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.

Typical vehicles include vans, lorries, pickups and refrigerated vehicles.

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

No, ECICS Commercial Vehicle insurance policy is on authorised drivers basis. It covers any person who is driving on your order or with your permission, provided it is in relation to your business and the person driving is permitted to drive in accordance with the licensing or other laws or regulations to drive the vehicle.

Private Motor Car insurance covers private motor cars for personal or domestic usage. Commercial vehicle insurance, on the other hand, covers commercial vehicles used for business or commercial purposes.