ECICS, a well-established player in the insurance industry, offers a range of car insurance products designed to meet the diverse needs of Singaporean drivers.
In this review, we'll dive deep into ECICS car insurance and explore its features and coverage options to help you make an informed decision about your automotive protection.
Key Takeaways
- ECICS offers comprehensive car insurance with flexible coverage options
- Unique features include excess waiver for in-car camera users and NCD protection
- Policyholders can choose between any workshop or authorised workshops for repairs
- Free personal accident coverage up to S$50,000 is included
- Lifetime repair and paintwork guarantee for authorised workshop repairs
Table of contents
- Overview of ECICS Car Insurance
- Coverage Options for ECICS Car Insurance
- Key Features of ECICS Car Insurance
- Review of Coverage
- Review of Exclusions
- Review of Premium
- Who is ECICS Most Suitable For?
- Conclusion
- FAQs on ECICS Car Insurance
Overview of ECICS Car Insurance
ECICS car insurance is designed to provide comprehensive coverage for drivers in Singapore. With a focus on flexibility and customer-centric features, ECICS aims to offer peace of mind to motorists while delivering value for money. Their policies are tailored to suit various driving profiles and vehicle types, making them a versatile choice in the competitive Singaporean insurance market.
Coverage Options for ECICS Car Insurance
ECICS car insurance offers a range of coverage options to suit different needs and budgets. While specific policy details may vary, here's a general overview of what you can expect:
|
Coverage Type |
Description |
|
Comprehensive |
Covers damage to your own vehicle, third-party property damage, and third-party bodily injury |
|
Third-Party Fire and Theft |
Covers third-party liabilities, fire damage to your vehicle, and theft of your vehicle |
|
Third-Party Only |
Covers only third-party liabilities as required by law |
Additional options and riders may be available to customise your policy further.
Also read: Third-Party Car Insurance and Beyond: Which One is Best for You?
Key Features of ECICS Car Insurance
ECICS distinguishes itself with several standout features:
- Excess Waiver for In-Car Camera: For policyholders with less than 30% No Claim Discount (NCD), ECICS will waive up to $250 excess for the first repair claim when in-car camera footage of the accident is provided.
- Workshop Flexibility: Policyholders can choose between any workshop or ECICS authorised workshops for repairs.
- NCD Protection and Upgrade: ECICS recognises NCD protectors from other insurers and offers NCD upgrades for eligible policyholders.
- Lifetime Repair and Paintwork Guarantee: For repairs carried out by authorised workshops, ECICS provides a lifetime workmanship and paintwork guarantee.
- Free Personal Accident Coverage: Up to S$50,000 personal accident coverage is included, which can be claimed in addition to other insurance plans.
Review of Coverage
ECICS car insurance offers comprehensive coverage that includes:
- Accidental damage to your vehicle
- Third-party property damage
- Third-party bodily injury
- Fire and theft protection (for comprehensive and TPFT policies)
- Personal accident coverage
- Towing and roadside assistance
The exact extent of coverage may vary depending on the policy type chosen.
Review of Exclusions
While ECICS strives to provide extensive coverage, there are some standard exclusions to be aware of:
- Damage caused by war, terrorism or nuclear risks
- Driving under the influence of alcohol or drugs
- Using the vehicle for purposes other than those declared in the policy
- Wear and tear, depreciation, or mechanical/electrical breakdowns
- Damage to tires unless other parts of the vehicle are damaged in the same incident
It's essential to review the policy document carefully for a complete list of exclusions.
Review of Premium
ECICS car insurance premiums are competitive within the Singapore market. Factors affecting the premium include:
- Vehicle make and model
- Driver's age and experience
- No Claim Discount (NCD) status
- Type of coverage selected
- Additional riders or options chosen
For an accurate car insurance quote, use our online tool on the SingSaver comparison site:
Who is ECICS Most Suitable For?
ECICS car insurance is particularly well-suited for:
- Drivers who value flexibility in choosing repair workshops
- Those with in-car cameras who can benefit from the excess waiver
- Motorists looking for comprehensive coverage with added personal accident protection
- Drivers switching from other insurers who want to maintain their NCD status
- Car owners who appreciate the peace of mind offered by lifetime repair guarantees
Conclusion
ECICS car insurance stands out in the Singaporean market with its customer-friendly features and flexible coverage options. The excess waiver for in-car camera users, workshop choice flexibility and lifetime repair guarantee are particularly attractive benefits. While premiums and exact coverage may vary based on individual circumstances, ECICS offers a compelling package that caters to a wide range of drivers.
As with any insurance decision, take the time to compare quotes and carefully review policy details before making a choice. ECICS car insurance presents a strong option for those seeking comprehensive coverage with added perks and flexibility.
FAQs on ECICS Car Insurance
Q: Can I transfer my NCD from another insurer to ECICS?
A: Yes, ECICS recognises NCD protectors from other insurers and may even upgrade your NCD if you've fulfilled at least 10 months in your current policy before switching.
Q: What is the benefit of the in-car camera excess waiver?
A: If your NCD is less than 30%, ECICS will waive up to $250 excess for your first repair claim when you provide in-car camera footage of the accident.
Q: Is the personal accident coverage included in all ECICS car insurance policies?
A: Yes, ECICS provides free personal accident coverage up to S$50,000 with their car insurance policies.
Q: How long is the repair guarantee valid?
A: ECICS offers a lifetime repair and paintwork guarantee for work done by their authorised workshops.
Q: Can I choose any workshop for repairs under ECICS car insurance?
A: Yes, ECICS allows you to choose between any workshop or their network of authorised workshops for repairs.
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