Loss or damage to your vehicle from accidental causes
(Up to market value at time of loss or damage)
Loss or Damage to Vehicle by Fire & 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)
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.
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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.
In principle, your NCD applies to you and not to your vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer, but generally: Your NCD can- - Be transferred if you decide to switch insurer. - Be transferred to another vehicle you own, but it cannot be applied to more than one vehicle at any point in time. For example, if you have accumulated a 30% NCD while using one vehicle, it does not follow that the same NCD applies to any other vehicle that you own or decide to buy. In other words, you will have to earn the NCD for each vehicle separately Your NCD cannot- - be transferred to another person, except for your spouse and within the current insurer only. Transfer of NCD to your spouse will not be applicable if you renew your policy with another insurer.
You will not be entitled to a cancellation refund if there is a claim made under your Private Motor Car insurance policy.
Yes, you can include as many named drivers as you want in your Private Motor Car insurance policy subject to underwriting and additional premium.
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.
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