The insurtech has been working with Tokio Marine since 2018 

Tokio Marine has partnered with insurtech Tractable to use its artificial intelligence (AI) solution to process auto damage across its insurance operations in Japan.

The insurer said it will accelerate how quickly claims can be processed for policyholders with the hope of resulting in more accurate auto repairs.

Tokio Marine will use the solution to understand the full range of repair decisions available to it, including recommended repair, paint and blend operations as well as the labour hours required.

It follows the successful trialling at one of its claims service centres in Japan in April 2020. It now aims to deploy this across the country.

Alex Dalyac, co-founder and chief executive, Tractable, said that the insurtech was “honoured to be selected as the AI partner” of Tokio Marine.


Tokio Marine has worked with Tractable since 2018 with the ambition of improving appraisal question operations for complex visual assessments using computer vision.

Hidenori Kobayashi, Tokio Marine’s group deputy general manager, said: “In Japan, after an accident it can take two to three weeks to determine the amount that should be paid. By using Tractable’s world-leading AI to assess car damage, we expect to shorten that time considerably, cementing our position as a company proud to pioneer new technology that transforms the claims journey for our customers.”

Meanwhile Tokio Marine is also using a new product developed by Tractable called Loss Adjuster Application.

This enables the insurer to set their own QA checks (quality assurance) for repairers, ensuring repairs are carried out to set standards.  It also speeds up the time it takes for the adjuster to agree with the body shop on work needed to repair the car, capturing negotiation results.


Dalyac added: “We see this as testament to the quality of our technology, the maturity of our solution and trust in our people. Computer vision is accelerating accident recovery; the technology is here, it’s on the ground and it’s making a difference.”

Using AI can increase the speed of remotely reviewing claims by removing inefficiencies from the process, helping insurers and repairers to agree on repairs quicker, and getting customers back on the road faster.

Tractable’s AI solution uses computer vision and machine learning. It is able to look at photos of car damage and makes sense of them as a human would in near real-time. The AI is trained on many millions of photos of car damage as well as human appraiser decisions, and the algorithms learn from experience by analysing a large variety of different examples.

It is globally applicable to any vehicle.

The technology allows insurers to evaluate the damage to a vehicle, based on photos provided by repairers, appraisers or policyholders via a platform, Tractable’s AI shares repair method recommendations and guides the claiming process to ensure each one is settled as quickly as possible.

Tractable’s AI has processed more than $1bn in auto claims for Ageas, Covéa, and Warta-Talanx.

Read more…Adjusting to loss in the Covid-19 world 

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Loss Adjuster Inspecting Car Involved In Accident