Berjaya Sompo Private Motor Insurance - comprehensive protection
SOMPO Motor is a comprehensive car insurance policy designed to protect you and your finances against loss or damage to your vehicle resulting from road accidents, fire, or theft. Additionally, it covers your legal liability for third-party bodily injury, death, and property damage.
While you may be a cautious driver, unpredictable events such as vehicle theft while you are away or accidents caused by other motorists are beyond your control. Securing comprehensive coverage online helps safeguard your finances against unexpected, high out-of-pocket costs.
What kind of vehicles can I insure with this policy?
This policy covers Private Cars used for personal or business purposes (own use only). Coverage for motorcycles is under a separate dedicated policy (SOMPO Bike). Bear in mind that you cannot be covered under the following circumstances:
- When you provide your vehicle for hire (unless the optional Private Hire / e-Hailing add-on is purchased)
- Used for racing on the road, especially those illegal ones!
- Used for any purpose in the Motor Trade
What built-in benefits and optional add-ons are available?
1. Automatic Built-In Benefits (No Extra Charge):
- All Drivers Covered: Automatically covers any authorized driver for individual private cars without requiring named drivers or extra fees.
- Emergency Extras: Includes Flood Relief Allowance, Key Care Cover, Window Snatch Theft Allowance, and Ambulance Fees.
- 12-Month Repair Warranty: Applicable for repairs carried out at authorized panel workshops.
- Unlimited Towing Costs & 24/7 Roadside Assistance: Complete breakdown and towing assistance across Malaysia.
2. Optional Add-On Coverage:
If you require specialized protection, you can opt for additional riders:
- Motor N-hancer / Enhancer Pack: A bundled add-on providing key replacement, waiver of betterment costs, and specialized EV protection (such as charger damage and out-of-charge towing).
- Windscreen Damage: Repair or replacement without affecting your No Claim Discount (NCD).
- Special Perils Cover: Protection against natural disasters including floods, typhoons, and landslides.
- Private Hire Car (e-Hailing): Coverage for private vehicles used for ride-sharing services.
- Passenger & Accessory Cover: Legal Liability to/of Passengers and protection for custom vehicle accessories (e.g., sound systems, customized rims).
How are my premium payments determined?
Your premium is calculated through a risk-based assessment taking into account factors such as your vehicle’s total Sum Insured, engine capacity, vehicle age, driver demographics, and your No Claim Discount (NCD) entitlement.
Note: In accordance with Malaysian tax regulations, premiums are subject to an 8% Service Tax (SST) and stamp duty.
Do I have to pay an excess to Berjaya Sompo for accident claims?
A compulsory excess of RM400 applies to own-damage accident claims if the driver at the time of the incident is under 21 years of age or holds a Learner (L) or Provisional (P) license. Because SOMPO Motor covers all authorized drivers by default, there is no additional "unnamed driver" penalty.
