved in a Traffic Accident
The Ministry of Land, Infrastructure, Transport and Tourism (MLIT) has prepared a pamphlet titled "If You Are Involved in a Traffic Accident." This pamphlet informs and guides people who have been involved in a traffic accident about various systems and procedures. The challenges you face due to a sudden traffic accident will change over time. Please use the information in this pamphlet according to your situation at the time.
Traffic Accident Victim's Notebook
MLIT has created the “Traffic Accident Victim's Notebook” with the hope of providing support to automobile accident victims. The notebook allows victims and their families to record accident details and provides information about support systems available through police, local governments, and private victim support organizations. We also hope that it will provide support to all accident victims, and help to ease their concerns.