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Household Insurance - Burglary Insurance

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					                                                     HOMESURE POLICY
These Policy Terms & Conditions, the Schedule/Certificate of Insurance              “Home Contents” means:-
and any endorsement attached thereon shall be read together as one
                                                                                    All Your Valuable Property, furniture, fittings, home appliances,
contract and any word or expression to which a specific meaning has                 household belongings including household appliances hired by You or
been attached in any part of this Policy or of the Schedule/Certificate of          Your Family in Your Home, and Personal Belongings.
Insurance shall bear such specific meaning wherever it may appear.
                                                                                   “Hong Kong” means:-
The Proposal Form and Declaration made by the Proposer / Insured
shall form the basis of this contract and are deemed to be incorporated            The territorial limits of the Hong Kong Special Administrative Region.
herein. In consideration of the Insured has applied to Dah Sing
Insurance Company Limited (hereinafter called “the Company”) for the               “Money” means:-
insurance hereinafter contained and on the condition that the Insured
has paid the Premium as specified for such insurance, and at the time              Bank or currency notes, coins, cheques, premium bonds, travelers
of effecting this Policy the information provided in the Proposal Form             cheques, travel tickets, postal or money orders, postage stamps, tokens,
and Declaration / Certificate of Insurance is true and correct, the                stored value cards or other vehicle vouchers belonging to You or Your
Company will pay the benefits subject to the definitions, exclusions,              Family, excluding Specially Held items. The value of Money refers to
limitations, provisions and terms contained herein, endorsed hereon, or            the face value but not any antique or rarity value.
attached hereto.
                                                                                   “Period of Insurance” means:-

DEFINITIONS                                                                        The period specified in the Schedule / Certificate of Insurance for which
                                                                                   We have agreed to accept and You have paid or agreed to pay the
Certain words in the Policy have special meanings. These meanings                  appropriate premium.
are given below or defined at the beginning of the appropriate section.
Whenever these words are used this is what they mean.                              “Personal Belongings” means:-

“You/ Insured” means:-                                                             Articles of personal use specifically designed to be worn or carried,
                                                                                   belonging to You or Your Family, excluding Money and Specially Held
The Insured named in the Schedule / Certificate of Insurance.                      Items.

“Your Family” means:-                                                              “Personal Documents” means:-

Your spouse, children, parents and relatives permanently residing with             Hong Kong Identity Cards, Hong Kong Driving Licence, China Re-entry
You.                                                                               Permit and Passports.

“We / The Company / Us” means:-                                                    “Pet” means:-

Dah Sing Insurance Company Limited.                                                The insured cat(s) or dog(s), microchipped and licensed under the
                                                                                   name of You or Your Family, and named in the Schedule / Certificate of
“Assistance Services Provider” means:-                                             Insurance.

the home assistance services company as appointed by Dah Sing                      “The Schedule / Certificate of Insurance” means:-
Insurance Company Limited from time to time.
                                                                                   Details including the Insured’s name, address, location of risk and the
“Building” means:-                                                                 Sum Insured issued to You.

The structural part of Your Home, and the fixtures and interior                    “Specially Held Items” means:-
decoration permanently affixed thereon, including:
-   Fabric wall, ceiling and the paint thereon, false ceiling, flooring,           a)   Items which are held or used in connection with any profession,
    doors with frames, window with frames, skirting, water pipes,                       business or employment, or
    electric cables/wiring fixed or permanently installed on the                   b)   Items which are insured under a separate policy.
    structural parts of Your Home.
-   Such other things or parts as may be specifically described in the              “Valuable Property” means:-
    Schedule/Certificate of Insurance.
                                                                                   Jewellery, items of gold, silver or other precious metals, items of crystal
“Home” means:-                                                                     and precious stones, watches, photographic equipment, binoculars,
                                                                                   works of art, Chinaware, curios, furs, musical instruments (excluding
The building or the house, apartment or flat, at the situation mentioned           pianos).
on the Schedule / Certificate of Insurance, used for domestic purpose
only.


