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

Here's how you can determine the effective date based on each situation:For New FDW:The policy's effective date should be the date your FDW arrives in Singapore. This ensures that insurance coverage begins when the FDW starts her employment duties upon arrival in the country.For Transferred FDW:The policy's effective date should be the day you wish to apply for the issuance of her work permit at MOM. This ensures that insurance coverage is in place when the FDW's work permit is processed and approved for transfer to your employment.For Renewal FDW:The policy's effective date should be one day after the current work permit's expiry date. This ensures that insurance coverage seamlessly continues without any gaps when renewing the FDW's work permit for continued employment.

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

A Security Bond is a commitment to reimburse the government if either you or your FDW violates or fail to adhere to the terms and conditions of the work permit. This bond typically takes the form of a banker's or insurer's guarantee. For each FDW you employ (excluding Malaysian helpers), you are required to purchase a $5,000 security bond.

It is only covered under Hospital & Surgical Expenses if the FDW had been under your employment for more than 12 months.

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

No, all earned Family-NCD remains intact so long as the policy is in-force. Each Family NCD member can only utilize their Family-NCD once with us and is not transferrable.

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).

ECICS will be transmitting the details of your Private Car Policy to LTA upon successful enrolment within 3 business days. Please contact our mainline if you require support to urgently submit to LTA for online road tax renewals. Alternative, you can proceed to LTA office with the Certificate of Insurance to physically renewal your road tax at LTA office. Our mainline number is +65 6206 5588 (Mon - Fri excluding Public Holiday, 8:30am - 6:00pm).

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.

The Family-NCD will not be affected as it follows the policy's claim experience. However, his past accident history will be taken into consideration when the Family NCD member get a new quote from us.