Yes, your motor insurance claims history over the past 3 years will be taken into account and may affect your premium when you apply.

No, you can purchase ECICS Motor Excess Protector Insurance Policy any time. However, do note that there is a 14-day waiting period from the commencement date of policy. Coverage will only start after the 14-day waiting period.

You do not need to choose a sum insured that is equivalent to your excess amount. There is no limit on the number of claims as long as the total claim does not exceed your chosen sum insured per policy year. However, if your chosen sum insured is lower than the excess imposed on your motor insurance policy, ECICS will only pay up to the sum insured during the period of insurance.

The deductible is the amount payable by you for each and every claim made against the policy.

No, each ECICS Motor Excess Protector Insurance Policy is meant to cover 1 vehicle at any one point in time. At the point of policy inception, you need to declare your vehicle registration number.