Your Trusted Insurance Provider in Singapore Since 1975

Looking for trusted and affordable protection in Singapore? ECICS Insurance offers a wide range of personal and commercial coverage designed to safeguard what matters most. From ECICS Maid Insurance that ensures the wellbeing of your domestic helper to ECICS Car Insurance and ECICS Motorcycle Insurance that keep you safe on the road, our plans are tailored to meet your lifestyle and business needs.

Explore Our Popular Insurance Plans

crafted with reliability, flexibility, and dedicated customer support at every step. Whether you’re protecting your home, vehicle, or workplace, ECICS stands by you with decades of experience and a commitment to your peace of mind.

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Claims & Support

You can count on us when life gets tough.

Private Car Insurance

Accident? View claims steps, required documents, and get workshop support.

Maid Insurance

Includes medical, personal accident, hospitalisation, and repatriation claims.

Frequently Asked Questions

How do I redeem my Tesla Fractional Shares?

1. Tesla Motor Insurance policy purchased from ECICS must be issued, in-force, and fully paid.  

2. A unique email link will be sent to your registered email address under the subject titled "Tesla Motor Insurance Fractional Shares Campaign (FSPROMO)" for the redemption of Tesla Fractional Shares. Further instructions can be found on the POEMS website after clicking the link.  

3. Upon completion of the steps on the POEMS landing page, Tesla Fractional Shares will be deposited into your account within 3 to 4 months following the reconciliation process.

Is my NCD transferable?

In principle, your NCD applies to you and not to your vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer, but generally: Your NCD can- - Be transferred if you decide to switch insurer. - Be transferred to another vehicle you own, but it cannot be applied to more than one vehicle at any point in time. For example, if you have accumulated a 30% NCD while using one vehicle, it does not follow that the same NCD applies to any other vehicle that you own or decide to buy. In other words, you will have to earn the NCD for each vehicle separately Your NCD cannot- - be transferred to another person, except for your spouse and within the current insurer only. Transfer of NCD to your spouse will not be applicable if you renew your policy with another insurer.

What if I provided the wrong email address?​

ECICS and Shell are not responsible if the voucher cannot be delivered due to an invalid or incorrect email address.​

What should I do if I encounter issues opening my POEMS account?

For questions about opening your POEMS account, please contact Phillip Securities' Customer Experience Unit at 6351 1555 or talktophilip@philip.com.sg.

What does the Motor Trade insurance cover?

It covers your legal liability to third parties in the event of accident caused by or arising out of the use of motor vehicles in connection with your motor trade business.

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.

What is a No Claim Discount Protector (NCDP)?

A No Claim Discount Protector protects your NCD on renewal and allows you to make a claim under your policy without affecting your NCD. Without it, your NCD will be reduced should a claim be made under your policy.

Why is it important to make an accident report?

The accident report will provide us with the necessary information should there be any claims made against you for the accident. Failure to report the accident may result in you handling and settling any claims on your own.

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.

Who can buy ECICS’s Private Motor Car insurance?

You are eligible for ECICS Private Motor Car insurance if: - you and your named drivers (if any) is/are the resident(s) of Singapore possessing a valid NRIC/FIN; - you are the main driver and owner of the Private Car; - you and your named drivers (if any) is/are not an existing ECICS’ Private Motor Car Policyholder with claims. - Neither you nor your named drivers (if any) has had his/her driving license (any class) suspended or cancelled in the last 3 years; - Neither you nor your named drivers (if any) has had his/her private car insurance refused, declined renewal or terminated by any insurers; - Your Private Car is or will be registered with the Land Transport Authority (“LTA”) and; - Your Private Car is not and will not be used for commercial purpose, hire and reward, rental or leasing.

If the policyholder experience an accident claim on the Comprehensive Family NCD Builder Plan what will happen to all the Family NCD members who are in the policy?

All earned Family-NCD will be reduced according to the GIA NCD framework (https://gia.org.sg/). However, with the Family NCD benefit still in place, it means all the Family NCD members can continue to earn 10% with each year of safe driving (max at 50%).

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.

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 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.

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.

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