Refund Policy (Upon Policy Termination):0 to 30 days in force – 80% refund of premium31 to 90 days in force – 50% refund of premium91 to 180 days in force – 30% refund of premium181 days and beyond – No refund100% of the premium will be refunded if:a) The Policy is cancelled within 90 days from the policy effective date and replaced with a new ECICS Enhanced MaidAssure policy; orb) The In-Principal Approval (IPA) is terminated and the FDW did not enter Singapore.Provided there shall be no refund if: • Any claim has been made or has arisen under the Policy; or • The premium refund is less than $27.25 (inclusive of GST). Please refer to General Conditions point 19 of the policy wording for the full cancellation terms and conditions.

No, she is not covered unless she is travelling with you. We recommend purchasing a separate travel insurance for your FDW as the coverage would be more comprehensive for overseas situations where medical and evacuation costs are expected to be much higher.

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.

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.

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

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

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

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.

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.

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.

Yes, You can let us know that the insured is not driving during the purchase by indicating the Main driver details separately which the policy is being underwritten on.

No, all earned Family-NCD remains intact so long as the policy is in-force. Each Family NCD member can only utilize their Family-NCD once with us and is not transferrable.

The Family-NCD will not be affected as it follows the policy's claim experience. However, his past accident history will be taken into consideration when the Family NCD member get a new quote from us.

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

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.