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.

Featured & Recognised by

Our Milestones

1975
1993
2013
2018
2022
2023
2025

1975

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

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

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.

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.

Corporate Related

Financial Information

Corporate Governance

Frequently Asked Questions

All
Maid Insurance
Private Car Insurance
Motorcycle Insurance
What are the payment methods available?

We accept payment via Visa/Master Retail Debit or Credit Card online.

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.

Can I name a family member in more than one policy with ECICS on Comprehensive Family NCD Builder Plan?

Yes, so long as the driver has a valid driving license and fulfils our underwriting criteria as named driver, you can purchase this plan and add them as a named driver in the Comprehensive Family NCD Builder Plan.

Can I stack the Tesla Fractional Shares promotion with other existing promotions?

Yes, provided you meet all the promotional terms and conditions, you will be eligible to claim them.

What happens to my policy if my FDW is returning to her home country and not coming back?

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.

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.

As an employer, is there a way to limit my liability on the $5,000 Security Bond?

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.

Can I make amendments to the policy after I’ve purchased the insurance?

Certain amendments (e.g., typo error in name or passport number or change in effective date) can be made before the policy effective date. However, a re-transmission to MOM may be required depending on the type of amendment.

What is the difference between Outpatient Medical Expenses (For Accident) and Hospital & Surgical Expenses?

• Outpatient Medical Expenses (For Accident) cover medical bills for outpatient treatments that arise solely from Accident. For example, your FDW accidentally scalds her hand while cooking and requires dressing for the burn.• Hospital & Surgical Expenses cover inpatient medical bills for treatments related to both accidents and illnesses.

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.

If I sell my private car, will I get any refund?

If you sell your private car, you may inform us to cancel your policy. You can submit the request at customerservice@ecics.com.sg or call our mainline at +65 6206 5588 (Mon - Fri excluding Public Holiday, 8:30am - 6:00pm). Your Private Car policy refund is calculated according to the cancellation clause in your policy wording subject to no claims made against your policy.

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).

What are my options available if I am not at fault for the accident?

Claim directly against the Third Party who is liable for the accident. You can bring your damaged car / motorcycle to any of our Authorised Workshops or your own preferred workshop who can assist you to file the Third Party claim; orClaim Own Damage claim under your policy if you have purchased a Comprehensive coverage. You will need to pay necessary Policy Excess (if any). The workshop will then assist you to recover against the Third Party’s insurer for the Excess paid.

Where can I make the accident report?

You can report the accident at any of our Authorised workshop that is also our appointed Accident Reporting Centres within 24 hours of the accident.

How should I declare my claims?

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

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.

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 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.

Does your Motorcycle insurance cover usage of motorcycle for food, parcel or other delivery services?

We do not cover usage for food, parcel or other delivery services.

View All FAQs

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