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

No, she is not covered unless she is travelling with you. We recommend purchasing a separate travel insurance for your FDW as the coverage would be more comprehensive for overseas situations where medical and evacuation costs are expected to be much higher.

To implement for MI policies, renewals or extensions with start date effective from:1 July 2023 (Stage 1)• Introduction of a co-payment element* for employers and insurers for amounts above $15,000, up to an annual claim limit of at least $60,0001 July 2025 (Stage 2)• Standardisation of allowable exclusion clauses• Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50• Requirement for insurers to reimburse hospitals directly upon the admissibility of the claimPlease visit MOM's website here for more information on the MI enhancements.

Yes, the policy will need to be cancelled, and a replacement policy issued.

The coverage period for our Enhanced MaidAssure is 14 months or 26 months with the additional 2 months included as mandated by the Ministry of Manpower (MOM) in case the FDW overstays in Singapore after her work permit expires.

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

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.

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.

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.

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

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

It is advisable to make a claim on your own insurance policy. Making a claim against motorists from another country can turn out to be costly and time-consuming. If you are not at fault, your NCD will not be affected.

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.

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.

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