Protecting for a BETTER tomorrow

At ECICS, we’ve been protecting individuals and businesses in Singapore since 1975. As a homegrown general insurer, we offer dependable insurance solutions — from motor and maid insurance to commercial and specialty coverage — backed by dedicated support and fast, fair claims.

A Singapore Insurer Built on Reliability and Relationships

Established in 1975, ECICS has grown alongside Singapore — earning the trust of families, employers, and businesses across the nation. As a licensed general insurer regulated by the Monetary Authority of Singapore (MAS), we specialise in providing practical, straightforward insurance solutions tailored to local needs. Our portfolio includes motor insurance, maid insurance, home content insurance, personal accident coverage, commercial vehicle insurance, and other business protection plans.

What sets ECICS apart is our commitment to people. We believe insurance should be accessible, reliable, and personal. Whether you’re protecting your vehicle, safeguarding your home, or managing business risks, our team is here to guide you through every step — from quote to claim. With decades of experience and a strong local presence, ECICS continues to support the evolving needs of our community, delivering peace of mind when it matters most.

1975

1993

2013

2018

2022

2023

2025

1975

Nearly 50 Years of Insurance Expertise

Founded in 1975, ECICS began as a specialist in performance bonds and credit insurance, supporting businesses in construction, trade, and finance with the confidence to grow.

1975

Nearly 50 Years of Insurance Expertise

Founded in 1975, ECICS began as a specialist in performance bonds and credit insurance, supporting businesses in construction, trade, and finance with the confidence to grow.

1993

Backed by IFS Capital, SGX-Listed Financial Group

As a wholly-owned subsidiary of IFS Capital, we leverage the strength of a regional financial powerhouse to expand our solutions and serve our clients better.

1993

Backed by IFS Capital, SGX-Listed Financial Group

As a wholly-owned subsidiary of IFS Capital, we leverage the strength of a regional financial powerhouse to expand our solutions and serve our clients better.

2013

Fully Licensed by Monetary Authority of Singapore (MAS)

ECICS is a licensed general insurer, authorised by the Monetary Authority of Singapore to underwrite and distribute a wide range of insurance products with full independence.

2013

Fully Licensed by Monetary Authority of Singapore (MAS)

ECICS is a licensed general insurer, authorised by the Monetary Authority of Singapore to underwrite and distribute a wide range of insurance products with full independence.

2018

Headquartered at SingPost Centre, Paya Lebar

Our move to SingPost Centre marks a new chapter in our journey—improving accessibility, collaboration, and capacity for future growth in one of Singapore’s thriving commercial hubs.

2018

Headquartered at SingPost Centre, Paya Lebar

Our move to SingPost Centre marks a new chapter in our journey—improving accessibility, collaboration, and capacity for future growth in one of Singapore’s thriving commercial hubs.

2022

Launched Used Car Warranty with Sgcarmart

In collaboration with Singapore’s leading automotive marketplace, we introduced a Used Car Warranty that helped raise buyer confidence and improve standards in the pre-owned vehicle market.

2022

Launched Used Car Warranty with Sgcarmart

In collaboration with Singapore’s leading automotive marketplace, we introduced a Used Car Warranty that helped raise buyer confidence and improve standards in the pre-owned vehicle market.

2023

Tailored Motor Insurance with Inchcape

In collaboration with Inchcape Automotive, distributor of brands like Toyota and Lexus, we launched DriveSure—a custom insurance plan designed for discerning drivers in Singapore.

2023

Tailored Motor Insurance with Inchcape

In collaboration with Inchcape Automotive, distributor of brands like Toyota and Lexus, we launched DriveSure—a custom insurance plan designed for discerning drivers in Singapore.

2025

Celebrating 50 Years of Excellence

2025 marks ECICS’ 50th anniversary — a proud milestone made possible by the trust and support of our partners and customers. As we celebrate this golden chapter, we look ahead with gratitude, innovation, and a continued commitment to protect what matters most.

2025

Celebrating 50 Years of Excellence

Why Choose Us

Local and
Homegrown

We understand you because we’re neighbours. We also happen to be one of the few homegrown and locally-owned insurers.

Why Choose Us

Experience

We’ve been around since 1975 and we’re here for good. You may also have heard of our parent (company), IFS Capital (listed on the Singapore Exchange), and PhillipCapital Group.

