Sompo Private Car Insurance
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Summary
Sompo Private Car Insurance Review 2021
In our review of the Best Car Insurance of 2020, what makes Liberty Insurance's Car Insurance stand out?
- 24-hour Emergency Mobile Accident Response Service (MARS): an officer will arrive within 20 minutes to provide advice, take photos, complete accident statements, and perform E-filing of claims. They’ll even recommend the nearest authorised workshop and arrange for towing.
- Free NCD Protector if your NCD is 30% and above (not applicable for the cheapest plan, ExcelDrive Focus)
- Relatively high transport allowance at $100 for 10 days as compared to a more typical $50 for 5 days – not applicable for ExcelDrive Focus
- Full excess waiver on first claim ONLY if done at an authorised workshop – only 50% and capped at $600 for ExcelDrive Focus
- Free cover for damages as a result of riot, strike, civil commotion, flood and windstorm.
Sompo Car Insurance is not necessarily for the budget-conscious as their plans are pricier than most. Sompo also does not provide a replacement car when your vehicle is damaged or being repaired, however, they do provide a decent transportation allowance.
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This product has not been claimed by the company yet.
Summary
Sompo Private Car Insurance Review 2021
In our review of the Best Car Insurance of 2020, what makes Liberty Insurance's Car Insurance stand out?
- 24-hour Emergency Mobile Accident Response Service (MARS): an officer will arrive within 20 minutes to provide advice, take photos, complete accident statements, and perform E-filing of claims. They’ll even recommend the nearest authorised workshop and arrange for towing.
- Free NCD Protector if your NCD is 30% and above (not applicable for the cheapest plan, ExcelDrive Focus)
- Relatively high transport allowance at $100 for 10 days as compared to a more typical $50 for 5 days – not applicable for ExcelDrive Focus
- Full excess waiver on first claim ONLY if done at an authorised workshop – only 50% and capped at $600 for ExcelDrive Focus
- Free cover for damages as a result of riot, strike, civil commotion, flood and windstorm.
Sompo Car Insurance is not necessarily for the budget-conscious as their plans are pricier than most. Sompo also does not provide a replacement car when your vehicle is damaged or being repaired, however, they do provide a decent transportation allowance.
Plans (3)
Sompo ExcelDrive Focus Plan
Authorised
WORKSHOP
None
NCD PROTECTION
Yes
24H ROADSIDE ASSISTANCE
1.0
1 Reviews
Most Helpful
21 Aug 2020
Do not trust Sompo! They collect insurance premium and don't settle legitimate third party claims. Beware!0
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Sompo Car Insurance Plans at a glance
Sompo is a Japanese insurer which has 3 comprehensive car insurance plans, arranged from the cheapest to the most premium:
- ExcelDrive Focus
- Excel Drive Gold
- ExcelDrive Prestige
All 3 plans have good coverage on the basics like:
- Car repairs
- Total loss/damage
- Third party damage
- Personal accident
- Medical expenses
- 24-hour Emergency Mobile Accident Response Service (An officer will arrive within 20 minutes to provide advice, take photos, complete accident statements and perform E-filing of claims. If necessary, the officer will recommend the nearest authorised workshop and arrange for towing service.)
What Does Sompo Private Car Insurance Cover?
Features | ExcelDrive Prestige | ExcelDrive Gold | ExcelDrive Focus |
|---|---|---|---|
Vehicle repair at motor workshop | any | authorised only | authorised only |
Loss or damage to your vehicle due to accident | ✔ | ✔ | ✔ |
Loss or damage to your vehicle due Fire and/or Theft | ✔ | ✔ | ✔ |
Death or Injury to third party | ✔ | ✔ | ✔ |
Loss of Use | ✔ | ✔ | - |
NCD Protector | ✔ | ✔ | - |
Windscreen Cover | ✔ | ✔ | ✔ |
Windscreen Excess | ✔ | ✔ | ✔ |
Waiver of Excess | ✔ | ✔ | - |
Unnamed Driver Excess | ✔ | ✔ | ✔ |
24-hour Emergency Mobile Accident Response Service (MARS) | ✔ | ✔ | ✔ |
Cover for damages as a result of riot, strike, civil commotion, flood and windstorm | ✔ | ✔ | ✔ |
Do view Sompo Car Insurance official website for the full list of coverage and exclusions.
Types of plans offered by Sompo Private Car Insurance: who should get it?
1. Sompo ExcelDrive Focus
- Workshop: Sompo authorised workshops only
- Excess waiver: Limited to 50% up to maximum of $600 (whichever is lower)
Recommended for: old cars (up to 15 years old), second hand cars, parallel imports
2. Sompo ExcelDrive Gold
- Workshop: Sompo authorised workshops only
- Excess waiver: full up to $1,000 if done at authorised workshops
- Transport allowance: $100 per day (up to 10 days)
- Free NCD Protector (for 30% NCD and above)
Recommended for: cars not under warranty (up to 10 years old)
3. Sompo ExcelDrive Prestige
- Workshop: No restriction
- Excess waiver: full up to $1,000 if done at authorised workshops
- Transport allowance: $100 per day (up to 10 days)
- Free NCD Protector (for 30% NCD and above)
Recommended for: new premium cars under warranty, owners who want flexibility of workshop choice
What Kind Of Add-Ons Are Available With Sompo Private Car Insurance?
Since NCD Protector is already bundled into Sompo's private car insurance plans, here are some other add-ons to consider:
Buy Down Excess |
|
|---|---|
Personal Accident | While plans already come with free personal accident cover up to $20,000 for policyholder and $10,000 for named drivers, this is an option to increase your personal accident sum assured |
Accessories Cover | Extra coverage for accessories like CNG conversion kit, Hi-Fi Systems, etc. |
How To Get Cheaper Car Insurance Premiums With Sompo?
Sompo premiums aren't the cheapest in the industry, but there are a few ways to get cheaper premiums:
- Offence Free Discount (5%) - Automatically granted for 30% NCD and above, regardless of demerit points
- Loyalty Discount (5%) - Upon renewal
- Multiple Car Discount (varies) - If you insure multiple cars with Sompo
- Excess Buy-Up option – to increase your excess that you have to bear with each claim in exchange for a premium discount.
- ExcelDrive Workshop – Enjoy premium discount up to 15% and warranty for repair.
Verdict: Is Sompo Car Insurance Worth It?
- Not really for the price-conscious
- If you’re going for the ExcelDrive Focus, consider upping your budget for the ExcelDrive Gold to take advantage of the abovementioned highlights
- A great choice if you don’t mind paying a bit more for peace of mind during traffic accidents or situations
Still unsure? View our Ultimate Guide to Car Insurance here, to help you get a more holistic view of each plan compared against another.
Contact Sompo
- Visit Sompo Insurance online to get your Sompo Car Insurance quote
- All Other Motor Related: +65 461 6555 (Mon-Fri, 9am-5pm; Excluding weekends and public holidays)
- Sompo Emergency Services: +65 6226 3323
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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