We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
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.
Yes, we offer complimentary excess waiver of up to $750 (depending on your current NCD%) for the first claim in a policy year when you repair your accident car at ECICS’s authorized workshops and share your in-car cctv footage with us.
Typical exclusions include but is not limited to: - Injury to your own employees. - Contractual liabilities. - Damage to your own property.
Yes. You must notify us if there are any change in circumstances during the period of insurance affecting the risk such as changes in occupation or country of residence.
For questions about opening your POEMS account, please contact Phillip Securities' Customer Experience Unit at 6351 1555 or talktophilip@philip.com.sg.
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.
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.
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.
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.
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.
All riders need to be named in the policy. Unnamed riders are not covered.
Generally, No Claim Discount Protector (NCDP) are not transferrable from one insurer to another insurer. However, we recognize other insurers’ NCDP.
Report the accident to us within 24 hours or by the next working day and our representatives will help you with the accident reporting.
Yes, we offer complimentary excess waiver of up to $750 (depending on your current NCD%) for the first claim in a policy year when you repair your accident car at ECICS’s authorized workshops and share your in-car cctv footage with us.
The moment the policy has lapsed/ceased, the Family NCD benefit will likewise cease. All earned Family-NCD will be forfeited. However, we understand that there could be various reasons why customers may temporarily not own a car therefore do consult us to see how we can help.
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.