Eco Mark Product Category No. 147“General Insurance Version1.3”
Certification Criteria- Applicable ScopeA. Automobile insurance

Established

November 29, 2010

Last Revised

April 1, 2019

Expiration

November 30, 2027

Japan Environment Association
Eco Mark Office

NOTE: This document is a translation of the criteria written in Japanese. In theevent of dispute, the original document should be taken as authoritative.

147 V1 Criteria

Eco Mark Product Category No.147 “General Insurance Version1.3”
Certification Criteria

A. Automobile Insurance
Japan Environment Association
Eco Mark Office
1. Purpose of Establishing Criteria
Omitted.
2. Applicable Scope
General Insurance Contract provided in Chapter I, Article 2, Item 6 of the
Insurance Law
In the Classification A, automobile insurance shall be the scope of application.
However, property and liability insurance (so-called compulsory insurance) requited
to take out by the Automobile Liability Security Law shall be excluded.
3. Terminology
Insurance

Insurance contract refers to, regardless of the name such asContract

insurance contract or mutual aid contract, any contract
under which a party promises to pay a property benefit (in alife insurance contract or personal accident and sickness
fixed return insurance, only payment of money. Hereinafterreferred to as the “Insurance Benefit”) on condition that anyof specific events occurs, and the other party pays
premiums (including mutual aid contributions) in responseto the possibility of occurrence of such event (Chapter I,
Article 2, Item 1 of the Insurance Law).

Automobile

General insurance for automobiles (comprising automobile

insurance

physical damage insurance, personal accident insurance,and general liability insurance)

Policyholder

Of the parties to the insurance contract, the party who has
the obligation to pay premiums (Chapter I, Article 2, Item 3of the Insurance Law)

InsurerOf the parties to the insurance contract, the party who has
the obligation to pay the Insurance Benefit (Chapter I,
Article 2, Item 2 of the Insurance Law)

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147 V1 Criteria

Premium

Money paid by the policyholder as remuneration forcoverage under insurance. Its amount is determinedaccording to the content of contract.

Non-fleet

Policyholder who has up to nine automotive vehicles in total

policyholder

held/ used by him/her which are covered by automotive
insurance policies (abbreviation: Non-fleet)

Fleet

Policyholder who has ten or more automotive vehicles inpolicyholder

total held/ used by him/her which are covered by anautomotive insurance policy (abbreviation: Fleet)

Recycled parts

Recycled parts refer to reused parts (automobile parts
which

are

removed

from

used

automobiles

andcommercialized after quality checking and cleaning are
carried out) and rebuilt parts (automobile parts which areremoved from used automobiles, with worn or deteriorated
components being replaced, rebuild, and commercialized
after quality checking and cleaning are carried out).
Eco safe driving

Eco safe driving refers to “3 articles of eco safe driving”
established by the General Insurance Association of Japan,
a driving method considering the environment and effective
in reducing traffic accidents. From “ten recommendations
for eco driving” designated by the Eco Driving Liaison
Committee, three items related to the safety, among others,
that is, Starting: gentle accelerator “e-start”, Driving:
sufficientdistance

betweencars,

Acceleration

anddeceleration: early accelerator off, are recommended.
Environmental

Environmental

management

systemreferstomanagement

organizational plan/ system/ process to implement efforts

systemtoward achievement of the environmental policy/ objectives/
goals established by any corporation or group, etc. This isbased on the PDCA cycle, and continues to improve efforts
for the environmental business system and environment.

Policy conditions

Policy conditions refer to the content of an insurance
contract provided in advance. Collection of provisions.
There are two types, that is, general policy conditions(general and standard conditions) and special policy
conditions (those partially revising or supplementing
general policy conditions).

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147 V1 Criteria

4. Certification Criteria and Certification Procedure
To show conformance to the individual criteria item, the respective AttachedCertificates and related documents shall be submitted.
4-1. Environmental Criteria and Certification Procedure
For criteria items (1) – (5), total number of points obtained by meeting all“necessary items,” as well as meeting each “elective item,” should satisfy Table 1
by contract type.
For “elective items,” unless especially specified, points can be calculated inrelation to all items in which either the proposed product or system applicable tosuch product (including indemnity or service attached at the discretion of thepolicyholder or under designated conditions, like riders, which may notnecessarily be attached at the time of contract) meets conditions.
Table 1

Number of total points of “elective items” necessary for approval
Contract typeNo. of meeting points

Non-fleet contract

8 points or more

Fleet contract

10 points or more

4-1-1. Efforts to reduce social losses(1) Reduction of environmental impact by reducing accidents
a. Necessary item
[a-1. Information dispatch for safe driving]
Introduction of the content of “eco safe driving” and provision of useful
information for prevention of accidents and safe driving* to policyholders*Useful information for prevention of accidents and safe driving includes the introduction of
accident cases and points in driving safely which are provided on Websites of insurancecompanies.

