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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
All riders need to be named in the policy. Unnamed riders are not covered.
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.
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In the event of an accident involving your registered vehicle, your insurer for your motor insurance policy must have paid out a claim amount higher than your policy excess in order for you to seek reimbursement on the excess you have paid from your ECICS Motor Excess Protector Insurance Policy. If the claim amount paid out is lower than your policy excess, you will not be able to seek reimbursement from your ECICS Motor Excess Protector Insurance Policy.
The eligibility criteria states that the insured FDW must be between 23 and 60 years old at the time of application. This means that individuals outside of this age range may not qualify for coverage under the insurance policy.
It is only covered under Hospital & Surgical Expenses if the FDW had been under your employment for more than 12 months.
No. The Security Bond is included in our Enhanced MaidAssure along with MOM’s minimum medical and personal accident insurance as a package. We do not offer just the Security Bond.
A Security Bond is a commitment to reimburse the government if either you or your FDW violates or fail to adhere to the terms and conditions of the work permit. This bond typically takes the form of a banker's or insurer's guarantee. For each FDW you employ (excluding Malaysian helpers), you are required to purchase a $5,000 security bond.
No, you are not able to purchase the Waiver of Counter Indemnity after policy has incepted.
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.
You will only need to report to the police under the following circumstances:Damage to Government vehicle or propertyAccident with a foreign registered vehicleA Hit and Run accidentVehicle is stolen or vandalisedVehicle caught fireAccident involving a Pedestrian, Cyclist or Personal Mobility Device (PMD) usersA Malaysian police report is required if the accident happened in Malaysia.
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.
Excess, also known as the deductible, is the first amount of the claim that the policyholder needs to bear in view of the claim.
Under the Motor Claims Framework (MCF), in any accident regardless how minor it was, it is a requirement that an accident report be lodged in any of our Approved Reporting Centres within 24 hours or by the next working day. Your insurer will do the necessary and review the matter upon receiving the signed Private Settlement form.
All riders need to be named in the policy. Unnamed riders are not covered.