We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
The deductible is the amount payable by you for each and every claim made against the policy.
Yes, your motor insurance claims history over the past 3 years will be taken into account and may affect your premium when you apply.
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.
You do not need to choose a sum insured that is equivalent to your excess amount. There is no limit on the number of claims as long as the total claim does not exceed your chosen sum insured per policy year. However, if your chosen sum insured is lower than the excess imposed on your motor insurance policy, ECICS will only pay up to the sum insured during the period of insurance.
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.
