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

Yes, you may own more than 1 Motor Excess Protector insurance policy provided that each Motor Excess Protector insurance policy covers 1 unique vehicle registration number.

In the event of an accident involving your registered vehicle, your insurer for your motor insurance policy must have paid out a claim amount higher than your policy excess in order for you to seek reimbursement on the excess you have paid from your ECICS Motor Excess Protector Insurance Policy. If the claim amount paid out is lower than your policy excess, you will not be able to seek reimbursement from your ECICS Motor Excess Protector Insurance Policy.

The deductible is the amount payable by you for each and every claim made against the policy.

No, you can purchase ECICS Motor Excess Protector Insurance Policy any time. However, do note that there is a 14-day waiting period from the commencement date of policy. Coverage will only start after the 14-day waiting period.