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Making a claim Simple and hassle-free.



Claims Process & Support

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Frequently Asked Questions

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.

How can I redeem my benefits?

For details on how to redeem your benefits, please refer to the steps outlined above in the main section and perform the redemption HERERedemption steps:a. Download the Charge+ App b. Sign up for a Charge+ account c. Visit google form link in the Charge+ Promotion Page and indicate your chosen redemption option. Do note that the mobile number used to sign up for the Charge+ account must be the same number used to sign up for the Qualifying Policy.d. Your benefit will be activated in your account within approximately 8 weeks upon fulfilling the eligibility conditions.

How is the premium calculated?

Premiums depends on various factors such as type of business activity, type of vehicle, claims experience, coverage and excess.

When do you need to buy the Foreign Worker Bond?

You need to buy the Foreign Worker Bond before your new worker arrives in Singapore or before you can renew your existing worker's work permit.

What does Machinery All Risks insurance cover?

Machinery All Risks covers accidental loss of or damage to your machinery and equipment from any cause unless it’s specifically listed as an exclusion.

Do I need to cancel and buy a new policy if I need to replace my FDW after purchase?

Yes, the policy will need to be cancelled, and a replacement policy issued.

Why is the policy not exactly 12 or 24 months?

The coverage period for our Enhanced MaidAssure is 14 months or 26 months with the additional 2 months included as mandated by the Ministry of Manpower (MOM) in case the FDW overstays in Singapore after her work permit expires.

When will the Security Bond be transmitted to MOM?

New and transfer maid policies purchased:• within 14 days before the effective date,MOM’s record will be updated within 3 working days after the policy purchase date• more than 14 days before effective date,MOM’s record will be updated within 14 days before policy start dateRenewal maid policy:• MOM’s record will be updated within 3 working days after the policy purchase date.Please check the MOM portal and ensure that the electronic transmission to MOM is completed before your FDW arrives in Singapore. Failure to do so will result in the Immigration and Checkpoints Authority denying her entry, and she will be sent back to her home country.

Is there any coverage for Outpatient Medical Expenses (For Illness)?

Yes, we offer it as an optional add-on that covers outpatient medical expenses for illness that does not require hospitalisation. This benefit can cover up to $60 per visit, helping to ensure your FDW’s health needs are taken care of without added financial strain.

Are pre-existing medical conditions covered?

It is only covered under Hospital & Surgical Expenses if the FDW had been under your employment for more than 12 months.

Does your Motorcycle insurance cover me while I am riding in Malaysia or Thailand?

Our policy covers you when you ride your motorcycle in West Malaysia, the Republic of Singapore and that part of Thailand within 80.5km of the border between Thailand and West Malaysia.

If I have 2 policies (2 vehicles) insured with ECICS and bought Family NCD plans with a member appearing in both policies. What will happen if one of the policy experiences an accident claim by the Family NCD member (named driver)?

The policy that experiences the accident claim will have the entire group of Family NCD members' (named drivers) Family-NCD reduced according to the GIA NCD framework (https://gia.org.sg/). We believe that promoting safe driving is a family affair. However, the other policy with us will not be affected, all earned Family-NCDs in that policy will remain intact.

Why should I not accept assistance from towing services or workshops that appeared at accident scene?

These workshops are not under ECICS Limited authorised partners and we have no control over the repair quality. If the repair is poorly done, we will not be able to assist you should issues arise. Furthermore, the claim cost may be inflated, resulting in higher premium in your next renewal.

Can I used the Family-NCD to purchase from another insurer?

It is not transferrable to other insurers. This is a unique and innovative feature of our product to provide customers and their loved ones the best value they can get.

Will I lose my NCD if there is a break in ownership of my vehicle?

Most insurers in Singapore will allow you to keep your NCD should there be a break in vehicle ownership for up to 24 months. Some insurers set the timeframe at 12 months. You should contact your insurer for details.

What do I do if my vehicle is not drivable?

You may call our 24-hour helpline at +65 6206 5588 (option 9) to have your vehicle towed or alternatively you may call our Authorised Workshops in the list.

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