Sightseeing tour/Guided tour in Japan Page 24

• Age 5～Age 99
• 2～3 hours
• 09:00 / 10:00 / 11:00 / 12:00 / 13:00 / 14:00 / 15:00 / 15:30

★This is the only field archery field in the Chugoku-Shikoku region.You can enjoy both the same target archery as the Olympics and the field archery set up in the forest. ★We will go around the course while enjoying forest bathing and trekking. Let's shoot 3 arrows at a time at one target!・There are 9 to 12 levels of targets.・Recommended for relieving stress! There is also a lecture by a veteran instructor, so even beginners can enjoy it with peace of mind ♪ ・ Feel free to join us empty-handed! We have a wide range of rental items for children to the elderly.・The beautiful natural scenery of each season, such as cherry blossoms, hydrangea, and maple leaves, is also a highlight. Flow of the day: 1. Visit and reception 2. Matching rental archery equipment 3. Archery lessons ( Approximately 15 minutes) ④ Practice with target archery (approximately 15 minutes) ⑤ Field archery course (approximately 1 hour 30 minutes) ⑥ In the remaining time, you can continue shooting with target archery! ⑦ Dissolution * The above flow is a guideline. Please note that the flow may change depending on the situation on the day.

• In Door Activity
• For Groups

• Age 1～Age 80
• Within 1 hour

Shot under the starry sky full of Miyakojima ! Draw feathers with pen light art, cute decoration as well. Tour with family, lover, friend and other starry sky photo can take a different picture.

• Girls Trip
• For Groups

• Age 3～Age 80
• 1～2 hours
• 10:30 / 13:30 / 16:00

[Plan Contents] Enjoy the great outdoors from the lake. Spend a relaxing time! A leisurely stroll around Lake Kawaguchi Kayak Course This is a 1 hour and 30 minute Lake Kawaguchi kayak experience course. The guide will give you a lecture on land, so even beginners can enjoy it easily. Even children and those who are not good at exercise can feel at ease! The guide will provide you with solid support ♪ You can kayak with your dog! The view of Mt. Fuji from the lake is sure to look great on Instagram! Guide will take a photo of you! You can also enjoy the majestic nature. [Price] ▼ Adults: 6,000 yen (tax included) ▼ Elementary school students and younger: 3,500 yen (tax included) *Please note that the price is different during the New Year holidays. <Flow of the day> ① AM 10:30/PM 13:30 Meet at NaturaBase If you need to change clothes and prepare, please come 15 minutes before. ↓ ② Lecture First, we will start with an explanation and practice on land. The guide will carefully lecture you on how to operate the kayak. Even first-timers can participate with confidence. Once you get used to it, you will go out to the lake and practice paddling. ↓ ③ Kayaking experience starts. We will provide you with a special moment! ↓ ④ PM12:00/15:00 NaturaBase Disbandment [What to bring] ・Change of clothes ・Towel ・Hat [Things you should bring] ・Sunscreen ・Sunglasses ・Glasses band [Clothing] In summer, please wear clothes and shoes that you don't mind getting wet. In spring, autumn, and winter, the temperature at Lake Kawaguchi can drop suddenly, so please dress warmly. In winter, we will lend you a cold weather jacket, boots, and gloves that you can wear over your own clothes for free!

• With Pets
• For Groups

• Age 3～Age 100
• Within 1 hour

Explore the night's buildings and surrounding forests and rivers, relying only on the lights' lights. The lights of fireflies that you find in the forest, swans that swim in the river, greenfly shrimp and seasonal creatures will tell you the fun and importance of nature. The journey time is approximately 1 hour.

• Nightlife
• For Groups

• Age 0～Age 100
• 1～2 hours
• 16:00 / 16:30 / 17:00 / 17:30 / 18:00 / 18:30 / 19:00 / 19:30 / 20:00 / 20:30

Depart from hotels, facilities and restaurants around Goryokaku and Yunokawa area! I will guide you to the popular bay area and the night view that is said to be 1 million dollars from Mount Hakodate ♪