                         IMPORTANT - Please read this Policy carefully upon receipt and promptly request for any necessary amendments.
                                 重要事項         –      當收到這份保險單時,請仔細閱讀保單內容,並且提出任何必需的修訂。


Page 1 of 8 (HM072010)         20/F, Island Place Tower, 510 King’s Road, North Point, Hong Kong. Tel: 2808 5000 Fax: 2598 8008
                                                                             4)     Building                  5,000,000         5,000,000       5,000,000
                       SUMMARY OF BENEFITS
            (subject to terms and conditions of this Policy)                      4.1     Professionals’     Actual Cost     Actual Cost       Actual Cost
Coverage                          Maximum Benefit Per Year (HK$)                          Fees
                              Plan A       Plan B           Plan C                4.2     Removal of         Actual Cost     Actual Cost       Actual Cost
1)    Home Contents           300,000      600,000        1,200,000                       Debris
      Sub-limit per item/      30,000       60,000          120,000               4.3     Malicious            250,000          250,000         250,000
      set                                                                                 Damage by
                                                                                          Tenant
     1.1 Alternative           15,000         30,000          60,000
         Accommodation/       (500/day)     (1,000/day)     (2,000/day)      5)     Pet Medical                  N/A             3,500            3,500
         Loss or Rent                                                               Expenses
     1.2 Malicious Damage       15,000         30,000          60,000
         by Tenant           (1,500/ item   (3,000/ item   (6,000/ item or        - Outpatient Medical           N/A              300              300
                                or set)        or set)           set)               Expenses Daily Limit
     1.3 Contents in the         N/A           30,000          60,000             - X-ray & Laboratory           N/A            2,000             2,000
         Open Air                           (3,000/ item   (6,000/ item or          Tests                                    (1,000/visit/     (1,000/visit/
                                               or set)           set)                                                            day)              day)
     1.4 Valuable Property       N/A          150,000         300,000
                                              (15,000/      (30,000/ item
                                            item or set)       or set)       SECTION 1 – HOME CONTENTS
     1.5  School Closure         N/A            1,000           2,000
          Allowance
     1.6 Accident at                                                          We will cover You and Your Family, up to the Maximum Benefit stated
          Home                                                                in the Summary of Benefits, against any unforeseen sudden accidental
          - Death/               N/A          50,000          100,000         physical loss of Home Contents in Your Home when the Home is
            Permanent
                                                                              occupied by You.
            Disablement
                                                                              If You and Your Family are not the occupier of the Home at the time of
          - Sick Leave           N/A           3,000           6,000          loss or damage, We will only pay for loss caused by fire, explosion,
            Allowance                        (300/day)       (600/day)        lightning, earthquake, typhoon, storm, flood, riot, theft with forcible
     1.7 Replacement of          N/A           2,000           4,000          entry, aircraft and other aerial or spatial devices or articles dropped
          Locks                                                               from them, and impact by land vehicle.
     1.8 Damage during           N/A          600,000        1,200,000
          Interior                            (10,000/     (10,000/ item
          Decoration                        item or set)       or set)        Extensions applicable to Section 1
     1.9 Damage during           N/A          600,000        1,200,000
                                                                             1.1)       Alternative Accommodation/ Loss of Rent
          Relocation
          - Home                 N/A        (6,000/ item   (12,000/ item                In the event of Your Home, occupied by You and Your Family,
            Contents                           or set)        or set)                   being   rendered   uninhabitable   at    Our     discretion due to
          - Valuable             N/A          (15,000/     (30,000/ item                unforeseen sudden accidental physical loss or damage insured
            Property                        item or set)      or set)                   under the section or compulsory quarantine, We will pay the cost
     1.10 Temporary              N/A           30,000         60,000
                                                                                        incurred for reasonable temporary accommodation for as long
          Removal                             (10,000/     (10,000/ item
                                            item or set)      or set)                   as it is required to make Your Home inhabitable again.
     1.11 Temporary              N/A           60,000        120,000                    If Your Home is occupied by Your rent-paying tenant at the time
          Storage                                                                       of the accident, We will indemnify You as the landlord against
     1.12 Removal of             N/A           6,000           12,000                   loss of rent payable by the tenant to You during the period
          Debris
                                                                                        necessary for reinstating the Home.
     1.13 Frozen Food and        N/A           3,000           6,000
                                                                                        You and Your Family can only claim either alternative
          Drinks                                                                        accommodation or loss of rent for the same accident. Any claim
     1.14 Home                   N/A         Covered          Covered                   payment will not be more than the Maximum Benefit stated in
          Assistance                                                                    the Summary of Benefits during each Period of Insurance.
          Services
                                                                             1.2)       Malicious Damage by Tenant
2)    Legal Liability        3,000,000      6,000,000       12,000,000                  If Your Home is let out by You as the residential landlord, We
                                                                                        will pay, up to the Maximum Benefit stated in the Summary of
                                                                                        Benefits, for damage to Home Contents caused by the
     2.1Tenant’s Liability    Covered        Covered          Covered
                                                                                        malicious acts of Your rent-paying tenant who has been
     2.2Owner’s Liability     Covered        Covered          Covered                   convicted in the criminal court.
        in Common Area
                                                                                        We will not pay if the malicious damage relates to Home
   2.3 Personal Liability        N/A         Covered          Covered
3)  Worldwide Personal           N/A          15,000           30,000                   Contents which are in the internal or external common areas of
    Belongings                                                                          residential flats, home units, town houses or any type of multiple
    Sub-limit per item/          N/A           3,000           6,000                    occupancy residences.
    set
                                                                             1.3)       Contents in the Open Air
     3.1   Theft of Money        N/A           1,500           3,000                    We will cover, up to the Maximum Benefit stated in the
     3.2   Unauthorised          N/A           3,000           6,000                    Summary of Benefits, for loss of or damage to Home Contents
           Use of Credit
                                                                                        happening in the open air within the boundaries of Your Home
                                                                                        and stated on the Schedule / Certificate of Insurance, unless
           Card
                                                                                        such loss or damage happens as a result of burglary.
     3.3   Personal              N/A           1,000           2,000
           Documents                                                         1.4)       Valuable Property
                                                                                        We will cover, up to the Maximum Benefit stated in the
                                                                                        Summary of Benefits, for loss of or damage to Valuable
                                                                                        Property owned by You and Your Family in Your Home.

