au Insurance to Investigate Bicycle Insurance Enrollment Rate for FY2025

au Insurance Corporation (Headquarters: Minato-ku, Tokyo; President: Takeshi Nakai; hereinafter, au Insurance) conducted a survey on bicycle insurance enrollment status targeting 14,098 men and women aged 15 to 69 nationwide who use bicycles.

The results showed that the national bicycle insurance enrollment rate was 64.2%, marking the first decline from the previous year since the survey's commencement in FY2018.

Bicycle insurance enrollment is mandated in many municipalities to provide relief to victims of bicycle accidents. The decline in enrollment rates amidst these mandates suggests that the importance of preparing for bicycle accidents may not be sufficiently understood by bicycle users.

au Insurance has been continuously surveying the national bicycle insurance enrollment rate since FY2018 and has received significant feedback annually. Therefore, the results for FY2025 will also be published.

1. National Bicycle Insurance Enrollment Rate Declines for the First Time to 64.2%

A survey on enrollment status for insurance to prepare for bicycle accidents revealed that the combined enrollment rate of those who answered "enrolled" or "probably enrolled" was 64.2% (9,053 individuals), marking the first year-on-year decrease since the survey began (Table 1).

The "2nd Bicycle Utilization Promotion Plan" announced by the Ministry of Land, Infrastructure, Transport and Tourism in 2021 set a target of increasing the insurance enrollment rate to 75% by FY2025 (Note 1). While direct comparison is not possible due to differences in survey timing and criteria, this survey's results fell short of that target.

2. Enrollment Rate in Mandated Areas Remains High at 66.4% but Declines for the Second Consecutive Year

When analyzed by region, areas where bicycle insurance enrollment is mandated (Note 2) showed an enrollment rate of 66.4%, significantly higher than non-mandated areas (47.6%) (Table 1). These results indicate that mandates promote insurance enrollment. However, even in mandated areas, the enrollment rate has declined for two consecutive years, suggesting that the expansion of insurance enrollment triggered by mandates may have plateaued.

3. Awareness of Bicycle Insurance Mandates Remains Low at 36.5%

Among residents in areas where bicycle insurance enrollment is mandated, a survey on awareness of the mandate found that only 36.5% answered "aware." This is a decrease of 2.3 percentage points from the previous year and has been declining for four consecutive years since 49.4% in FY2021 (Table 2).

These results suggest that the fact that bicycle insurance enrollment is a legal requirement may not be adequately communicated, potentially contributing to the decline in enrollment rates.

4. "Improving Awareness" of Enrollment Mandates is Crucial for Further Bicycle Insurance Popularization

The implementation of bicycle insurance mandates in various regions across the country has led to an increase in enrollment rates. However, this survey indicates that without knowledge of the existence of mandates and other systems, actions such as enrolling in or reviewing insurance may not occur. Therefore, to steadily increase enrollment rates in the future, it is important to raise awareness of insurance enrollment mandates.

au Insurance has supported local governments in publicizing ordinances such as insurance enrollment mandates and in conducting awareness activities for safe bicycle use, based on "Agreements on Safe Bicycle Use" concluded with various municipalities. Moving forward, au Insurance will continue to support everyone's safe and secure daily lives through initiatives such as promoting the spread of bicycle insurance and safe bicycle use.

End of Release

【Survey Overview】*Investigated by au Insurance

Survey Method: Internet-based questionnaire

Target Audience: Bicycle users

Target Region: Nationwide Japan

Number of Respondents: 14,098

Respondent Age: 15 to 69 years old

Survey Period: January 16, 2026 - January 19, 2026

*Figures are rounded to the second decimal place in this survey.

(Note 1) Ministry of Land, Infrastructure, Transport and Tourism "2nd Bicycle Utilization Promotion Plan":

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