We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
Easy claims reporting and submission process to make it less stressful for you when you really need it.
You will not be entitled to a cancellation refund if there is a claim made under your Private Motor Car insurance policy.
Common exclusions include but is not limited to: - Wear and tear or gradual deterioration - Damage during transit - Wilful negligence - Faulty or defective design.
Yes, we offer it as an optional add-on that covers outpatient medical expenses for illness that does not require hospitalisation. This benefit can cover up to $60 per visit, helping to ensure your FDW’s health needs are taken care of without added financial strain.
No, there are no administrative or processing fees associated with claiming your Tesla Fractional Shares.
No, the benefits are non-transferable and will be credited to the Charge+ account linked to the insured vehicle.
Yes, we offer it as an optional add-on that covers outpatient medical expenses for illness that does not require hospitalisation. This benefit can cover up to $60 per visit, helping to ensure your FDW’s health needs are taken care of without added financial strain.
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.
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.
• Outpatient Medical Expenses (For Accident) cover medical bills for outpatient treatments that arise solely from Accident. For example, your FDW accidentally scalds her hand while cooking and requires dressing for the burn.• Hospital & Surgical Expenses cover inpatient medical bills for treatments related to both accidents and illnesses.
Yes, the policy will need to be cancelled, and a replacement policy issued.
No, it does not. ECICS NCD Protector only protects the policyholder/insured. It does not extend to cover all the Family NCD members.
The moment the policy has lapsed/ceased, the Family NCD benefit will likewise cease. All earned Family-NCD will be forfeited. However, we understand that there could be various reasons why customers may temporarily not own a car therefore do consult us to see how we can help.
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.
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.
A No-Claim Discount (‘NCD’) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. It reduces the premium you have to pay for the following year. This is your insurer's way of recognising and rewarding you for having been a careful driver. There is a standard followed by all insurers in setting the NCD, depending on your type of vehicle (private, commercial or motorcycle) and the period of insurance with no claim. The following table shows how the NCD is set by all insurers across the industry. Private Car Period of insurance with no claim Discount on renewal 1 year 10% 2 years 20% 3 years 30% 4 years 40% 5 years or longer 50% Motorcycle/Commercial Vehicle Period of insurance with no claim Discount on renewal 1 year 10% 2 years 15% 3 years or longer 20%
All riders need to be named in the policy. Unnamed riders are not covered.
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.
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.
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.
We do not cover usage for food, parcel or other delivery services.
