Yes, ECICS Motor Excess Protector Insurance covers Named Driver, Unnamed Driver or Young, Inexperienced or Elderly Excess. It does not cover excess for windscreen, sunroof or moonroof.

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.

Vehicles belonging to you or your customers are not covered under the standard Autogarage Package Insurance policy. It is offered as an optional cover subject to underwriting and additional premium.

Yes, the following occupations or activities are excluded: - Pilots, aircrew or any occupation involving aviation activities - Full-time military personnel - Police force personnel - Fire fighters - Construction / unskilled workers - Ship crew or workers on board vessels, oil and gas rig workers, offshore workers, stevedores, shipbreakers - Welding - Professional sports teams - Work involving height (exceeding 30 feet above ground or floor level) and/or works underground and/or travel beyond normal speed on land and/or handling of hazardous chemical / electricity - Use of Woodworking tools and machineries - Professional divers and jockeys - Crane Operators

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.