au non-life insurance

What au non-life insurance does

au損保 (au Insurance Company, Limited) is a Tokyo-headquartered, privately held non-life insurance company established on February 23, 2010 as a joint venture between auフィナンシャルホールディングス (au Financial Holdings), the financial arm of the KDDI/au telecom group, and あいおいニッセイ同和損害保険 (Aioi Nissay Dowa Insurance), a major Japanese P&C insurer. The company operates a digital-first specialty insurance platform targeting Japanese individual consumers, distributing through the au/KDDI brand ecosystem, its official website (au-sonpo.co.jp), and dedicated iOS/Android mobile applications. With 155 employees as of April 1, 2026 and a flat internal structure organized across 13 departments covering underwriting, product development, systems, sales, customer service, and claims, the company functions as a lean digital insurer rather than a general-line carrier.

The company's product portfolio spans specialty P&C lines that are typically underserved by traditional insurers: bicycle insurance (positioned around Japan's mandatory bicycle liability regime), pet health insurance for dogs (ワンコ保険) and cats (ニャンコ保険) with lifelong continuation, domestic and overseas travel insurance, golf insurance, and personal accident coverage for traffic and daily-life incidents. In addition to first-party products, au損保 functions as a referral platform for co-branded and partner-issued products including au自動車ほけん (auto), auバイクほけん (motorcycle), ワンデーサポーター (one-day), and すぽくる (sports). The technology stack centers on a customer self-service portal (お客さま専用ページ) supporting paperless contract management, plus two proprietary mobile apps — the 海外サポート overseas support app (hospital finder, document storage, claims filing) and the アニポス pet insurance claims app — both available on iOS and Android.

Revenue is generated entirely through 損害保険 premiums collected on monthly (月払) or lump-sum (一時払) subscription terms, with auto-renewal (自動継続特約) supported across eligible plans. Distribution is direct-to-consumer via the website, mobile apps, and customer portal, with customer acquisition amplified by the au/KDDI telecom subscriber base. Pricing is not publicly disclosed and is provided through online quotes. The company has no subsidiaries, no funding rounds (capitalized via its JV parents), no M&A activity, and is not pursuing an IPO. Operating geographies are limited to Japan.

Name

au non-life insurance

Legal name

au損害保険株式会社（英文名称：au Insurance Company,Limited）

Website

https://au-sonpo.co.jp

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

501–1,000 employees

Short description

au損保 is a Tokyo-based digital non-life insurer, jointly owned by au Financial Holdings (KDDI) and Aioi Nissay Dowa Insurance, selling specialty P&C products — bicycle, pet, travel, golf, and accident insurance — directly to Japanese consumers via the au ecosystem, website, and mobile apps.

Ownership category

akta.pro rank

Product category

Personal Non-Life Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

Pet Insurance (FSAJAKAG), Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Non-life insurance
• Bicycle insurance
• Pet health insurance
• Travel insurance
• Personal accident insurance

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Non-life Insurance Premiums: au損保 generates revenue through收取損害保険保费 from policyholders. The company offers multiple non-life insurance products including bicycle insurance, pet insurance (dogs and cats), overseas travel insurance, domestic travel insurance, golf insurance, injury insurance for traffic accidents, and injury insurance for daily accidents. Premiums are collected on a monthly or lump-sum (一時払) basis. The company also offers referred insurance products for automobile, motorcycle, day-support, and sports through partner companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

au Insurance Company offers a digital-first portfolio of personal non-life insurance products targeting Japanese individual consumers, including bicycle insurance, pet insurance for dogs and cats, overseas and domestic travel insurance, golf insurance, and personal accident insurance covering traffic and daily accidents. The company distributes these products online through the au/KDDI brand ecosystem and refers customers to partner insurers for auto, motorcycle, sports, and one-day insurance coverage.

