🛡️ Motor Insurance Guide

Understanding YourMotor Insurance Options

A guide to help you choose between traditional comprehensive cover and pay-as-you-drive insurance — based on your driving habits.

🗓 April 2026 ⏱ 6 min read 📍 Malaysia
Side by side

How Are They Different?

Traditional comprehensive insurance charges a fixed premium regardless of how much you drive. Pay-As-You-Drive (PAYD) rewards you with a lower premium when you commit to driving within a set mileage limit each year.

SOMPO Motor

Traditional Comprehensive
Premium
Fixed annual premium regardless of how much you drive
Mileage Limit
No mileage restriction — drive unlimited kilometres
Coverage
Full Comprehensive cover throughout the policy year
Best For
Frequent drivers, long commuters, e-hailing, high mileage usage
Device Required
No tracking device needed
Mobile App
MySOMPO app — policy tracking, roadside assistance, workshop search, claims & renewal
Special Perils
Included — covers flood, storm, landslip and other convulsions of nature
Towing
Unlimited towing costs/services
Top-Up Needed
No — coverage never reduces mid-policy

SOMPO MotorSafe

Pay-As-You-Drive (PAYD)
Premium
Discounted premium — save up to 50% if you drive less
Mileage Limit
Choose a plan: 5,000 / 10,000 / 15,000 km per year
Coverage
Full Comprehensive within mileage; Third Party only if exceeded
Best For
Low-mileage drivers, WFH, retirees, weekend drivers
Device Required
Free SOMPO Tag (Bluetooth device) fitted in your car
Mobile App
SOMPO MotorSafe app — Tag pairing, mileage tracking, top-up & claims
Special Perils
Included — covers flood, storm, landslip and other convulsions of nature
Towing
Unlimited towing costs/services
Top-Up Needed
Yes — if you exceed your chosen mileage plan

SOMPO Tag

Free with MotorSafe

A compact Bluetooth device fitted in your car. Tracks your mileage and keeps you safe on the road.

🆘
bCall — Roadside Assist
Hold button 2 sec for 24-hour breakdown & emergency help
💥
eCall — Crash Alert
Auto-detects severe accidents and alerts the call centre
🛡️
Safe Driving Alert
Beeps if your phone is used while driving above 20 km/h
🔔
Top-Up Reminder
Alerts you before your mileage limit runs out

Battery lasts ~1 year (CR2032, self-replaceable) · Replacement device RM90 · Uses Bluetooth Low Energy — won't interfere with car Bluetooth

Important: What Happens If You Exceed Your Mileage?

With SOMPO MotorSafe, if you exceed your chosen mileage plan and the 500 km grace mileage without purchasing a top-up, your cover will be reduced to Third Party only. This means damage to your own car from accidents will not be covered. You can restore full Comprehensive cover by purchasing a mileage top-up. If your car is under a Hire Purchase agreement, please note that exceeding your mileage without top-up means you may no longer meet your financier's requirement for comprehensive cover.

Odometer accuracy: For MotorSafe, an accurate odometer reading and photo at inception and a functioning odometer are required. Own-damage claims may not be paid if the odometer is tampered with, incorrect at inception, or left unrepaired when faulty.

Find your fit

Which One Suits You?

Your ideal choice depends on how much you drive each year. Here are some common driving profiles to help you decide.

🏢
Office Commuter
15,000–25,000 km/year
→ SOMPO Motor
Daily commuting racks up mileage quickly. A traditional policy ensures uninterrupted comprehensive cover without worrying about mileage limits.
🏠
Work From Home
3,000–6,000 km/year
→ MotorSafe
You mainly drive for errands and weekends. Plan A (5,000 km) could save you up to 50% on your premium.
👴
Retiree
2,000–5,000 km/year
→ MotorSafe
Light driving to markets and family visits. Plan A gives you full cover at the lowest premium.
👨‍👩‍👧
Family (2nd Car)
4,000–8,000 km/year
→ MotorSafe
A second family car used mainly for school runs and shopping. Plan A or B keeps costs down.
🚗
Daily Driver + Outstation
20,000+ km/year
→ SOMPO Motor
Frequent outstation travel means high mileage. Traditional cover avoids the risk of exceeding limits.
🏍️
Weekend Explorer
5,000–10,000 km/year
→ MotorSafe
You drive mostly on weekends for leisure. Plan B (10,000 km) gives a good balance of savings and flexibility.

Quick Recommendation

Select your estimated annual driving distance to see which option may suit you best.

<5k Minimal driving
5–10k Moderate driving
10–15k Regular driving
>15k Frequent driving

Our Suggestion

Common questions

Frequently Asked Questions

Common questions about choosing between traditional and pay-as-you-drive motor insurance.

What happens if I exceed my mileage on MotorSafe?▾
Your cover drops to Third Party only — meaning damage to your own car from accidents won't be covered. You'll need to purchase a mileage top-up to restore full Comprehensive cover. A 500 km grace mileage is automatically included to give you time to top up.
Can I switch from traditional to MotorSafe mid-policy?▾
You can switch at renewal. Cancelling mid-term may incur short-period cancellation charges, so it's best to plan the switch when your current policy is due for renewal.
What is the SOMPO Tag and do I have to pay for it?▾
The SOMPO Tag is a small Bluetooth device placed in your car. It's provided free of charge. It tracks your mileage, alerts you when you're close to your limit, and can call for emergency assistance at the press of a button. Replacement costs RM90 if lost or damaged.
Will I still get my No-Claim Discount (NCD)?▾
Yes. Both SOMPO Motor and SOMPO MotorSafe preserve your NCD entitlement as long as you don't make any claims.
Is flood damage covered?▾
Yes. Both SOMPO Motor and SOMPO MotorSafe include coverage for special perils such as flood, storm, landslip and other convulsions of nature as part of their comprehensive cover.
Can my company buy MotorSafe for company cars?▾
Yes. Unlike some competitors, SOMPO MotorSafe is available to both individual and company policyholders, making it suitable for company-owned vehicles with low usage.
Does my odometer reading matter for MotorSafe?▾
Yes. For MotorSafe, an accurate odometer reading and photo at policy inception and a functioning odometer are required. Own-damage claims may not be paid if the odometer is tampered with, incorrect at inception, or left unrepaired when faulty.

Ready to Choose?

Contact your Coverbox Malaysia advisor to get a personalised quote based on your vehicle details and driving habits.

Coverbox Customer Service: 03-5888 0054 Mobile/WhatsApp: 016-964 0556
Underwritten by Berjaya Sompo Insurance Berhad. Registration No: 198001008821 (62605-U)

Berjaya Sompo Insurance Berhad is a Member of PIDM. 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 or PIDM (visit www.pidm.gov.my). Berjaya Sompo Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Terms and conditions apply.

This guide is for general reference only and does not constitute a contract of insurance.
Please refer to the official Product Disclosure Sheet and Policy Document for full terms and conditions.
Berjaya Sompo Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Benefits payable under eligible products are protected by PIDM up to limits. Visit www.pidm.gov.my for details.