Protecting for a
BETTER tomorrow

At ECICS, we’ve been protecting individuals and businesses in Singapore since 1975. As a homegrown general insurer, we offer dependable insurance solutions — from motor and maid insurance to commercial and specialty coverage — backed by dedicated support and fast, fair claims.

A Singapore Insurer Built on Reliability and Relationships

Established in 1975, ECICS has grown alongside Singapore — earning the trust of families, employers, and businesses across the nation. As a licensed general insurer regulated by the Monetary Authority of Singapore (MAS), we specialise in providing practical, straightforward insurance solutions tailored to local needs. Our portfolio includes motor insurance, maid insurance, home content insurance, personal accident coverage, commercial vehicle insurance, and other business protection plans.

What sets ECICS apart is our commitment to people. We believe insurance should be accessible, reliable, and personal. Whether you’re protecting your vehicle, safeguarding your home, or managing business risks, our team is here to guide you through every step — from quote to claim. With decades of experience and a strong local presence, ECICS continues to support the evolving needs of our community, delivering peace of mind when it matters most.

Our Milestones

1975
1993
2013
2018
2022
2023
2025

1975

Nearly 50 Years of Insurance Expertise

Founded in 1975, ECICS began as a specialist in performance bonds and credit insurance, supporting businesses in construction, trade, and finance with the confidence to grow.

1975

Nearly 50 Years of Insurance Expertise

Founded in 1975, ECICS began as a specialist in performance bonds and credit insurance, supporting businesses in construction, trade, and finance with the confidence to grow.

1993

Backed by IFS Capital, SGX-Listed Financial Group

As a wholly-owned subsidiary of IFS Capital, we leverage the strength of a regional financial powerhouse to expand our solutions and serve our clients better.

1993

Backed by IFS Capital, SGX-Listed Financial Group

As a wholly-owned subsidiary of IFS Capital, we leverage the strength of a regional financial powerhouse to expand our solutions and serve our clients better.

2013

Fully Licensed by Monetary Authority of Singapore (MAS)

ECICS is a licensed general insurer, authorised by the Monetary Authority of Singapore to underwrite and distribute a wide range of insurance products with full independence.

2013

Fully Licensed by Monetary Authority of Singapore (MAS)

ECICS is a licensed general insurer, authorised by the Monetary Authority of Singapore to underwrite and distribute a wide range of insurance products with full independence.

2018

Headquartered at SingPost Centre, Paya Lebar

Our move to SingPost Centre marks a new chapter in our journey—improving accessibility, collaboration, and capacity for future growth in one of Singapore’s thriving commercial hubs.

2018

Headquartered at SingPost Centre, Paya Lebar

Our move to SingPost Centre marks a new chapter in our journey—improving accessibility, collaboration, and capacity for future growth in one of Singapore’s thriving commercial hubs.

2022

Launched Used Car Warranty with Sgcarmart

In collaboration with Singapore’s leading automotive marketplace, we introduced a Used Car Warranty that helped raise buyer confidence and improve standards in the pre-owned vehicle market.

2022

Launched Used Car Warranty with Sgcarmart

In collaboration with Singapore’s leading automotive marketplace, we introduced a Used Car Warranty that helped raise buyer confidence and improve standards in the pre-owned vehicle market.

2023

Tailored Motor Insurance with Inchcape

In collaboration with Inchcape Automotive, distributor of brands like Toyota and Lexus, we launched DriveSure—a custom insurance plan designed for discerning drivers in Singapore.

2023

Tailored Motor Insurance with Inchcape

In collaboration with Inchcape Automotive, distributor of brands like Toyota and Lexus, we launched DriveSure—a custom insurance plan designed for discerning drivers in Singapore.

2025

Celebrating 50 Years of Excellence

2025 marks ECICS’ 50th anniversary — a proud milestone made possible by the trust and support of our partners and customers. As we celebrate this golden chapter, we look ahead with gratitude, innovation, and a continued commitment to protect what matters most.

2025

Celebrating 50 Years of Excellence

2025 marks ECICS’ 50th anniversary — a proud milestone made possible by the trust and support of our partners and customers. As we celebrate this golden chapter, we look ahead with gratitude, innovation, and a continued commitment to protect what matters most.

Why Choose Us

Local and
Homegrown

We understand you because we’re neighbours. We also happen to be one of the few homegrown and locally-owned insurers.