Page 2 of 8 (HM072010)
        Any claim payment will not be more than the Maximum Benefit                We will cover the cost actually incurred in the removal of debris
        stated in the Summary of Benefits during each Period of
        Insurance.                                                                 of Home Contents which have been destroyed or damaged by
                                                                                   any insured perils, and of any undamaged Home Contents
1.5)   School Closure Allowance                                                    which facilitates such removal of debris.
        In the event of the school closure over 7 days as a result of the          The Company will not pay for any costs or expenses incurred in
        outbreak of infectious disease in the school in which any                  removing debris except from the site of such property destroyed
        member of Your Family aged below 12 is studying, We will                   or damaged and the area immediately adjacent to such site.
        reimburse the cost incurred for any unused services including              Any claim payment will not be more the Maximum Benefit stated
        school buses, meal, and extra-curricular activities organised by           in the Summary of Benefits during the Period of Insurance.
        and held at the school that could not be recovered elsewhere
        up to the Maximum Benefit stated in the Summary of Benefits.         1.13) Frozen Food & Drinks
                                                                                   We will pay the cost of replacing food and drinks which are
1.6)   Accident at Home                                                            spoilt in Your deep freeze unit by:
                                                                                   a. accidental breakdown of the freezer unit which is less than 5
        We will pay compensation, for each person and in aggregate, in                years old.
        the event that You or Your Family sustains bodily injury caused            b. accidental failure of the electricity supply provided such
        by burglars within Your Home, against which a medical                         failure is not caused by the deliberate act of the supply
                                                                                      authority or its employees.
        practitioner has granted a sick leave of not less than 4                   Any claim payment will not be more than the Maximum Benefit
        consecutive days for sick leave allowance, or given such                   stated in the Summary of Benefits during each Period of
        medical evidence in the case of death or total permanent                   Insurance.
        disablement.                                                         1.14) Home Assistance Services
        Any claim payment will not be more than the Maximum Benefit                The Assistance Services Provider shall provide the following
        stated in the Summary of Benefits during each Period of                    referral services in Hong Kong when You contact the
        Insurance.                                                                 Assistance Services Provider:
1.7)   Replacement of Locks
                                                                                        Electrical Assistance
        We will pay the reasonable cost incurred for the replacement                    The Assistance Services Provider shall arrange a
        and installation of windows locks and external door locks and/or                competent and registered electrician to repair the main
                                                                                        switch or wall switch of Your Home in case of such main
        keys of the Home with items that are similar but not better,
                                                                                        switch or wall switch failure.
        following loss of or damage to keys or locks due to burglary or                 Plumbing Assistance
        attempt burglary subject to a maximum amount stated in the                      In the event of clogging of the water pipe or bursting of
                                                                                        water pipe (not water tap) within Your Home, the
        Summary of Benefits during each Period of Insurance.                            Assistance Services Provider shall arrange a competent
                                                                                        plumber to repair the water supply and water draining
1.8)   Damage during Interior Decoration                                                system.
        We will cover You or Your Family for unforeseen sudden                          Locksmith Assistance
        accidental physical loss of or damage to Home Contents of                       If You are unable to access Your Home by reason of not
                                                                                        being in possession of the keys or being locked
        Your Home during a period of interior decoration or renovation                  accidentally outside Your Home, the Assistance Services
        works, provided that the period is not longer than 2 months and                 Provider shall arrange a locksmith to gain access to Your
        the contract sum of such works is less than HK$100,000, but                     Home.
                                                                                        Air Conditioning Engineer Assistance
        excluding any direct or indirect loss or damage caused by:                      In the event of breakdown of the engine of the air
        a. bursting of water pipes and/or blocking of drainage system;                  conditioner in Your Home, the Assistance Services
