株式会社アイワークス (iWorks), as a non-life insurance agent of Mitsui Sumitomo Insurance Co., Ltd., conducts insurance solicitation appropriately in accordance with the following policy.
1. Compliance with laws and other requirements
We comply with the Insurance Act, the Insurance Business Act, the Act on the Provision of Financial Services and the Development of an Environment for Their Use, the Consumer Contract Act, the Act on the Protection of Personal Information, other relevant laws and regulations, supervisory guidelines, and rules established by the insurer.
2. Understanding customers' intentions and needs
We seek to understand the intended use of the vehicle, who will drive it, the customer's wishes concerning coverage, their current insurance arrangements and other intentions and needs, and strive to select and propose products that reflect them.
3. Clear explanations and information
To help customers fully understand a product, we use the contract overview, information on important points requiring attention, and other materials to clearly explain coverage, premiums, the insurance period, principal circumstances in which claims cannot be paid, deductibles, disclosure obligations and other important matters. We do not make definitive statements about matters that are uncertain.
4. Consideration of each customer's circumstances
We consider the customer's product knowledge, experience, financial circumstances, reasons for taking out insurance, age and other relevant factors as a whole, and strive to provide explanations and procedures appropriate to their intentions and actual circumstances.
5. Consideration of solicitation methods and timing
We respect the customer's convenience and give due consideration to the time, place, communication channel and method of solicitation. We do not continue solicitation that the customer does not want.
6. Handling personal information
We appropriately manage personal information collected in connection with insurance solicitation in accordance with the Act on the Protection of Personal Information, our Privacy Policy and the underwriting insurer's requirements.
7. Our role and authority as an agent
When soliciting insurance, we explain the name of the underwriting insurer, our authority as an agent, whether we are authorised to receive disclosures, and other matters necessary for the customer to decide whether to enter into a contract. Our actual authority varies according to the product and contract procedure. Please check the written materials provided during the solicitation process.
8. Checking application details
We confirm whether the proposed arrangements meet the customer's intentions and explain the matters that must be disclosed and the importance of disclosure. After the customer has checked the application details, we carry out the procedures in the prescribed manner.
9. Training and management
We train and manage those engaged in insurance solicitation in product knowledge, relevant laws and regulations, appropriate solicitation procedures, personal information protection and related matters, and strive to improve the quality of our solicitation activities.
10. Responses to complaints and requests for advice
We take comments, complaints and requests for advice about insurance solicitation seriously, respond appropriately in cooperation with the underwriting insurer, and use them to improve our future operations.
Insurer represented: Mitsui Sumitomo Insurance Co., Ltd.
Agent: 株式会社アイワークス (iWorks)
Enquiries: 052-602-7204
