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Frequently Asked Questions

Can I make amendments to the policy after I’ve purchased the insurance?

Certain amendments (e.g., typo error in name or passport number or change in effective date) can be made before the policy effective date. However, a re-transmission to MOM may be required depending on the type of amendment.

Do I need to buy ECICS Private Motor Car insurance policy in order to be eligible for ECICS Motor Excess Protector insurance?

No. You’re eligible as long as you have a valid motor insurance policy issued by any Singapore-licensed motor insurer.

What is “Excess” in a motor policy?

Excess, also known as the deductible, is the first amount of the claim that the policyholder needs to bear in view of the claim.

What kind of coverage can I buy for my business?

You can insure your building, contents and stocks against Fire and Extraneous Perils or All Risks coverage.

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.

Can I buy Waiver of Counter Indemnity after my policy has incepted?

No, you are not able to purchase the Waiver of Counter Indemnity after policy has incepted.

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 [email protected].

What are the payment methods available?

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

As an employer, is there a way to limit my liability on the $5,000 Security Bond?

Yes, you can. We offer Waiver of Counter Indemnity as an optional add-on. With this, your liability on the $5,000 Security Bond is capped at $250, and the insurer covers the rest if the bond conditions are breached. However, this does not apply to any breach of bond conditions due to your negligence or fault.

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 $60,0001 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 claimPlease visit MOM's website here for more information on the MI enhancements.

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 usage of motorcycle for food, parcel or other delivery services?

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

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.

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.

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.

Can I name a family member in more than one policy with ECICS on Comprehensive Family NCD Builder Plan?

Yes, so long as the driver has a valid driving license and fulfils our underwriting criteria as named driver, you can purchase this plan and add them as a named driver in the Comprehensive Family NCD Builder Plan.

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 “Excess” in a motor policy?

Excess, also known as the deductible, is the first amount of the claim that the policyholder needs to bear in view of the claim.