Loss or damage to your vehicle from accidental causes
(Up to market value at time of loss or damage)
Loss or damage to your vehicle due to fire or theft
(Up to market value at time of loss or damage)
Liability to third party for damage to property
(Up to $5,000,000)
Liability to third party for death or bodily injury (Unlimited)
Personal Accident benefits for insured / named driver
(Up to $50,000)
Medical Expenses for insured / authorised driver / passenger
(Up to $500 each)
Unlimited Windscreen / Sunroof / Moonroof cover
Build Family-NCD discounts for your Named Drivers
Family Personal Accident
($80,000)
Child Seat Cover
(Up to $300)
No Claim Discount (NCD) Protector
Protect your NCD from 10% NCD onwards
Waiver of Excess at ECICS Authorised Workshops
For the first claim,
0-20% NCD: $250 (with accident footage)
30% NCD & Above: $750
We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
Stay protected on the road with a quick and easy renewal process. Ensure continuous coverage for your car with our flexible, affordable options.
Renew today and drive with
confidence!
In the event that he utilise his earned Family-NCD to buy a new policy with us, he can still remain in the Family NCD policy as a named driver but he will not earn another Family-NCD. The Family-NCD can only be used once per policy per named driver.
Claim directly against the Third Party who is liable for the accident. You can bring your damaged car / motorcycle to any of our Authorised Workshops or your own preferred workshop who can assist you to file the Third Party claim; orClaim Own Damage claim under your policy if you have purchased a Comprehensive coverage. You will need to pay necessary Policy Excess (if any). The workshop will then assist you to recover against the Third Party’s insurer for the Excess paid.
You will not be entitled to a cancellation refund if there is a claim made under your Private Motor Car insurance policy.
If your policy covers Unnamed Drivers, there are additional excess(es) for Unnamed Drivers and Unnamed Young or Inexperienced Drivers. Such additional excess(es) will be applicable on top of the standard policy excess. Please refer to your policy wording for more information.
A No-Claim Discount (‘NCD’) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. It reduces the premium you have to pay for the following year. This is your insurer's way of recognising and rewarding you for having been a careful driver. There is a standard followed by all insurers in setting the NCD, depending on your type of vehicle (private, commercial or motorcycle) and the period of insurance with no claim. The following table shows how the NCD is set by all insurers across the industry. Private Car Period of insurance with no claim Discount on renewal 1 year 10% 2 years 20% 3 years 30% 4 years 40% 5 years or longer 50% Motorcycle/Commercial Vehicle Period of insurance with no claim Discount on renewal 1 year 10% 2 years 15% 3 years or longer 20%
