Tokio Marine Deploys Metromile’s Digital FNOL Product

Japan’s largest insurer is expanding an existing relationship to deploy the Metromile first-notice-of-loss product across its $13 billion auto insurance book.

(Image credit: Thanapat Pirmphol.)

Tokio Marine Group (Tokyo) has expanded its relationship with Metromile, the San Francisco-based pay-per-mile insurer, to deploy the company’s digital first-notice-of-loss product Metromile REPORT across its $13 billion auto insurance book. With Metromile REPORT, Tokio Marine expects to significantly improve customer claims by enabling drivers to report accidents online and through its app, according to a Metromile statement. Tokio Marine announced that it had licensed Metromile’s Connected Intelligence Platform in Aug. 2018.

“Metromile uses world-leading technology to provide a more sophisticated and personalized approach for its customers,” comments Hidenori Kobayashi, Deputy General Manager, Tokio Marine Group. “By incorporating its technology into our claims service, we expect to realize millions of dollars in savings and raise the quality of work that can only be performed by our talented team.”

Dan Preston, CEO, Metromile.

Tokio Marine Group, the largest insurance group in Japan, was the first insurance carrier to license Metromile Enterprise’s proprietary artificial intelligence claims platform. Metromile Enterprise is Metromile’s software-as-a-service business group, which partners with insurance companies to help them operate with greater efficiency and provide a premium customer experience. Insurance carriers license Metromile Enterprise’s platform to automate claims to expedite resolution, reduce losses associated with fraud, and unlock the productivity of employees so they can work on higher-impact experiences, according Metromile. The Metromile Enterprise platform can help improve customer satisfaction and limit losses paid to false claims, which can reduce loss adjustment expenses by as much as 30 percent by automating customer experience, detecting fraud, and offering dynamic first notice of loss, the company asserts.

Customer Satisfaction and Industry-Leading Efficiency

“We are honored to help Tokio Marine focus on what it does best—putting its people and its customers first,” comments Dan Preston, CEO, Metromile. “Metromile Enterprise’s technology will enable Tokio Marine to use artificial intelligence to improve customer satisfaction, realize industry-leading operating efficiency, and take a significant leap as a technology-driven insurer.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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