[a-2. Setting of premiums corresponding to the state of accident]
Premiums of insurance products should be discount/ premium systems
incorporating the state of occurrence of an accident caused by the policyholder*.
*Discount/ premium systems include the grade system for Non-fleet and merit/ demerit rates for
Fleet.

Number ofpointsb. Elective item

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147 V1 Criteria[b-1. Interactive provision of information]
Participative

systemsforpreventionof

accidents

andimprovement of safe driving* should be incorporated ininsurance products for policyholders.

1 point*Participative systems refer to riders specifying participants and providing
opportunities to mutually exchange information, programs that directly
feedbacks the driving status, and so on. As example, driving aptitude
diagnosis, eco safe-driving course, consulting, and e-learning, providing anapplication to assist in the prevention of accidents are raised[b-2. Examination/ feedback/ announcement of the effect ofefforts]
Systems in b-1 should systematically incorporate analysis ofcauses of accidents, implementation of consulting which
contribute to fewer accidents, examination of the effect, andfeedback to policyholders, and should provide a consulting
service given according to characteristics of each policyholder.
In addition, the annual effect (actual results) of reduction of
accidents by those systems should be estimated and announced*.
*If it is difficult to estimate/ announce the effect (actual results) limited to theservice involved, the effect (actual results) of the entire service including suchservice is also acceptable.

3 points*If theconsulting
service item ismet but it is
not announced,
1 point should
be assigned.

[Certification Procedure]
For a-1, relevant portions of brochures introducing “eco safe driving” andstating the service involved should be submitted.
For a-2, materials making it possible to understand the outline of premiums(brochure, insurance provisions, etc.) should be submitted.
For b-1, materials making it possible to understand the content of participative
systems (brochure, insurance provisions, etc.) should be submitted. Also, if any
meetings have held, results of meetings should be submitted.
For b-2, documents in which materials to explain the process of consulting
service and effect and results are announced should be submitted.
4-1-2. Efforts at the time of occurrence of risk insured(2) Recycling/ proper disposal at the time of repair
a. Necessary item
[a-1. System to use recycled parts]
In repairing the contract vehicle with the occurrence of an automobile accident,
there should be a system to use recycled parts, and the garage and policyholder
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147 V1 Criteria

should be encouraged to use recycled parts.
[a-2. Proper disposal at the time of scrapping of a vehicle]
When the contact vehicle is scrapped with the occurrence of an automobile
accident, there should be a system to lawfully disassemble, recycle, and scrap
the vehicle.
Number ofpointsb. Elective item
[b-1. Announcement of results of use of recycled parts]
Quantity of recycled parts actually used for repair in a year *1
should be understood and announced*2.
*1 Quantity of recycled parts actually used shall be the quantity or
weight of recycled parts, or the number of transactions in which
recycled parts are used, or the quantity of reducing environmental
impact (total quantity of reduction of CO2) through the use ofrecycled parts. It is desirable to announce even the quantity of
reducing environmental impact.

1 point*2 If it is difficult to understand/ announce actual results only for the
proposed product, actual results for overall insurance products
including other products are also acceptable.

[b-2. Avoidance of a total loss vehicle]
Insurance product should have a system* whereby repair of thevehicle is encouraged if the cost for repair of the contract vehicle
exceeds the insurable value so as to avoid a total loss vehicle.

1 point*If there is a larger economic burden in selecting repair of a vehicle
than selecting scrapping a vehicle, a system that can economicallyencourage repair (in addition to reduction of repair costs through theuse of recycled parts) should be covered. As an example, a rider tocover the repair cost exceeding the insurable value is raised.

