🛡️ Insurance & damage waivers for Japan car rental

Complete guide: the four compulsory coverage types, CDW (damage waiver), NOC (non-operation charge), OlaChill's extended TAS/TWS plans, and the situations where insurance is void.

1. Base coverage — four required types

Coverage	Scope	Limit
🧑Personal injury liability	Death or injury to third parties	Unlimited (includes 3rd-party liability)
🏠Property damage liability	Other vehicles or property	¥30,000,000 per incident (deductible ¥50,000)
🚗Rental-car damage	Damage to the rented vehicle	Actual value (deductible ¥50,000 · larger/commercial: ¥100,000)
👥Occupant coverage	Injury / death of driver & passengers	Up to ¥30,000,000 per person

Limits above are industry norms. Actual amounts may vary by operator.

2. CDW — Collision Damage Waiver

Waives the deductible you would otherwise pay when the car is damaged.
Price: ~¥1,100 / day (industry standard).
Without CDW: you pay ¥50,000–¥100,000 per incident.
With CDW: deductible = ¥0.

⚠️ Always buy CDW — just ¥1,100/day saves ¥50,000+ if anything happens.

3. NOC — Non-Operation Charge

NOC compensates the rental company for lost revenue while the car is being repaired. CDW does NOT cover NOC — buy it separately or pick the Full Coverage plan.

Situation	NOC fee
Car is drivable, returned to the shop	¥20,000
Car is not drivable, towed back	¥50,000

4. TAS / TWS — OlaChill extended protection

⭐ TAS (OlaChill Additional Support)

Includes NOC + towing fee.
Bundled automatically with every OlaChill booking.
Price: already included in the rental total.

💎 TWS (OlaChill Wide Support)

Includes TAS + extended coverage (tyres, windows, key loss).
Optional add-on at booking time.
Price: ~¥500–¥800 / day.

5. When insurance is void

⛔ Damage exceeds the policy cap

Anything above the operator's limit is paid by the renter.

⛔ Failure to notify the police

An accident without a 110 police report → insurance is fully void.

⛔ Not covered by policy

Intentional damage.
Flat or burst tyres.
Lost wheel caps.
Interior damage.
Lost equipment / accessories (GPS, ETC card, cables).

⛔ Rental contract violations

Driving under the influence of alcohol.
Reckless driving or racing.
Driving under drugs.
Extending the rental without notifying the operator.
Hit-and-run.
Letting an unregistered driver drive.
Sub-letting the car to a third party.

⛔ Irresponsible behaviour

Vandalising the interior.
Theft due to unlocked doors.
Illegal parking (fines paid by renter).
Harassing rental-company staff.
Filling the wrong fuel at a self-service pump.
Losing the car keys.

6. Compare the three plans

	Basic	+ CDW	Full Coverage
Third-party liability	✅	✅	✅
Property liability	✅ ¥50k deductible	✅ ¥0	✅ ¥0
Rental-car damage	✅ ¥50–100k deductible	✅ ¥0	✅ ¥0
NOC	❌ ¥20–50k	❌ ¥20–50k	✅ ¥0
Towing	❌	❌	✅
Extra / day	¥0	¥1,100	~¥2,200
Recommendation		⭐⭐	⭐⭐⭐

✅ Full Coverage = total peace of mind, only ~¥1,100/day more than CDW.

Got insurance sorted? Find a Full-Coverage car now

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