Product overview

au損害保険株式会社 (au non-life insurance) operates as a non-life insurance company jointly invested by au Financial Holdings and Aioi Nissay Dowa Insurance. The company offers a diverse portfolio of insurance products centered around specialty lines including bicycle insurance, pet insurance (dog and cat variants), travel insurance (domestic and overseas), golf insurance, personal accident insurance, and partnered auto/motorcycle insurance. The product portfolio is complemented by mobile applications including the overseas travel support app and Anipos pet insurance app, providing policy management and claims submission capabilities. The company distributes insurance primarily through digital channels including smartphone apps and online platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• au Bicycle Insurance (au自転車ほけん) Personal bicycle insurance coverage for individual consumers within the au/KDDI ecosystem, providing protection against bicycle-related accidents and third-party liability.
• au Pet Insurance - Dogs (auペット ワンコ) Pet health insurance for dogs covering veterinary expenses and related treatment costs, sold to individual pet owners.
• au Pet Insurance - Cats (auペット ニャンコ) Pet health insurance for cats covering veterinary expenses and related treatment costs, sold to individual pet owners.
• au Overseas Travel Insurance (au海外旅行の保険) Travel insurance for Japanese travelers going abroad, covering medical, cancellation, baggage, and liability risks during overseas trips.
• au Domestic Travel Insurance (au国内旅行の保険) Domestic Japan travel insurance covering medical, cancellation, baggage, and liability risks for trips within Japan.
• au Golf Insurance (auゴルフの保険) Golf-specific personal accident and liability insurance for individual golfers, covering on-course injuries and third-party damage.
• au Personal Accident Insurance - Traffic (auケガの保険 交通事故) Personal accident insurance covering injuries sustained in traffic accidents, sold to individual consumers.
• au Personal Accident Insurance - Daily (auケガの保険 日常の事故) Personal accident insurance covering injuries sustained in everyday accidents outside of traffic, sold to individual consumers.
• au Auto Insurance (au自動車ほけん) Referred auto insurance product distributed through the au platform, with underwriting by a partner insurer.
• au Motorcycle Insurance (auバイクほけん) Referred motorcycle insurance product distributed through the au platform, with underwriting by a partner insurer.
• au One-day Supporter Insurance (auワンデーサポーター) Single-day short-term insurance referred through the au platform, underwritten by a partner insurer.
• au Sports Insurance (auすぽくる) Sports-specific personal accident insurance referred through the au platform, underwritten by a partner insurer.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• 公益社団法人 日本ユネスコ協会連盟 (Japan UNESCO Association Federation)coreStrategic or Co-development Partner · 17 January 2025au損保 and 日本ユネスコ協会連盟 signed a partnership agreement for sustainable society on January 17, 2025. The partnership involves: (1) donation of ¥30 per overseas travel insurance policy to UNESCO World Heritage activities; (2) donation of ¥5 per domestic travel insurance policy to the Future Heritage Movement; (3) matching gift program where au損保 doubles employee donations. This is the first time 日本ユネスコ協会連盟 has partnered with a private company.
• あいおいニッセイ同和損害保険株式会社 (Aioi Nissay Dowa Insurance)coreStrategic or Co-development PartnerOne of the two joint venture partners (alongside auフィナンシャルホールディングス) that established and jointly funds au損保. Provides insurance product development expertise and underwriting capabilities. The company operates as a joint venture leveraging both the au brand distribution power and the insurer's product development strength.
• auフィナンシャルホールディングス株式会社 (au Financial Holdings)coreStrategic or Co-development PartnerParent company and joint venture partner (alongside あいおいニッセイ同和損害保険) that owns au損保. Provides the au/KDDI brand ecosystem, customer base, and distribution platform for insurance product sales. The joint venture leverages the au brand for customer acquisition in the digital insurance space.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Lemonade: US-listed digital-native insurer using an AI-driven, mobile-first underwriting and claims experience. Comparable as a benchmark digital-first insurance model, though operating in a different regulatory and product market.

Broad incumbents

• Tokio Marine & Nichido Fire Insurance: Largest non-life insurer in Japan with broad product coverage across personal and commercial lines. Comparable as the dominant incumbent setting competitive benchmarks au損保 must measure against in travel, accident, and pet categories.
• Aioi Nissay Dowa Insurance: One of au損保's two parent companies and a major Japanese non-life insurer offering auto, fire, marine, and personal accident products. Directly comparable as the underwriting backbone of au損保 and a benchmark for Japanese non-life scale.
• Sompo Japan Insurance: Major Japanese non-life carrier with auto, fire, and personal accident products. Competes with au損保 in the personal lines segment and operates similar digital policy management capabilities.
• Mitsui Sumitomo Insurance: Top-tier Japanese non-life insurer under MS&AD Insurance Group. Comparable across personal accident, travel, and auto lines where au損保 operates or refers products.

Others

• au Insurance (life) / au Financial Holdings peer entities: Sister entities within au Financial Holdings that distribute banking, securities, and life insurance products through the same au/KDDI ecosystem au損保 relies on. Comparable as adjacent ecosystem distribution partners and indirect competitors for customer wallet share.

Direct peers

• Anicom Insurance: Japan's leading pet insurance specialist with nationwide coverage and the Anicom brand. Directly competes with au損保's ワンコ保険 and ニャンコ保険 products in the rapidly growing Japanese pet insurance category.
• Sony Assurance: Japanese direct-to-consumer auto insurer known for its online quote-and-purchase model and digital-first customer experience. The closest analog to au損保's digital-native distribution strategy within the Japanese market.
• Rakuten General Insurance: Online direct non-life insurer leveraging the Rakuten Group's e-commerce ecosystem, comparable to au損保's strategy of embedding insurance distribution into a major consumer tech platform.
• Pet & Family Insurance (now part of Aioi Nissay Dowa group): Japanese pet insurance carrier offering dog and cat medical coverage with lifelong continuation. Directly competes with au損保's pet insurance products and is now consolidated under one of au損保's parent groups.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/ausonpo
• LinkedInlinkedin.com/company/94431

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about au non-life insurance