SOMPO Motor explained: benefits, limits and the fine print
Berjaya Sompo's comprehensive car plan pairs unlimited towing with a usage-based variant that can cut premiums by up to half. Here is what the published page covers.
SOMPO Motor is Berjaya Sompo's comprehensive private car insurance product, covering accidental or fire damage to your own vehicle, theft, and liability to other parties for injury, death or property damage. The details here reflect the insurer's own published product page as retrieved in August 2026; benefits, add-on pricing and discount structures can change, so check the current product disclosure sheet before buying.
What comprehensive cover means here
As a Private Car Comprehensive policy, SOMPO Motor sits at the fuller end of the cover types generally available in the Malaysian motor market, which range from the minimum legally required Act cover, through third-party and third-party-fire-and-theft cover, up to comprehensive cover that also protects your own vehicle. Berjaya Sompo's page lists five headline features for the standard SOMPO Motor plan:
- Unlimited towing costs, rather than a capped allowance.
- Convulsions of nature cover, the special perils extension that protects against flood and similar natural events, included as standard rather than sold separately.
- All-driver protection, meaning the policy is not restricted to named drivers only.
- A 12-month repair warranty on repairs carried out under the policy.
- 24-hour auto assist, described as round-the-clock roadside support.
Unlimited towing and included special perils cover are both worth noting specifically, since some comprehensive policies elsewhere in the market cap towing costs or sell flood and natural-disaster cover as a separate add-on rather than including it by default.
Add-ons for personal accident and medical costs
The base SOMPO Motor policy is focused on the vehicle and third-party liability; personal injury protection for the driver is offered through add-ons rather than built into the standard plan. Berjaya Sompo offers Auto Plus PA and Easy Rider PA add-ons providing up to RM50,000 for death or permanent disablement, and a medical-expenses add-on providing up to RM150 in daily hospital income and surgical reimbursement up to RM3,000. Anyone relying on their motor policy for meaningful personal injury cover, rather than a separate personal accident or medical plan, should check whether these add-ons are included in their quotation, since they are not part of the core comprehensive benefits listed above.
SOMPO MotorSafe: the usage-based alternative
Berjaya Sompo also sells SOMPO MotorSafe as a distinct product line alongside standard SOMPO Motor, aimed at drivers who cover fewer kilometres and want a premium that reflects that. It offers three different mileage-based plans, with a discount of up to 50% on premium for lower-mileage drivers, tracked through a SOMPO Tag device. It keeps the same core protections as standard cover, including all-driver protection, 24-hour auto assist and the 12-month repair warranty, while pricing the premium around actual usage rather than a flat annual rate. This is worth comparing against the standard plan specifically for anyone who drives well below average annual mileage.
What the product page does not spell out
Berjaya Sompo's page does not publish a price for either SOMPO Motor or SOMPO MotorSafe; premiums depend on the vehicle, driver profile, coverage choices and, for MotorSafe, the mileage tier selected, and are generated at quotation. The page also does not detail exclusions, the claims process, or how the agreed-value-versus-market-value choice applies to a specific vehicle, all of which sit in the product disclosure sheet rather than the marketing page.
What to check before buying
- Whether the policy is written on an agreed value or market value basis, since this decides how a total-loss claim is calculated and the two can produce very different payouts.
- Whether PA and medical add-ons are already included in your quotation or need to be added separately.
- How the SOMPO Tag mileage tracking works for MotorSafe, including what happens if you exceed your chosen mileage tier during the policy year.
- Your No Claim Discount treatment, and whether an Own Damage Knock-for-Knock claim is available if an accident was not your fault.
Talk to an advisor
Choosing between standard comprehensive cover and a usage-based plan like MotorSafe depends on how much you actually drive, and the add-ons that matter most vary by driver. A licensed advisor can compare SOMPO Motor against other motor plans on the portal for your specific vehicle and driving pattern. Reach one through our advisor directory.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
