Loss or damage to your vehicle from accidental causes
(Up to market value at time of loss or damage)
Loss or damage to your vehicle due to fire or theft
(Up to market value at time of loss or damage)
Liability to third party for damage to property
(Up to $5,000,000)
Liability to third party for death or bodily injury (Unlimited)
Personal Accident benefits for insured / named driver
(Up to $50,000)
Medical Expenses for insured / authorised driver / passenger
(Up to $500 each)
Unlimited Windscreen / Sunroof / Moonroof cover
Build Family-NCD discounts for your Named Drivers
Family Personal Accident
($80,000)
Child Seat Cover
(Up to $300)
No Claim Discount (NCD) Protector
Protect your NCD from 10% NCD onwards
Waiver of Excess at ECICS Authorised Workshops
For the first claim,
0-20% NCD: $250 (with accident footage)
30% NCD & Above: $750
We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
Stay protected on the road with a quick and easy renewal process. Ensure continuous coverage for your car with our flexible, affordable options.
Renew today and drive with
confidence!
The driver involved in the accident must report personally, with a copy of the Driving License and NRIC, and the certificate of insurance to the Accident Reporting Centres. The vehicle must also be made available for photo-taking at the time of reporting.
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%
Under the Motor Claims Framework (MCF), in any accident regardless how minor it was, it is a requirement that an accident report be lodged in any of our Approved Reporting Centres within 24 hours or by the next working day. Your insurer will do the necessary and review the matter upon receiving the signed Private Settlement form.
If there is a claim made under the policy, your NCD will be reduced as follows. Private Car Current NCD NCD after 1 Claim 50% 20% 40% 10% 30% and under 0% Motorcycle/Commercial Vehicle Current NCD NCD after 1 Claim 20%/15%/10% 0%
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.
