東京海上日動 (Tokio Marine & Nichido) vs 三井住友海上 (Mitsui Sumitomo Insurance): which is better? Comparison 2026
By our public methodology 東京海上日動 (Tokio Marine & Nichido) scores 100 out of 100 and 三井住友海上 (Mitsui Sumitomo Insurance) scores 86. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| 東京海上日動 (Tokio Marine & Nichido) | 三井住友海上 (Mitsui Sumitomo Insurance) | |
|---|---|---|
| Reliability | 100 | 75 |
| Service | 100 | 100 |
| Products | 100 | 100 |
| Transparency | 100 | 75 |
Pros and cons
東京海上日動 (Tokio Marine & Nichido)
- Long track record as a licensed insurer
- Wide range of products for private customers
- Holds a financial strength rating from a recognised agency
- Publishes annual financial reports
三井住友海上 (Mitsui Sumitomo Insurance)
- Long track record as a licensed insurer
- Wide range of products for private customers
- Publishes annual financial reports
- Policies can be bought online
Facts side by side
| Fact | 東京海上日動 (Tokio Marine & Nichido) | 三井住友海上 (Mitsui Sumitomo Insurance) |
|---|---|---|
| Licensed since | 1879 tokiomarine-nichido.co.jp | 1918 ms-ins.com |
| Buy a policy online | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Rating from a rating agency | Yes tokiomarine-nichido.co.jp | Not verified |
| Financial reports online | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Part of a group | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Report a claim online | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Mobile app | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| 24/7 phone line | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Offices in the country | 105 tokiomarine-nichido.co.jp | 352 ms-ins.com |
| Retail lines offered (of 6) | 6 tokiomarine-nichido.co.jp | 6 ms-ins.com |
| Policy terms online | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Complaints procedure published | Yes tokiomarine-nichido.co.jp | Yes ms-ins.com |
| Calculator or tariffs | Yes tokiomarine-nichido.co.jp | Not verified |