[b-3. Advancement of recycling]
Insurance company (dismantler receiving a vehicle) should
dismantle

reusableparts

primarily

for

the

purposeofcommercializing recycled parts*1 in scrapping the contract
vehicle.
In addition, advancement of recycling, including removal of parts
which may obstructing crush/ recycling*2 after scrapping, should
be promoted.
*1 Active use as recycled parts, rather than recycling of materials
after crush, should be the primary objective.
*2 Smoke pots, tires, and lead-acid batteries, etc.

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1 point

147 V1 Criteria[Certification Procedure]
For a-1, materials explaining a system to encourage the use of recycled parts
should be submitted.
For a-2, for repair of a total loss vehicle, materials explaining the following
system and flow shall be submitted:- An insurance company shall fairly determine a method for handling a total
loss vehicle (e.g., whether it is handled as a used automobile, or whether it issold as a previously-owned car, etc.).
- A total loss vehicle shall be handed over to an appropriate collection trader (aused automobile shall be handed over to a registered trader).
For b-1, the media through which announcement is given and their details
should be submitted.
For b-2, materials clarifying the specific system should be submitted.
For b-3, materials explaining a system of the dismantler, including dismantle ofrecycled parts and selection and the assessment method concerningadvancement of recycled parts, should be submitted.
4-1-3. Efforts for the policyholder during the applicable period of insurance(3) Leading eco-friendly behaviors of the policyholder
a. Necessary item
[a-1. Information dispatch promoting eco-friendly behaviors]
Any useful information for reduction of environmental impact* with respect tothe use of a vehicle should be provided to the policyholder.
*As useful information for reduction of environmental impact, it is acceptable to introduce
eco-friendly behaviors that can be carried out by the policyholder when using a vehicle.
Introducing 4-1-1 (1) “Eco safe driving” satisfies this item, but it is desirable, in addition tothis, to make an appeal for knack of low-fuel-consumption driving or control of the excessive
use of a vehicle.

Number ofpointsb. Elective item
[b-1. Promotion of spread of eco cars]
Insurance product should have a premium discount systemapplicable when the contract vehicle is an automobile with highenvironmental performance*.

3 point*Automobiles with high environmental performance refer to those with good
exhaust performance and good mileage (or electricity consumption), andspecifically include hybrid vehicles, electric cars, plug-in hybrid cars, fuel cellcars, clean diesel cars.

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147 V1 Criteria[b-2. Control of the excessive use of a vehicle]
Insurance product should have a premium system in which thesmaller the mileage is, the lower premiums are set based on the

1 point

actual mileage as effective system for the control of excessive useof a vehicle by the policyholder.
[b-3. Participative environmental protection activities]
Participative environmental protection activities* should be
provided so the policyholder will personally contribute to theprotection of the global environment as service attached to theinsurance product.
In addition, results of such activities should be announced.

2 point*As participative environmental protection activities, both a system whereby
the policyholder can indirectly participate in environmental protection
activities performed by the insurance company to contribute to theenvironmental protection according to the policyholder’s expression of intent(selection) or behavior and a system whereby the insurance company
regularly provides programs allowing the policyholder’s direct participation
to contribute to the environmental protection should be covered. (Refer toExplanation: (3) Other environmental preservation activities.)[Certification Procedure]
For a-1, if there is any information other than “eco safe driving,” materials
making such information clear should be submitted.
For b-1 and b-2, materials (brochures, provisions, etc.) making the outline clear
should be submitted.
For b-3, materials making the policyholder’s participation method and specificcontent of environmental protection activities clear, as well as documents inwhich results of activities are announced, should be submitted.
4-1-4. Efforts in promotional activities for insurance products(4) Reduction of paper resources
a. Necessary item
[a-1. Promotion of paperless policy conditions]
For the insurance product, policy conditions should be delivered by electronicmeans, rather than using paper, and the goal concerning promotion of
paperless treatment should be set.
In this regard, paperless treatment may be offered as option for thepolicyholder, and limited when the policyholder’s approval can be obtained.
Number ofpointsb. Elective item

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147 V1 Criteria[b-1. Active promotion of paperless policy conditions]
Active promotion of paperless policy conditions should be
conducted, the number of transactions in which the policyholder

Either of theselects paperless policy conditions for the proposed productfollowing

should exceed the following ratio to the number of all contracts

pointsof the proposed product, and the quantity of reduced paper byaccording toselecting paperless treatment should be announced*:

the paperlessratio*If it is difficult to understand/ announce the ratio and quantity of reduced
paper limited to the proposed product, figures for overall insurance products
including other insurance products are also acceptable.

