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Frequently Asked Questions

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.

What is a Motor Excess Protector insurance?

ECICS Motor Excess Protector Insurance reimburses the excess amount you are required to pay under your motor insurance policy when you make a claim. It helps reduce your out-of-pocket expenses after an accident.

How do I redeem my Tesla Fractional Shares?

1. Tesla Motor Insurance policy purchased from ECICS must be issued, in-force, and fully paid. 2. A unique email link will be sent to your registered email address under the subject titled "Tesla Motor Insurance Fractional Shares Campaign (FSPROMO)" for the redemption of Tesla Fractional Shares. Further instructions can be found on the POEMS website after clicking the link. 3. Upon completion of the steps on the POEMS landing page, Tesla Fractional Shares will be deposited into your account within 3 to 4 months following the reconciliation process.

Why is there still a deductible?

The deductible helps to prevent frequent claims and encourages responsible use of the policy. It also keeps the overall premium more affordable for all policyholders.

Why does ECICS offer 3- and 5-year home contents insurance plans?

The 3- and 5-year plans are designed to offer greater value and convenience. By choosing a longer-term plan, you can: - Lock in your premium and avoid annual price increases - Enjoy discounted rates compared to yearly renewals - Reduce the hassle of renewing your policy every year It’s ideal for homeowners or long-term tenants looking for cost savings and peace of mind over a longer period.

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 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.

I recently cancelled my FDW work permit, how do I cancel the policy?

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.

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.

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.

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 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.

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.

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.

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.

How can I enjoy the benefits of No Claim Discount Protector (NCDP)?

With ECICS, all Private Motor Car insurance policy comes with a complimentary No Claim Discount Protector. It is free for our customers as long as you have NCD 10% and above.

What is the time frame for me to report the accident?

Report the accident to us within 24 hours or by the next working day and our representatives will help you with the accident reporting.

Can I include a named driver in my Private Motor Car insurance policy?

Yes, you can include as many named drivers as you want in your Private Motor Car insurance policy subject to underwriting and additional premium.

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.