• Nightlife
• Pickup Service
• For Rainy Days
• For Family

• Age 0～Age 100
• 3～4 hours
• 08:40 / 13:30

Arrival and departure at Kohamajima Snorkeling You can land on "Island of Illusion"half-day It is a plan of The travel time to the point is short, so there is less concern for small children and seasickness, so it's easy to enjoy! Experience colorful tropical fish and Churaumi Snorkeling"Experience! You can also land on the" phantom island "in the best location where you can hardly find it all over the world! It is a special tour that can be enjoyed with us who are the pioneers of the phantom island tour ♪ ♪

• For Rainy Days
• For Groups
• For Family

• Age 4～Age 65
• 2～3 hours
• 10:00 / 13:00

[Okinawa / Zamami Island] Flying SUP?! SUP cruising & snorkeling in the crystal clear waters of Zamami! A half-day SUP tour where you can meet sea turtles! *All tour photos are a gift! [Meet at the shop] (10:00 am, 1:00 pm) *We will be waiting for you with a sign at Zamami Port. *Guests who are already staying will be picked up at the inn. ↓ [Explanation at the beach] We will explain how to row a SUP, the conditions of the day, and points to note in an easy-to-understand manner. ↓ [SUP cruising] The destination will vary depending on the wind of the day, but you can go to a deserted island or look for sea turtles. ↓ [Snorkeling to the sea world] We will guide you through the beautiful sea world of "the sea that the world loves" by snorkeling. The sea of Zamami is home to many tropical fish and sea turtles. Let's enjoy the sea world with a spirit of intrusion! *Even if you are new to snorkeling and are not good at swimming, the guide will carefully follow up. ↓【Arrive at the shop】(Am.: 12:30, PM: 15:30) You will receive digital photos of the tour at the shop. ↓【Disband】Showers are available for use. ☆Experience fee☆Adults 8,800 yenChildren (elementary school students) 6,600 yen※Participation is conditional on being able to swim alone. ※If there are children in your family who cannot swim, they can wait on the beach with their guardian. Please consult with us in advance. ☆Included in the fee☆SUP set/Snorkel set/Life jacket/Wetsuit (winter only)/Guide/Transportation/Insurance☆Things to bring/Clothes☆Sun protection (sunscreen, hat, rash guard, sunglasses)/Sandals or marine shoes/Drinks/Towel※It is easier if you wear your swimsuit under your clothes. You cannot walk around the village in just your swimsuit and surf pants. ☆Notes☆※Please make a reservation for the boat to Zamami in advance. Boat reservations can be made online 2 months in advance and by phone 1 month in advance. Zamami Village Office Naha Branch (10:00 - 17:00) *Depending on the weather and conditions of the day, the tour may be canceled for safety reasons. Duration: Less than 3 hours Price includes: SUP set / Snorkel set / Life jacket / Wetsuit (winter only) / Guide / Pick-up / Insurance

• Age 0～Age 100
• 2～3 hours

We will guide you around Hakodate sightseeing with the best sightseeing course recommended, the perfect size ♪

• Pickup Service
• For Rainy Days
• For Family

• Age 0～Age 80
• Within 1 hour
• 17:10 / 17:40 / 18:10 / 18:40 / 19:10 / 19:40 / 20:10 / 20:40 / 21:10

Very popular!! The main course for sightseeing in Dotonbori! This is Osaka!! An elegant cruise down the Dotonbori River! This is a 20-minute course where you can see the Glico sign and the downtown area from the river. Unlike large boats, you can relax and enjoy sightseeing on the lounge sofa seats! You can bring your pet dog on board! (Please let us know when you make your reservation.) You are free to bring food and drinks, so you can enjoy it in a cafe atmosphere!

• For Groups
• For Family

• Age 13～Age 70
• 3～4 hours
• 09:00 / 13:15

Canyoning is a tour where you can enjoy nature by walking in the clean water at the headwaters of the river, letting yourself in the flow of the river, jumping into the river, and sliding on a natural waterslide. Why don't you enjoy the short summer in Hokkaido ♪

• For Groups

• Age 0～Age 100
• 1～2 hours
• 18:00

It is a plan to land on "Phantom Island" at sunset time, arriving and leaving Kohama Island♪ Traveling from Kohama Island to point is short, so there are few worries about small children and seasickness, so it's easy to enjoy! You can play on the beautiful sandy beach on the "phantom island" in the best location that you can rarely meet even if you look around the world! !! It is a special tour that we can enjoy together with us as a pioneer of phantom island tour ♪♪