Why Choose Us

Experience

We’ve been around since 1975 and we’re here for good. You may also have heard of our parent (company), IFS Capital (listed on the Singapore Exchange), and PhillipCapital Group.

Why Choose Us

Innovative

We are constantly innovating to serve you with customer-centric solutions and digitally innovative technologies to make insurance as easy and straightforward as possible.

Corporate Related

Frequently Asked Questions

What are my options available if I am not at fault for the accident?

Claim directly against the Third Party who is liable for the accident. You can bring your damaged car / motorcycle to any of our Authorised Workshops or your own preferred workshop who can assist you to file the Third Party claim; orClaim Own Damage claim under your policy if you have purchased a Comprehensive coverage. You will need to pay necessary Policy Excess (if any). The workshop will then assist you to recover against the Third Party’s insurer for the Excess paid.

What is Contractors' All Risks insurance?

Contractors' All Risks insurance is designed to protect construction and renovation projects. It covers both property damage and third-party liability during the contract period.

What are the actions I need to take at the accident scene?

You should remember to take note on the following (if the traffic condition permits):Take photos and videos of the accident scene, surrounding areas, damaged property and the damages of the vehicles involved together with their license plate numbers.Exchange particulars with all drivers involved in the accident.Actual road name and any prominent landmarks.If possible, take down the particulars of all injured persons and note the extent of the injuries sustained.

How should I declare my claims?

Please declare all claims (excluding windscreen claims) made against your private car insurance during the past 3 years.

How do I add Family members to be eligible for Comprehensive Family NCD Builder Plan?

Just simply select our Comprehensive Family NCD Builder Plan during purchase and add your family members as named drivers.

If I cancel my policy, will I be entitled to a refund?

Refund Policy (Upon Policy Termination):0 to 30 days in force – 80% refund of premium31 to 90 days in force – 50% refund of premium91 to 180 days in force – 30% refund of premium181 days and beyond – No refund100% of the premium will be refunded if:a) The Policy is cancelled within 90 days from the policy effective date and replaced with a new ECICS Enhanced MaidAssure policy; orb) The In-Principal Approval (IPA) is terminated and the FDW did not enter Singapore.Provided there shall be no refund if: • Any claim has been made or has arisen under the Policy; or • The premium refund is less than $27.25 (inclusive of GST). Please refer to General Conditions point 19 of the policy wording for the full cancellation terms and conditions.

If I include a named driver in my private car policy, will my overall premium increase?

The premium of your car insurance policy is calculated based on the profiles of all the declared drivers including the named driver(s). Depending on the risk profiles of the drivers, the premium may remain the same, increase or decrease.

Will I lose my NCD if there is a break in ownership of my vehicle?

Most insurers in Singapore will allow you to keep your NCD should there be a break in vehicle ownership for up to 24 months. Some insurers set the timeframe at 12 months. You should contact your insurer for details.

If the policyholder made a NCD withdrawal, will it affect all the Family NCD members?

No, all earned Family-NCD remains intact so long as the policy is in-force. Each Family NCD member can only utilize their Family-NCD once with us and is not transferrable.

How can I enjoy the benefits of No Claim Discount Protector (NCDP)?

With ECICS, all Private Motor Car insurance policy comes with a complimentary No Claim Discount Protector. It is free for our customers as long as you have NCD 10% and above.

Does the NCD Protector protect all the Family NCD members?

No, it does not. ECICS NCD Protector only protects the policyholder/insured. It does not extend to cover all the Family NCD members.

Do you cover everyone who use my motorcycle?

All riders need to be named in the policy. Unnamed riders are not covered.

Do you offer NCD Protector for Motorcycle insurance?

Yes, ECICS motorcycle insurance policy comes with complimentary No Claim Discount Protector. It is free for our customers as long as you have NCD 10% and above.

Does your Motorcycle insurance cover me while I am riding in Malaysia or Thailand?

Our policy covers you when you ride your motorcycle in West Malaysia, the Republic of Singapore and that part of Thailand within 80.5km of the border between Thailand and West Malaysia.

Does your Motorcycle insurance cover usage of motorcycle for food, parcel or other delivery services?

We do not cover usage for food, parcel or other delivery services.

What does your Motorcycle insurance cover?

We have 3 plans to suit your needs. The Comprehensive plan covers loss or damage to your motorcycle, as well as third party liability for bodily injury and property damage.

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