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Frequently Asked Questions

Are the charging benefits stackable?

This benefit can’t be combined with other Charge+ charging offers, but it may be stacked with ECICS Insurance promotions if you meet the qualifying criteria. Do check our promotions page to find out more.

Can I buy the Comprehensive Family NCD Builder Plan if the policyholder is not driving?

Yes, You can let us know that the insured is not driving during the purchase by indicating the Main driver details separately which the policy is being underwritten on.

How is the premium calculated?

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

What is Public Liability insurance and who needs it?

Public Liability insurance indemnifies your business against: 1) All sums you are legally liable to pay for compensation in respect of: - accidental bodily injury to any person; and/or - accidental loss of or damage to property belonging to third parties within the territorial limits during the period of indemnity and happening or caused in connection with your business. 2) All costs and expenses of litigation recovered by any claimant against you in respect of a claim against you for compensation you are legally liable to pay.

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.

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.

Who can buy ECICS’s Private Motor Car insurance?

You are eligible for ECICS Private Motor Car insurance if: - you and your named drivers (if any) is/are the resident(s) of Singapore possessing a valid NRIC/FIN; - you are the main driver and owner of the Private Car; - you and your named drivers (if any) is/are not an existing ECICS’ Private Motor Car Policyholder with claims. - Neither you nor your named drivers (if any) has had his/her driving license (any class) suspended or cancelled in the last 3 years; - Neither you nor your named drivers (if any) has had his/her private car insurance refused, declined renewal or terminated by any insurers; - Your Private Car is or will be registered with the Land Transport Authority (“LTA”) and; - Your Private Car is not and will not be used for commercial purpose, hire and reward, rental or leasing.

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.

Does the NCD Protector protect all the Family NCD members?

No, it does not. ECICS NCD Protector only protects the policyholder/insured. It does not extend to cover all the Family NCD members.

Who must be present and what documents are required for the accident reporting?

The driver involved in the accident must report personally, with a copy of the Driving License and NRIC, and the certificate of insurance to the Accident Reporting Centres. The vehicle must also be made available for photo-taking at the time of reporting.

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.

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.