• For Rainy Days
• For Groups
• For Family

• Age 0～Age 70
• Over 6 hours on the day
• 09:00

=Fully private tour=Choose intuitively from the four plans! Enjoy a wonderful trip surrounded by the beauty of nature, with captivating views, sounds and breezes. Experience the island's charms to the fullest. Tours available from 9:00 to 16:00! 1. Spectacular photo tour of northern Amami Oshima 2. Mangrove canoe & spectacular photo tour 3. Mangrove canoe & trekking tour to a waterfall in the primeval forest (trekking or trekking & waterfall exposure) 4. Spectacular photo tour & trekking tour to a waterfall in the primeval forest (trekking or trekking & waterfall exposure)

• Pickup Service
• For Rainy Days
• For Family

• Age 4～Age 60
• 1～2 hours

The striking pink SUP is super cute ^_^ The Phantom Uni Beach is floating on the sea about 1.4 kilometers away from the Irabu Bridge that connects Miyako Island and Irabu Island! It is also known as the "Phantom Island" because it only appears at low tide and never has the same shape or size again. It is a very popular spot on Miyako Island. From the beautiful private white sand beach, you can enjoy a 360° panoramic view of the magnificent Miyako blue sea, and enjoy the mysterious feeling of standing on the horizon. *Please note that the point may be changed to other than "Uni Beach" depending on the wind direction and wind speed on the day.

• For Rainy Days
• For Groups
• Summer Campaign Sale 2025

• Age 4～Age 100
• 1～2 hours
• 19:30

Shiretoko is a treasure trove of wildlife. On this tour, you will travel by car into the national park at night, and after a lecture, you will search for wildlife while riding in the car. The excitement of spotting the glowing eyes of an animal hiding in the darkness at the end of your light will surely become an irreplaceable memory. Enjoy the rich nature of Shiretoko through this tour, which has the highest rate of wildlife encounters of any of our tours. *There will be no walking tours.

• Pickup Service
• For Rainy Days

• Age 0～Age 90
• 3～4 hours
• 08:30 / 13:00

Ishigaki island Arrival and departure at Ishigaki port remote island terminal Snorkeling You can land on "Island of Illusion"half-day It is a plan of Experience colorful tropical fish and Churaumi Snorkeling"Experience! You will be able to land on the" phantom island "in the best location that you will rarely find in the world! It is a special tour that can be enjoyed with us who are the pioneers of the phantom island tour ♪ ♪

• For Rainy Days
• For Groups
• For Family

• Age 0～Age 100
• Over 6 hours on the day

Reference schedule 08:00 Pick-up in Sapporo 09:10 Nakayama Pass 11:25 Silo Observatory 11:55 Lake Toya & Meals 14:10 Noboribetsu Jigokudani 16:00 Dissolution in Sapporo Lake Toya / Noboribetsu Sightseeing Free Plan / 8 Hours (Sapporo Departure / Arrival) You can make your own sightseeing plan, or the local staff will make a recommended plan according to your consultation and wishes. Number of participants vehicles (maximum) Crown 4 people Alphard 5 people Hiace 8 people * Please let us know in advance the number of Number of participants Number of participants, the number of luggage and the size of the luggage, we may not be able to respond to your request such as a vehicle.

• Pickup Service
• For Rainy Days
• For Family

• Age 3～Age 60
• Over 6 hours on the day
• 07:50

This is a one-day bus tour from Sapporo to Noboribetsu and Lake Toya. You can visit the source of Noboribetsu Onsen and the crater remains of Jigokudani, as well as experience the natural beauty of Hokkaido, including Lake Shikotsu, one of the clearest lakes in Japan, Lake Toya, the third largest caldera lake in Japan, and Showa Shinzan. ~Experience Outline~ [Time Required] Approximately 8 to 10 hours [Bus Departure Time and Boarding Location] 08:00 Sapporo TV Tower Information Center (Meet at 07:50) 08:00 Sapporo TV Tower Information Center (Meet at 07:50) 09:35 Arrival 10:10 Departure Jigokudani [Get off and visit] (Approx. 35 minutes) 10:50 Arrival 11:15 Departure Chikyu Misaki [Get off and visit] (Approx. 25 minutes) 12:00 Arrival 12:40 Departure Showa Shinzan Bear Ranch [Get off and visit] (Approx. 40 minutes) 12:50 Arrival 14:00 Departure Lake Toya Onsen Town [Free lunch and free visit] (Approx. 70 minutes) 14:15 Arrival 14:40 Departure Silo Observatory [Get off and visit] (Approx. 25 minutes) 16:00 Arrival 16:35 Departure Lake Shikotsu [Get off and visit] (Approx. 35 minutes) [Tour end time and bus drop-off location] 17:55 Arrival Sapporo TV Tower (drop-off) *Times are approximate. Time may vary depending on traffic conditions.

