What is Motor Excess Protector?

Motor Excess Protector is a standalone policy that helps to reduce the insurance excess you have to pay in the event you need to make a motor claim.

Key Coverage & Benefits

We put an end to uncertainty when driving

Motor Excess Protector Insurance Policy gives you more than just the basics.

Flexible Coverage

Take charge of your own financial liability in the event of an accident by selecting your own Motor Excess Protector Insurance coverage from $500 to $5,000 to cover your motor insurance policy excess in the event of an accident.

Coverage for Various Types of Excess

Including standard excess, unnamed driver excess, and young or inexperienced driver excess.

Use it Across Vehicles

Enjoy worldwide coverage for your rental vehicle overseas, flexibility to transfer coverage to another vehicle you own. Best of all, this policy operates independently and doesn’t need to be linked to our motor policy.
Contact Us to Submit Excess Claim

Frequently Asked Questions

Who is eligible to purchase ECICS Motor Excess Protector Insurance?

All Private Car, Commercial Vehicle or Private Hire drivers who own a valid motor insurance policy.

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Does the ECICS Motor Excess Protector Insurance cover me when I drive overseas?

Yes, ECICS Motor Excess Protector Insurance extends to cover your rental excess when you rent a car and drive overseas anywhere in the world.

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What if I change vehicle mid-term of policy?

Inform ECICS immediately and we will endorse your policy. Coverage for the new vehicle will commence after a 14-day waiting period from the date of notification.

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Will my past motor insurance claims affect the premium?

Yes, your motor insurance claims history over the past 3 years will be taken into account and may affect your premium when you apply.

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How much sum insured should I buy?

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.

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