Yeah I went with 7-11 last year, but upgraded to the AU. Worth it for the price difference and how much I ride.There is always the one from 7-eleven, cheap and cover most stuff. The coverage doesn't help with lawyer or much with hospitals, so people tend to prefer the au the has a better coverage for not so much more money.
Well you won't get that with the AU plan.Yeah, I am thinking more (maybe unreasonably) of a non-vehicular accident, maybe even my fault. Say "going around a corner, slipping on ice, crashing into other riders, everyone crashing into a concrete pillar" - that type of stuff. Could be out-of-pocket for a hundreds of thousands of yen.
I hear that she is a good raiderIn Japan if you crash in someone, even if they are in their bikes, your bike tag might be your smaller issue. Also, there are lots of people (in and out of bikes) that don't bike much attention to their surrounding, also lots go into roads without looking. So if you are a reasonable raider, and happens to get in a hit, it probably will involve people.
welcome to the forum!
I don't know about Montbell, but I have taken out au-Sonpo's Gold policy and can highly recommend it. I commute almost every day too and had a nasty accident in March in which I damaged a car. AU took care of everything, even offered legal counsel. It was worth every penny in my case.