• For Rainy Days
• For Groups

• Age 5～Age 60
• Over 6 hours on the day
• 09:00

Half the day is a sea turtle snorkeling tour in the ocean! The remaining half day is a choice of three land-based nature tours in Amami! *Which tour will be done first will be decided by the shop the day before after checking the forecast. [Sea Turtle Snorkeling Tour] A guided snorkeling tour that you can enjoy with peace of mind by entering from the beach. First-timers are welcome, and anyone aged 5 to 60 can participate. Even in winter, when you are worried about the cold, enjoy the winter sea, which has more beautiful days than summer, with a waterproof suit that won't get wet, a "dry suit"! I want to take a peek into the beautiful blue sea of Amami! I want to meet sea turtles! If you are such a person, please join us. ・From mid-June to early October, when the water temperature is high, wear a life jacket over your swimsuit. You can enter the sea comfortably! ・In the spring, April to early June, autumn, and mid-October to November, you can wear a wetsuit for comfort! ・In the winter (December to March), when the cold is a concern, wear a waterproof suit that won't get cold. Go into the sea in a dry suit! *During peak seasons, other guests may join the snorkel tour. [Choose from 3 sightseeing nature tours] This tour is completely private, and you can choose from popular and highly satisfying tours! 1. "Northern Amami Spectacular Photo Tour" A tour of hidden scenic spots in the northern part of Amami Oshima, including beaches and highlands. 2. "Mangrove Canoe Tour" A soothing canoe experience tour in the uncharted world of mangrove virgin forests. 3. "Trekking tour to virgin forest waterfalls" Soak up negative ions in a mysterious virgin forest where you rarely meet other people! ・Walking course: Walk along an easy forest path to the waterfall. ・Active course: Walk through clear streams and sometimes climb rocks. ・Course where you are hit by waterfalls: Unimare's top recommendation! Choose with your intuition (^^♪

• Pickup Service
• For Rainy Days

• Age 7～Age 60
• 3～4 hours
• 09:00 / 13:00

When you search Amami Oshima, you will come across the famous "Kinsakubaru Primeval Forest." However, on the other hand, the forest is becoming constantly filled with cars and people during the day. The Kinsakubaru Primeval Forest is wonderful, but our tours offer a unique, slightly different kind of primeval forest tour! 1. Trekking course to the virgin forest waterfall: A nature exploration that tickles your sense of adventure 2. Trekking to the virgin forest waterfall & being hit by the waterfall course: Experience the power of nature with your whole body Each course allows you to enjoy Amami's rich nature from a different angle. Please choose intuitively!

• Pickup Service
• For Rainy Days

• Age 0～Age 90
• 4～5 hours
• 08:30 / 13:00

It is a plan to enjoy the sea by experiencing "snorkeling", "phantom island" and "boat fishing" from Ishigaki Port remote island terminal on Ishigaki Island ♪ "Snorkeling" experience to experience colorful tropical fish and Churaumi! You can even land on the "phantom island" in the best location you can rarely meet even if you look around the world! !! It is a special tour that you can enjoy with us who are pioneers of the phantom island tour ♪♪ All plans are for beginners, so even children can participate with confidence!