Why Choose Us

Innovative

We are constantly innovating to serve you with customer-centric solutions and digitally innovative technologies to make insurance as easy and straightforward as possible.

Financial Information

Corporate Governance

What to do in the event of an accident?

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).

Is my NCD transferable?

In principle, your NCD applies to you and not to your vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer, but generally: Your NCD can- - Be transferred if you decide to switch insurer. - Be transferred to another vehicle you own, but it cannot be applied to more than one vehicle at any point in time. For example, if you have accumulated a 30% NCD while using one vehicle, it does not follow that the same NCD applies to any other vehicle that you own or decide to buy. In other words, you will have to earn the NCD for each vehicle separately Your NCD cannot- - be transferred to another person, except for your spouse and within the current insurer only. Transfer of NCD to your spouse will not be applicable if you renew your policy with another insurer.

Will I be double insured if I pre-purchase a new policy in advance while my current policy is still inforce?

No, you will not be double insured as long as the effective date of the new policy is one day after the expiry date of the current work permit. Purchasing the policy in advance helps ensure continuous coverage without any gaps. The new policy will only take effect from the selected effective date, not the date of purchase.

How do I make a windscreen claim?

Please repair your windscreen at an ECICS Authorised Workshop. Call the workshop of your choice and they will help you file your claim and advise you accordingly. Click HERE for a copy of the Windscreen claim form.If the windscreen claim is of criminal or vandalism-related, a police report must be made. A copy of the police report must be submitted to your choice ECICS Authorised Workshop.

How much coverage do I need to buy?

To determine the right coverage amount for Home Contents insurance, consider the total cost to repair, renovate, and replace all your household items in the event of a total loss (such as fire or major flood).

My FDW’s age is 61 years old, can I still renew her policy?

The eligibility criteria states that the insured FDW must be between 23 and 60 years old at the time of application. This means that individuals outside of this age range may not qualify for coverage under the insurance policy.

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.

Can I purchase only the $5,000 Security Bond without the accompanying insurance?

No. The Security Bond is included in our Enhanced MaidAssure along with MOM’s minimum medical and personal accident insurance as a package. We do not offer just the Security Bond.

What is a Security Bond?

A Security Bond is a commitment to reimburse the government if either you or your FDW violates or fail to adhere to the terms and conditions of the work permit. This bond typically takes the form of a banker's or insurer's guarantee. For each FDW you employ (excluding Malaysian helpers), you are required to purchase a $5,000 security bond.

Can I buy Waiver of Counter Indemnity after my policy has incepted?

No, you are not able to purchase the Waiver of Counter Indemnity after policy has incepted.

How should I declare my claims?

Please declare all claims (excluding windscreen claims) made against your private car insurance during the past 3 years.

If I made a claim under my Private Motor Car insurance policy, am I still entitled to a cancellation refund?

You will not be entitled to a cancellation refund if there is a claim made under your Private Motor Car insurance policy.

If the policyholder made a NCD withdrawal, will it affect all the Family NCD members?

No, all earned Family-NCD remains intact so long as the policy is in-force. Each Family NCD member can only utilize their Family-NCD once with us and is not transferrable.

What are the actions I need to take at the accident scene?

You should remember to take note on the following (if the traffic condition permits):Take photos and videos of the accident scene, surrounding areas, damaged property and the damages of the vehicles involved together with their license plate numbers.Exchange particulars with all drivers involved in the accident.Actual road name and any prominent landmarks.If possible, take down the particulars of all injured persons and note the extent of the injuries sustained.

How do I add Family members to be eligible for Comprehensive Family NCD Builder Plan?

Just simply select our Comprehensive Family NCD Builder Plan during purchase and add your family members as named drivers.

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.

Do I need Motorcycle insurance in Singapore?

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.

Do you cover everyone who use my motorcycle?

All riders need to be named in the policy. Unnamed riders are not covered.

What does your Motorcycle insurance cover?

We have 3 plans to suit your needs. The Comprehensive plan covers loss or damage to your motorcycle, as well as third party liability for bodily injury and property damage.

Do you offer NCD Protector for Motorcycle insurance?

Yes, ECICS motorcycle insurance policy comes with complimentary No Claim Discount Protector. It is free for our customers as long as you have NCD 10% and above.

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