Our Structure

Built for success

We’re part of an ecosystem driving the future of connected mobility protection.

At AND-E, we build our strength and expertise upon three key insurance entities: AND-E SE, covering continental Europe; AND-E UK, operating in the United Kingdom; and AND-E Life, our life insurance subsidiary based in Germany. These pillars operate in synergy, serving as the driving force behind numerous renowned brands.

Our group

Explore our organisational chart to find out how each part of our group drives our success. Simply click on one of the boxes below.

Europe
Toyota Motor Corporation

Toyota Motor Corporation

As one of MS&AD’s largest shareholders, Toyota Motor Corporation is a global automotive giant. It stands as Japan's largest automobile manufacturer and ranks among the world's foremost automotive companies.

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Toyota Financial Services Corporation

Toyota Financial Services Corporation

Owned by Toyota Motor Corporation, Toyota Financial Services provide retail and wholesale financing, retail leasing, and other financial services to Toyota and Lexus customers. Toyota Financial Services is also a significant shareholder in Toyota Insurance Management.

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Toyota Financial Services UK

Toyota Financial Services UK

A wholly-owned UK subsidiary of Toyota Financial Services Corporation.

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Toyota Insurance Management

Toyota Insurance Management

Established in 1999 as a joint venture between AND-E (majority shareholder) and Toyota Financial Services UK, Toyota Insurance Management is Toyota’s centre of excellence in Europe.

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EAR branches and subsidiaries

EAR branches and subsidiaries

Toyota Insurance Management provides insurance products and services to Toyota and Lexus customers across over 30 markets in the Europe and Africa regions.

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Distribution
MS&AD Insurance Group

MS&AD Insurance Group

Our ultimate parent company is Japan's largest non-life insurer and ranks among the world's largest non-life insurers. Established in 2010 through the merger of Aioi Insurance Co., Ltd., Nissay Dowa General Insurance Co., Ltd., and Mitsui Sumitomo Insurance Group, it currently operates in over 40 countries. MS&AD's overarching vision is to forge a leading insurance and financial services group committed to sustainable growth and enhanced corporate value.

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Aioi Nissay Dowa Insurance Company Limited

Aioi Nissay Dowa Insurance Company Limited

ANDI is our Japanese parent company. It was established through the merger between Aioi Insurance Co., Ltd. and Nissay Dowa General Insurance Co., Ltd,. which are both members of the MS&AD Insurance Group Holdings

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Aioi Nissay Dowa Europe

Aioi Nissay Dowa Europe

Our European Holding company, registered in the UK.

AND-E SE

AND-E SE

Our EU-based insurer, registered in Luxembourg. It currently operates in Europe through branches in Germany, Spain, France, Italy, and Belgium.

AND-E Life

AND-E Life

A Germany-based subsidiary of AND-E SE, AND-E Life is our dedicated life insurance company offering payment protection insurance products throughout continental Europe.

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EAR Branches

EAR Branches

Our insurance presence in Europe is rooted in six key locations, including the United Kingdom, Germany, Italy, Spain, France, and Belgium.

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AND-E UK

AND-E UK

Our UK-based insurer, with offices across various locations including London, Newcastle and Epsom.

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Insurance
Aioi Technology (including MOTIX Connected)

Aioi Technology (including MOTIX Connected)

A Germany-based subsidiary servicing our European group of companies. With the goal to drive a digital-first strategy for our organisation, Aioi Technology ensures we remain at the forefront of connected technologies and fosters a more customer-centric and data-driven approach to insurance.

Aioi R&D Lab - Oxford

Aioi R&D Lab - Oxford

Established in 2023 as a joint venture with our Japanese parent company ANDI and an Oxford University spin-off named Mind Foundry, the lab´s mission is to solve global-scale societal issues through the creation of products and services powered by AI technologies.

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Technology
Our network

Toyota´s partners in smarter protection.

We extend our expertise further through Toyota Insurance Management, our subsidiary dedicated to delivering insurance solutions for Toyota and Lexus. Covering an extensive network of over 30 European markets and South Africa, we proudly operate under the trusted brands of Toyota Insurance Services and Lexus Insurance Services.

Our markets