• For Rainy Days
• For Groups
• For Family

• Age 0～Age 90
• 4～5 hours
• 09:30

★ Regarding "Request Reservations" If your desired date is "Request", it may not be sold out but may be available under certain conditions. (If it is an early morning departure or afternoon operation) After receiving your request reservation, we will inform you of the conditions and confirm your reservation, so please make a request first. While enjoying a 25-minute underwater tour on a glass-bottom boat, we will guide you to "Hatenohama", an island made of sand and coral fragments floating about 3 kilometers southeast of Kumejima. *Prices will be increased from early April 2024 due to rising prices. We will increase the price as soon as the procedure is completed, so until then, please use the current price. The one-day tour takes about 4 hours and 30 minutes, and the stay at Hatenohama is about 3.5 hours (including lunch), so it is recommended for those who want to enjoy Hatenohama at a leisurely pace. In addition to swimming in the sea, you can also enjoy a stroll around Hatenohama. Optional snorkel rentals are also available! ☆The charm of Hatenohama☆1: The main thing is the sea! The sea around Kumejima is known for its transparency, but the sea at Hatenohama is by far the clearest. You can even see the coral 2-3 meters below the surface in the emerald green sea. 2: Endless sandy beach The view of the white sandy beach lit up by the sunlight stretches out endlessly, giving you a feeling of air you can't experience in your everyday life. 3: A wide sky with a 360-degree view Since there is nothing around, you can see the sky that stretches out in 360 degrees. Just watching the cumulonimbus clouds moving on the wind and the plane trails flying high into the sky makes you feel the majesty of nature.

• Pickup Service
• For Groups
• For Family

• Age 4～Age 65
• 1～2 hours

You don't need to have a jet ski license to ride! The Phantom Uni Beach is located about 1.4 kilometers away from the Irabu Bridge that connects Miyako Island and Irabu Island, and it is a very popular photo spot on Miyako Island. It is also known as the "Phantom Island" because it only appears at low tide and never has the same shape or size again. From the beautiful private beach of Shirahama, you can enjoy a 360° panoramic view of the Miyako blue sea, and you can enjoy the mysterious feeling of standing on the horizon.

• For Rainy Days
• For Groups
• Summer Campaign Sale 2025

• Age 0～Age 100
• Within 1 hour
• 10:00 / 11:00 / 12:00 / 13:00 / 14:00 / 15:00 / 16:00 / 17:00

Experience a river cruise in Yanagawa, one of Fukuoka's most famous tourist spots. Over 400 years ago, during the Edo period, Yanagawa flourished as a castle town. To create the castle town, moats were built all over the area, and these moats are now the stage for the river cruise. As you are rocked on a "donko boat," enjoy the seasonal scenery along the course, including cherry blossoms, irises, and autumn leaves. Once you board the boat, a beautiful waterfront view will unfold before your eyes.

• For Groups
• For Family

• Age 3～Age 65
• 1～2 hours
• 06:30

☆Why not spend a luxurious morning in the tropical sea? ☆The sea is often calm in the early morning, so SUP is recommended! ☆Beginners are also welcome! ☆One drink service ☆There is also a cafe so you can take a break after the experience!

• For Rainy Days

• Age 10～Age 60
• 3～4 hours
• 08:40 / 13:30

Arrival and departure at Kohamajima, "experience"Diving"Can do half-day It is a plan of Experience the experience of weightlessness while experiencing colorful tropical fish and Churaumi Diving 30 on Kohama Island Year It is a special tour that can be enjoyed with us who are

• For Rainy Days

• Age 5～Age 90
• 2～3 hours

We will tour Akihabara's hidden TGC shops, hobby and game shops that can only be found in Japanese and cannot be searched on Google Maps in English. Since the staff at Japanese TGC shops, hobby and game shops cannot speak English, I will be in charge of giving advice and translating. Each TGC shop has its own characteristics, such as shops with many old cards, shops with many rare and expensive cards, and shops with many goods, so if you tell us what kind of shop you want to go to, we can arrange a tour for you. Let's go on a journey to experience Japan's TGC shops together, with stress-free communication.

