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Frequently Asked Questions

I am purchasing a Tesla Motor Insurance policy from one of ECICS's partners, am I eligible for this campaign?

Yes, Tesla Motor Insurance policies bought either directly from the ECICS website or through one of ECICS's partners are both eligible for this campaign.

What type of projects can be covered?

Contractors' All Risks insurance covers a wide range of projects such as residential and commercial building construction, renovation works and infrastructure projects.

What is the time frame for me to report the accident?

Report the accident to us within 24 hours or by the next working day and our representatives will help you with the accident reporting.

What is an AutoGarage Package Insurance?

Autogarage Package Insurance is designed specially for motor traders and motor workshops. It is a comprehensive package insurance covering: 1) Fire and Extraneous Perils on contents within premises 2) Business Interruption 3) Burglary 4) Money 5) Personal Accident on life of named proprietor/partner/director 6) Public Liability 7) Third-Party Coverage for Motor Trade

How does the deductible work?

The deductible is the amount payable by you for each and every claim made against the policy.

What does the Enhanced MaidAssure Insurance cover?

Enhanced MaidAssure is a comprehensive insurance plan for your Foreign Domestic Worker (FDW) that covers the following benefits:- Accidental Death or Permanent Disablement,- Hospital & Surgical Expenses,- Replacement/Re-hiring Expenses,- Wages & Levy Reimbursement,- Repatriation Expenses,- Insurance bond guarantee.For more information, please refer to the policy wording. Alternatively, feel free to call us at +65 6206 5588, WhatsApp us at +65 8956 5588, or email us at customerservice@ecics.com.sg.

How do I determine the effective date of the policy?

Here's how you can determine the effective date based on each situation:For New FDW:The policy's effective date should be the date your FDW arrives in Singapore. This ensures that insurance coverage begins when the FDW starts her employment duties upon arrival in the country.For Transferred FDW:The policy's effective date should be the day you wish to apply for the issuance of her work permit at MOM. This ensures that insurance coverage is in place when the FDW's work permit is processed and approved for transfer to your employment.For Renewal FDW:The policy's effective date should be one day after the current work permit's expiry date. This ensures that insurance coverage seamlessly continues without any gaps when renewing the FDW's work permit for continued employment.

Why is the policy not exactly 12 or 24 months?

The coverage period for our Enhanced MaidAssure is 14 months or 26 months with the additional 2 months included as mandated by the Ministry of Manpower (MOM) in case the FDW overstays in Singapore after her work permit expires.

What are the payment methods available?

We accept payment via Visa/Master Retail Debit or Credit Card online.

What is MOM's Enhanced Medical Insurance Requirements?

To implement for MI policies, renewals or extensions with start date effective from:

1 July 2023 (Stage 1)

• Introduction of a co-payment element* for employers and insurers for amounts above $15,000, up to an annual claim limit of at least $60,000

1 July 2025 (Stage 2)

• Standardisation of allowable exclusion clauses

• Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50

• Requirement for insurers to reimburse hospitals directly upon the admissibility of the claim

Please visit MOM's website here for more information on the MI enhancements.

If a named driver comes out to purchase an entirely new policy with ECICS utilising his earned Family-NCD, can he continue to be named driver in the Family NCD policy and continue earning Family-NCD?

In the event that he utilise his earned Family-NCD to buy a new policy with us, he can still remain in the Family NCD policy as a named driver but he will not earn another Family-NCD. The Family-NCD can only be used once per policy per named driver.

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.

Why should I not accept assistance from towing services or workshops that appeared at accident scene?

These workshops are not under ECICS Limited authorised partners and we have no control over the repair quality. If the repair is poorly done, we will not be able to assist you should issues arise. Furthermore, the claim cost may be inflated, resulting in higher premium in your next renewal.

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.

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.

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.

Do I need Motorcycle insurance in Singapore?

Yes, it is illegal to use a vehicle in Singapore without a valid insurance cover. At a minimum, you must have third-party insurance, which covers injury or damage caused to other people and their property.

Do you cover everyone who use my motorcycle?

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

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.

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.