How does the deductible work?

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

Can I register multiple vehicles under a single ECICS Motor Excess Protector 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.

Does the ECICS Motor Excess Protector Insurance cover me when I drive overseas?

Yes, ECICS Motor Excess Protector Insurance extends to cover your rental excess when you rent a car and drive overseas anywhere in the world.

Who is eligible to purchase ECICS Motor Excess Protector Insurance?

All Private Car, Commercial Vehicle or Private Hire drivers who own a valid motor insurance policy.

Can I 'free-look' the policy?

Yes, if you change your mind after the policy is issued, please write to us within 14 days from the date of receipt of the policy. We will refund you in full subject to no claims made under the policy.

Motor Excess Protector with ECICS

ECICS Motor Excess Protector reimburses that excess, so a single accident does not leave you out of pocket.
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You can choose cover from $500 up to $5,000 to match the excess on your motor policy, and it applies across standard excess, unnamed driver excess, and young or inexperienced driver excess.
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Whether it is the standard excess on your policy or the excess for an unnamed or younger driver, ECICS Motor Excess Protector is a simple, affordable way to reduce what you pay out of pocket after a claim.

What is Motor Excess Protector?

Motor Excess Protector is a standalone policy that helps to reduce the insurance excess you have to pay in the event you need to make a motor claim.

We put an end to uncertainty when driving

Motor Excess Protector Insurance Policy gives you more than just the basics.

Flexible Coverage

Take charge of your own financial liability in the event of an accident by selecting your own Motor Excess Protector Insurance coverage from $500 to $5,000 to cover your motor insurance policy excess in the event of an accident.

Coverage for Various Types of Excess

Including standard excess, unnamed driver excess, and young or inexperienced driver excess.

Use it Across Vehicles

Enjoy worldwide coverage for your rental vehicle overseas, flexibility to transfer coverage to another vehicle you own. Best of all, this policy operates independently and doesn’t need to be linked to our motor policy.

What if I change vehicle mid-term of policy?

Inform ECICS immediately and we will endorse your policy. Coverage for the new vehicle will commence after a 14-day waiting period from the date of notification.

Will my past motor insurance claims affect the premium?

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

Why is there still a deductible?

The deductible helps to prevent frequent claims and encourages responsible use of the policy. It also keeps the overall premium more affordable for all policyholders.

What is a Motor Excess Protector insurance?

ECICS Motor Excess Protector Insurance reimburses the excess amount you are required to pay under your motor insurance policy when you make a claim. It helps reduce your out-of-pocket expenses after an accident.

Do I need to buy ECICS Private Motor Car insurance policy in order to be eligible for ECICS Motor Excess Protector insurance?

No. You’re eligible as long as you have a valid motor insurance policy issued by any Singapore-licensed motor insurer.

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