Be secure in the knowledge that you and your car are protected, whatever the circumstances. Private Motor insurance against loss or damage to your private car or damages caused to others.
Type of Covers
Comprehensive
The cover offers protection against financial loss because it covers fire, explosion, lightning, burglary, housebreaking or theft and accidental damage to the Insured's vehicle in addition to the protection against the legal liabilities to third party for death and bodily injury and damage to property that may arise through the negligence of the driver/rider.
Third Party, Fire and Theft
The cover offers protection for your vehicle against loss or damage caused by fire, explosion, lightning, burglary, housebreaking or theft in addition to third party property damage/bodily injury caused by the negligence of the driver/rider.
Third Party
The cover offers protection against financial loss as a result of damage the driver of the vehicle may cause to the property of a third party. It also provides protection against any claims that may arise because of the death of or injury to another person through the negligence of the driver/rider.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Berjaya Sompo Insurance Berhad or PIDM (visit www.pidm.gov.my)
Both individuals and companies can purchase Private Motor policy.
- Explore additional benefits like enhanced windscreen protection, legal liability to passengers, and a personal accident add-on—all available for a nominal premium increase
- Expand your coverage with a wide range of additional protections when you opt for the Comprehensive Plan.
Additional Information
Add-Ons
Optional benefits that you may wish to purchase as below by paying additional premium:
- Enhanced Cover for Windscreens, Windows and Sunroof
- Legal Liability to Passengers
- Personal Accident Add On
Optional benefits available for Comprehensive cover as below by paying additional premium:
- Inclusion of Special Perils
- Separate Cover for Accessories Fixed to Your Car
- Current Year “NCD” Relief
- Compensation for Assessed Repair Time (CART)
- Accident Support Repair Plus
- Private Hire Car - for car used for e-hailing services
- Compensation for loss of use of vehicles
Vehicle Classification
Private Car
Use only for social domestic and pleasure purposes and for the policyholder's business.
This policy does not cover if the vehicle is used for:
- Hire and reward
- Racing pace-making reliability trial speed testing
- Carriage of goods other than samples in connection with any trade or business
- Any purpose in connection with the Motor Trade
Important Notices
Please read all important notices below:
Types of Cover
The policy provides:
Types / Cover | Comprehensive Cover | Third Party, Fire & Theft Cover | Third Party Cover |
| Liabilities to third party for injury, death & property loss/damage | Yes | Yes | Yes |
| Loss/damage to own vehicle due to accidental fire/theft | Yes | Yes | No |
| Loss/damage to own vehicle due to accident | Yes | No | No |
| Liabilities to driver & passengers of own vehicle (property, bodily injury, death) | No | No | No |
Note: It is an offence under the laws of the Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance
