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All Private Car, Commercial Vehicle or Private Hire drivers who own a valid motor insurance 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.
In the event of an accident involving your registered vehicle, your insurer for your motor insurance policy must have paid out a claim amount higher than your policy excess in order for you to seek reimbursement on the excess you have paid from your ECICS Motor Excess Protector Insurance Policy. If the claim amount paid out is lower than your policy excess, you will not be able to seek reimbursement from your ECICS Motor Excess Protector Insurance Policy.
Yes, you may own more than 1 Motor Excess Protector insurance policy provided that each Motor Excess Protector insurance policy covers 1 unique vehicle registration number.
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.