・As results for the past year, number of selected paperlesstransactions accounts for at least 20%;
However, till November 30, 2011, only when there are results
for less than one year, results for past 6 months (or for more

1 point

than 1/2 of the number of all annual contracts, a period
having the number of all contracts corresponding to 1 point)
shall be acceptable.
・As results for the past year, number of selected paperlesstransactions accounts for at least 50%
Or, there is no option of selecting written policy conditions for

3 point

the proposed product, and there are only paperless policy
conditions.
[b-2. Eco-friendly printed matters]
For paper media used for acquisition/ contract of the insurance
product (brochures or policy conditions issued by the insurance

1 point

company), Eco Mark certified printing paper should be used.
[b-3. Promotion of paperless application procedures]
A part or all of the application procedures of insurance products

1 point(application forms and insurance policies) shall be paperless.
[Certification Procedure]
For a-1, materials making it possible to understand that paperless policy
conditions are delivered, and materials showing the paperless achievement goal
should be submitted.
For b-1, materials showing that all policy conditions are paperless policy
conditions, or materials or publicized documents concerning diffusion of
paperless policy conditions and quantity of reduced paper, should be submitted.
For b-2, the name of the subject paper media should be presented, and the
8/12

147 V1 Criteria“product brand name” and “certification number” of the printing paper certified
under Eco Mark product category No.107 “Printing Paper Version 3” should bespecified in the attached certificate.
For b-3, materials clearly showing the flow of application procedure and thatefforts to make application forms and insurance policies paperless have been
made shall be submitted.
(5) Environmental preservation activities as entire businessa. Necessary item
[a-1. Efforts for the environment in business activities]
Insurance company (including branch and regional offices) should designate anenvironmental policy, and make efforts to reduce environmental impact arisingfrom its own business activities*.
In addition, it should announce the content and results of such efforts.
*As efforts to reduce environmental impact arising from business activities, reduction of the useof electricity and gas at offices, reduction of the quantity of paper used, reduction ofenvironmental impact caused by driving company cars, provision of environmental education
to employees, green purchase, and the use of green electricity are raised.

[a-2. Compliance with environmental laws and regulations]
Insurance company should comply with related

environmental

laws,

regulations, ordinances, and pollution prevention agreements, etc. (hereinafterreferred to as the “Environmental Laws and Regulations, etc.”).
In addition, a system whereby proper corrections and measures to prevent
recurrence of violation are implemented if any violation of the Environmental
Laws and Regulations, etc. occurs should be established.
Number ofb. Elective item

points[b-1. Efforts for the entire supply chain]
Insurance company should assess, select, or support efforts of
insurance agents and garages*1 with respect to compliance with
the Environmental Laws and Regulations, etc., as well as efforts
to reduce environmental impact arising from their businessactivities*2.

1 point*1 Subject insurance agents and garages shall be those covered by the
influence of the insurance company, and for agents, exclusive agents, etc.,
among others, shall be covered, and for garages, primarily, repair shops also
acting as insurance agent and affiliated repair shops appointed by the
insurance company as repair shop in advance shall be covered.
*2 As example of efforts of garages to reduce environmental impact, support tointroduction of an environmental management system and control of VOC

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147 V1 Criteria

generation using water paints are raised.

[b-2. External environmental activities]
Insurance company should perform external environmental
enlightenment and environmental preservation activities.
* As external activities, environmental education activities, holding ofenvironmental courses, investigation and research on global warming andbiodiversity, support to Nippon Keidanren Biodiversity Declaration,
participation in signing UNEP Financial Initiative, participation in UN
Global Compact, participation in environmental preservation activities
through employees, and donations to environmental groups are raised.