        b. poor workmanship of the decoration works                                     Provider shall arrange a competent and registered
        Any claim payment will not be more than the Maximum Benefit                     engineer to repair the air conditioner but not for the
        stated in the Summary of Benefits during each Period of                         maintenance of the air-conditioner such as the problem
        Insurance.                                                                      relating with the noise, coolness or water dripping.
                                                                                        Home Cleaning Referral
1.9)   Damage during Relocation                                                         In the event that You require assistance for carpet cleaning,
        We will cover any unforeseen sudden accidental physical loss                    sofa cleaning, window cleaning, wall tiles or floor tiles
        of or damage to Home Contents while being moved by a                            cleaning for Your Home, the Assistance Services Provider
                                                                                        shall provide referral information on competent service
        professional remover up to the Maximum Benefit stated in the                    providers and their charges.
        Summary of Benefits from Your Home to Your new permanent                        Emergency Home Nursing Care Referral
        residence within Hong Kong, but excluding any item of                           Upon the request of You during an emergency, the
                                                                                        Assistance Services Provider shall organise and arrange
        perishable or fragile nature unless such fragile item has been                  for a registered nurse to provide nursing care to any
        packed by the professional remover.                                             person specified by You.
                                                                                        Pest Control Referral
1.10) Temporary Removal                                                                 Upon Your request, the Assistance Services Provider is
        Any Home Contents temporarily removed from Home to                              able to arrange for a company specialised in pest control to
                                                                                        deal with the pest problem at Your Home.
        elsewhere in Hong Kong for cleaning, repairing or maintenance                   Household Appliance Referral
        shall be covered up to the Maximum Benefit of the Summary of                    In the event that You require assistance for repair services
        Benefits for loss or damage due to fire, lightning, explosion,                  to washing machine, dryer, refrigerator, microwave,
                                                                                        television, video cassette recorder player, laser disk player,
        storm, flood, malicious acts, burglary or robbery.                              or hi-fi at Your Home, the Assistance Services Provider will
                                                                                        as far as possible provide referral information on
1.11) Temporary Storage                                                                 competent service providers and their charges.
        In the event that the Home becomes uninhabitable at Our
        discretion as a result of the insured event, we will pay up to the        The Home Assistance Services are purely on referral or
                                                                                  arrangement basis only. All the costs incurred in using the
        Maximum Benefit of the Summary of Benefits for the actual cost
                                                                                  services will be at the own expenses of You and Your Family,
        of temporary storage of Home Contents up to a maximum of 30               and the Company shall not be responsible for any damages or
        days.                                                                     consequential damages arising out of services provided by the
                                                                                  service providers referred by the Assistance Services Provider or
1.12) Removal of Debris                                                           be responsible or pay for any costs or expenses incurred.
Page 3 of 8 (HM072010)
 Maximum Liability of Section 1:                                                                    3.      by deception unless deception is used to
                                                                                                            enter the Home.
 The maximum amount payable for all benefits including the                            (xvii)    Malicious Damage or Vandalism
 extensions under this Section shall not in aggregate exceed 100% of                                1.      if the Home is unoccupied for more than 30
 the Maximum Benefit of Section 1 as stated in the Summary of                                               days;
 Benefits.                                                                                          2.      by a person lawfully in Home;
                                                                                      (xviii)   Escape of water or oil from any washing machine,
                                                                                                dishwasher or fixed domestic water or heating
 Exclusions to Section 1:                                                                       installation if the Home is unoccupied;

