Tokio Marine Direct Adds AI Accident-Risk and Child-Safety Map Features to Policyholder App

Tokio Marine Direct General Insurance has added new features to its policyholder app that allow users to view “driving caution spots” and “child caution spots” on a map. The features are enabled by integrating data from Tokio Marine Smart Mobility’s “AI traffic accident risk analysis” and data from “Moshikamo Map,” a web service aimed at reducing accidents involving elementary school children. The “driving caution spots” feature uses data on locations predicted to have accident risk through AI-based traffic accident risk analysis. In the app, each location’s risk level is displayed from one to three stars, along with accident trends and key points drivers should watch for. This is the first time Tokio Marine Smart Mobility has made this AI risk-analysis data available to individual customers. The “child caution spots” feature visualizes locations where children are more likely to be involved in accidents, based on Moshikamo Map data submitted by parents and children, such as roads with poor visibility or narrow streets. First-grade elementary school children are often referred to in Japan as the “dangerous age of seven,” with pedestrian traffic deaths and serious injuries tending to rise from May to June. Moshikamo Map is positioned as an initiative to help address the social issue of child accident prevention. Tokio Marine Direct has provided safe-driving support through its app since 2021 under the mission of “not only providing peace of mind at the time of an accident, but co-creating a world without accidents with customers.” With the new features, users can review nearby caution spots on a map together with their driving score, helping reinforce daily safe-driving awareness. The app also supports accident and trouble reporting, policy confirmation, driving behavior scoring, caution-spot display, and reward-point redemption for sweets and drinks based on safe-driving activity. The new features will be rolled out gradually to some customers from the announcement date onward.