1 point[Certification Procedure]
For a-1, materials showing the environmental policy and content and results ofefforts, including environmental reports, should be submitted.
For a-2, the list of names of applicable Environmental Laws and Regulations,etc. to the insurance company (head office), state of compliance with laws andregulations for last five years (if there is any violation, explanation of
implementation of corrections and measures to prevent recurrence), and acertificate stating the effect that it complies with laws and regulations should
be submitted. If a system whereby compliance with laws and regulations/corrections/ measures to prevent recurrence can be achieved is created by theenvironmental management system, materials showing the implementation
system by the environmental management system or a copy of the certificate ofauthentication by a third-party agency are also acceptable.
For b-1, materials showing the scope of subject agents and garages and thecontent and results of their efforts should be submitted.
For b-2, materials showing the content and results of efforts should besubmitted.
4-2. Quality Criteria and Certification Procedure
None
5. Product Classification, Indication and Others(1) Omitted(2) In principle, Eco Mark shown as below shall be indicated on the product.
Regarding licensee of Eco Mark Utilization Contract who already own Eco Markproducts, the indication of the logo and certification number that have been usedis also acceptable.

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147 V1 Criteria(Note for the indication)*For indicating the logo, Eco Mark certification number (eight-digit number) or
the name of the licensee using the logo shall be appeared.
* Such expression as “Eco Mark product” can be used following the 2.(2) of the
Guide to Eco Mark Usage.
“Eco Mark product”, “#Eco Mark”, “www.ecomark.jp”, “Eco Mark Certificate”* If a licensee makes an environmental claim of the Eco Mark certified products
associating with the Eco Mark logo, please comply with the “Environmental
Labeling Guidelines” of the Ministry of the Environment of Japan.
(https://www.env.go.jp/policy/hozen/green/ecolabel/guideline/)* The Guide to Eco Mark Usage shall be followed for any cases not listed above.
(https://www.ecomark.jp/office/guideline/guide/)

November 29, 2010

Established (Version1.0)

March 1, 2011

Revised 5(2) (Version1.1)

July 13, 2012

Revised 5 (Version1.2)

June 1, 2015

Revised: 3 and 4-1-1(1) (Version1.3)

March 15, 2016

Extension of expiration

April 1, 2019

Revised (Eco Mark indication)

March 1, 2021

Extension of expiration

November 30, 2027

Expiration Date

The Certification Criteria for the Product Category will be revised when necessary.

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147 V1 Criteria

Attached Table 1. Example of Eco Mark product classification (by application)

Fleet contract

general policy
conditions B

Non-fleet contract

Special Policy
Condition

Special Policy
Condition

Special Policy
Condition

Special Policy
Condition

Special Policy
Condition

Product A

Special Policy
Condition

Non-fleet contract

general policy
conditions A

Fleet contract

Product B

general policy
conditions B

Special Policy
Condition

general policy
conditions A

Corporation

Individual

Special Policy
Condition

Corporation

Special Policy
Condition

Individual[product name primarily under generalpolicy conditions B]

Special Policy
Condition[product name primarily under generalpolicy conditions A]

It is necessary to meet the certification criteria withgeneral policy conditions A + Non-fleet contract (+special policy conditions).

It is necessary to meet the certification criteria withgeneral policy conditions A + both Fleet and Non-fleet
contract (+ special policy conditions).

[Application limiting the scope][Product name primarily with special policy
conditions automatically attached]Special Policy
Condition

Special Policy
Condition

Fleet contract
Set of Special Policy
Condition Product C

Special Policy
Condition

Product C

In the case of a product name to which special policy
conditions are automatically attached, if different
contracts are combined, combination of all contracts (inthis case, both general policy conditions A/ B, Fleet/Non-fleet) is required to meet the certification criteria.
When limiting the scope, this shall also apply.
Note) Only special policy conditions shall not be subject
to qualification.
Individual

Corporation

general policy
conditions A

general policy
conditions B

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Fleet contract

Special Policy
Condition

Special Policy
Condition

Non-fleet contract

Special Policy
Condition

Special Policy
Condition

While certification limited to corporation/ fleet contract
can be granted according to the product brand name orregistration type, Eco Mark indication is limited tocorporation/ fleet contract in this case.
<Registration example>
Product brand name: C
Type: fleet contract with a corporation

general policy
conditions B

Non-fleet contract

Fleet contract

Special Policy
Condition

Special Policy
Condition

Special Policy
Condition

Special Policy
Condition

Non-fleet contract

general policy
conditions A

Repair rider for
total loss of vehicle

general policy
conditions B

Corporation

Special Policy
Condition

general policy
conditions A

Individual

Repair rider for
total loss of vehicle

Corporation

Special Policy
Condition

Individual