• For Rainy Days
• For Groups

• Age 0～Age 75
• 3～4 hours
• 16:30 / 17:30

Enjoy the untouched nature of Ishigaki Island's "West Peninsula"! Your guide will lead you to scenic spots that are not listed in guidebooks! Our veteran guides will take the best photos that blend in with the magnificent nature! You will also receive free photo data that will become a memory of your trip. *Drone photography option can be added (due to limited number of drones, it will be on a first-come, first-served basis. Also, it may not be possible to accept due to weather.) *Half price for children aged 6 to 12! *For photos, we recommend a relatively early time ☆ *Groups must consult with us. Meet at the store (30 minutes before the start) ↓ ● Preparation before departure After reception, we will explain how to operate the vehicle and then get on! It's okay if you are riding for the first time or are nervous about driving ♪ Our staff will accompany you on a practice run until you can ride. ↓ ■ Guided course ● Spot 1 Onozaki Lighthouse ・ A mysterious place that is also said to be "the place where God descends". Onozaki. ・A magnificent and open view created by nature that has also been used in music videos of famous artists! ●Spot 2: A great view point overlooking Yarabu Bridge and the Yaeyama Islands! The water is also crystal clear◎●Spot 3: Yaeyama Farm - A hidden spot that is not listed in guidebooks! ・The contrast between the green of the natural grass and the gradation blue of the sea is breathtakingly beautiful●Spot 4: Sakieda Minamihama - A beach where locals relax - There is also a large wooden swing that looks great in photos♪↓■Arrival and disband at our shop EVOLRIDE※We can also set the time and course according to your requests, so if you have any requests, please feel free to contact us when making a reservation. ■Free transfer to your hotel and remote island terminal! ■Regular driver's license required (AT only acceptable)■If you are pregnant, under the influence of alcohol, or if we determine that you are unable to drive properly, we will refuse to allow you to participate in the tour or rent a vehicle. ■If you have any questions about the pick-up location, rental on the day, tour participation, etc., please feel free to contact us. ■Notes■※If danger is expected due to bad weather, we may call you to cancel. *Please note that if you do not follow the guide's instructions or engage in dangerous behavior, the tour may be interrupted. *Please be sure to bring your driver's license with you on the day. If you forget, a cancellation fee will be charged. Member of the Ishigaki City Tourism Association

• Pickup Service
• With Pets
• For Groups
• For Family

• Age 0～Age 80
• Within 1 hour /1～2 hours
• 13:20 / 14:20 / 15:20 / 16:20 / 17:20 / 18:20 / 19:20 / 20:20

Very popular! ! A 50-minute long course of Dotonbori sightseeing exclusive to Indy Cruises! This is Osaka! ! Cruise the Dotonbori River in style! You can take photos from the river at the very popular Glico signboard! In addition, after passing through the downtown area of ​​Dotonbori, you can enjoy a relaxing cruise through a quiet residential area. We recommend that you bring your own food and drinks for this course!

• For Groups
• For Family

• Age 0～Age 100
• 2～3 hours

We will guide you around Hakodate sightseeing with the best sightseeing course recommended, the perfect size ♪

• Pickup Service
• For Rainy Days
• For Family

• Age 4～Age 65
• 1～2 hours /2～3 hours
• 05:30

[Okinawa, Zamami Island] Exclusive to Zamami Stay! Sunset SUP tour! ✴︎Photo shoot included✴︎Watch the sunset at the end of the day... [Meet at the shop] (Meet 30 minutes before) *If you need someone to pick you up, we will come to pick you up. When you are ready, move from the shop to the beach by car. ↓ [Beach explanation] We will explain how to row a SUP, the conditions of the day, and points to note in an easy-to-understand manner. ↓ [Sunrise SUP Cruising] The location will vary depending on the wind of the day, but it is a relaxing sunrise cruise. Enjoy the best sunrise on the sea! ! *Drip coffee during the break on the beach! ! ↓ [Arrive at the shop] (within 30 minutes after sunset) You will receive a digital copy of the tour photos at the shop. ↓ [Disband] ☆Experience fee☆ Adults 6,600 yen Children (elementary school students) 4,400 yen *Participation is conditional on being able to swim alone. *If you have a child who cannot swim in your family, you can have them wait on the beach with their guardian. Please consult us in advance. ☆What is included in the price☆SUP equipment/Snorkel set/Life jacket/Wetsuit (winter only)/Guide/Transportation/Insurance☆What to bring/Clothing☆Sun protection (sunscreen, hat, rash guard, sunglasses)/Sandals or marine shoes/Drinks/Towel*It is best to wear your swimsuit underneath your clothes. You cannot walk around the village in just your swimsuit and surf shorts. ☆Notes☆*Please make a reservation for the boat to Zamami in advance. Boat reservations can be made online from 2 months in advance and by phone from 1 month in advance. Zamami Village Office Naha Branch (10:00 - 17:00) *Depending on the weather and conditions on the day, the tour may be canceled for safety reasons. Duration 1 hour 30 minutesWhat is included in the priceSUP equipment/Snorkel set/Life jacket/Wetsuit (winter only)/Guide/Transportation/Insurance