# AIOI NISSAY DOWA INSURANCE CO\., LTD\.
> Pioneering connected car and telematics insurance in Japan and beyond
## At a glance
| Field | Value |
| --- | --- |
| Type | Carrier |
| Region | APAC |
| Headquarters | Shibuya-ku, Tokyo, Japan |
| Founded | 1918 |
| Stage | Enterprise |
| Employees | 1000+ |
## Overview
Aioi Nissay Dowa Insurance Co., Ltd. (AND) is one of Japan's leading general insurance companies and a core member of the MS&AD Insurance Group, one of the largest insurance groups in the world. The company was formed in October 2010 through the merger of Aioi Insurance and Nissay Dowa General Insurance, with roots tracing back to 1918, bringing together complementary regional strengths and deep insurance expertise.
AND is a global pioneer in telematics-based motor insurance, having launched Japan's first Pay-As-You-Drive (PAYD) product in 2004 using Toyota's onboard telematics device. The company has continued to advance connected car insurance through its strategic partnership with Toyota Motor Corporation, developing "TOUGH Connecting Car Insurance" -- Japan's first driving behavior-based telematics product leveraging connected car data -- which has demonstrated approximately 30% lower accident rates among enrolled customers compared to standard policyholders. Telematics-insured vehicles have surpassed the 1 million mark.
As of March 31, 2025, AND reported total assets of JPY 3,706.6 billion and net premium income of JPY 1,430.3 billion. The company operates 278 domestic sales sections, 185 claims service centers, and maintains a presence in 32 cities worldwide. The company's tech-forward approach has earned multiple international awards including back-to-back recognitions at Insurance Asia Awards in 2024 and 2025.
## Links
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*Last updated: 2026\-05\-11*