We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
Easy claims reporting and submission process to make it less stressful for you when you really need it.
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%
This promotion applies to all private EV car insurance with ECICS. It excludes individual private hires and car fleets.
Yes, you can. We offer Waiver of Counter Indemnity as an optional add-on. With this, your liability on the $5,000 Security Bond is capped at $250, and the insurer covers the rest if the bond conditions are breached. However, this does not apply to any breach of bond conditions due to your negligence or fault.
The Insured Person must be: - the natural child, legal step-child, legally adopted child or ward of the Policyholder; and - age above 1 month old and under 21 years as at the time of the application for the Policy if the Insured Person was not enrolled in a tertiary institution as at that time. If the Insured Person was enrolled in a tertiary institution as at the time of the application for the Policy, he or she must be of an Age under 25 years as at that time; and - unmarried as at the time of the application for the Policy and remains unmarried throughout the Period of Insurance.
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.
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.
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.
No, you do not need to pay $5,000 upfront to MOM as we act as a guarantor by issuing a Letter of Guarantee to MOM on your behalf. However, if you or your FDW breaches any of MOM’s rules or conditions, MOM may forfeit the bond and demand for payment from ECICS. In such cases, we will seek recovery of the amount from you.
You will need to cancel her work permit to stop your levy and ensure that you keep a copy of her travel ticket or departure itinerary as proof. MOM will proceed to discharge the Security Bond after verifying that your FDW has left and did not re-enter Singapore. Upon discharge, you may proceed to request for policy cancellation.
MOM will issue the discharge letter 1 week after the FDW has left Singapore. Please provide us with a copy of the discharge letter to proceed with your cancellation.Please note that the effective date of insurance cancellation will be determined based on the discharge date from MOM, not the date when the work permit is cancelled.
Please remain calm and check that nobody is injured. If someone is injured, you will need to call the ambulance at 995 and police at 999 immediately. You must also not shift your vehicle from its original position.You can contact our accident-assistance support available on 24/7 at +65 6206 5588 (option 9).
Unnamed Driver refers to someone who is not named under a private car policy.
Yes, we offer complimentary excess waiver of up to $750 (depending on your current NCD%) for the first claim in a policy year when you repair your accident car at ECICS’s authorized workshops and share your in-car cctv footage with us.
If your policy covers Unnamed Drivers, there are additional excess(es) for Unnamed Drivers and Unnamed Young or Inexperienced Drivers. Such additional excess(es) will be applicable on top of the standard policy excess. Please refer to your policy wording for more information.
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.
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.
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