 Section 1 under this Policy does not cover:
                                                                               SECTION 2 – LEGAL LIABILITY
 a)    The first HK$1,000 of the loss of Home Contents, Personal
       Belongings and portable computers for each and every water
       damage claim;
 b)    The first HK$10,000 or 10% of loss, whichever is the greater for       We will indemnify You and Your Family, as occupier or owner of Your
       each and every landslip and subsidence claim, subject to               Home, against legal liability, including the legal costs and expenses, for
       Exclusion s)(xii) in which no benefit will be payable at all;                   accidental death or bodily injury including illness of; or
 c)    For claims other than those in a) and b), the first HK$250 of the               accidental loss of or damage to property belonging to
       loss of Home Contents (other than those in the Open Air) and           any person other than You and Your Family
       Personal Belongings (except portable computers), HK$500 of
       portable computers, and HK$2,000 of Home Contents in the
       Open Air.                                                              Extensions applicable to Section 2:
 d)    Motor vehicles (other than Lawnmovers and pedestrian
       controlled gardening implements for home use only),                     2.1) Tenant’s Liability
       motorcycles, caravans, trailers or their spare parts and                     We will cover the legal liability of You and Your Family under
       accessories when on them.                                                    the tenancy agreement arising out or in connection with
 e)    Livestock, pets and animals.                                                 damage caused by or resulting from fire, explosion, storm and
 f)    Growing crops and plants.                                                    typhoon:
 g)    Watercraft (other than hand-propelled), hovercraft, boats and                -   to the Building of Your Home or part thereof not belonging
       outbound motors or their spare parts and accessories.                            to You but whilst under Your occupation; or
 h)    Aircraft or any aerial or spatial device and their accessories and           -   to the Home Contents of Your Home or part thereof not
       spare parts including satellite antennae.                                        belonging to but in charge of / by You or under Your control
 i)    Mobile phones, pagers and any device with telephoning function.                  but in no case is Your legal liability as bailee included
 j)    Contact lenses, dentures and prostheses.
 k)    Property in the course of removal or transit.                           2.2) Owner’s Liability in Common Area
 l)    Specially Held Items                                                         We will indemnify You and Your Family for any third party
 m)    Loss of or damage to records, audio, films, tapes, cassettes,                compensation which You and Your Family become legally liable
       cartridges, digital or computer discs or diskettes other than for            to pay as an owner of the common parts of the building of which
       their value as unused material, unless purchased pre-recorded                Your Home is attached. For the purpose of this extension, the
       when We will pay up to the maker’s latest price list.                        meaning of “owner”, “common parts” and building shall be
 n)    Replacement cost/fee of Personal Documents                                   referred to Building Management Ordinance (Chapter 344 of the
 o)    Home Contents on roof or in open area                                        Laws of Hong Kong).
 p)    Landlord’s fixtures & fittings
 q)    Securities, Money, certificates and documents, stamps collection,       2.3) Personal Liability
       cheques, postal or other money order                                         We will extend to indemnify You and Your Family solely in
 r)    Any item falls under the definition of “Building” or any claim               personal capacity, other than as owner, occupier or tenant of
       payable under the section of “Building”                                      Your Home, against legal liability for accidental injury of any
 s)    Loss or damage caused by : -                                                 person or accidental loss of or damage to the property of any
         (i)        Wear and tear, depreciation;                                    person happened in Hong Kong, or the first 60 days of Your stay
         (ii)       Mildew, rot, corrosion, rust, gradual deterioration;            outside Hong Kong, from the date of Your departure from Hong
         (iii)      Insects, vermin;                                                Kong, during the Period of Insurance.
         (iv)       Cleaning, repairing, restoring;
         (v)        Scratching or denting;
         (vi)       Domestic animals which You own or are in Your              Maximum Liability of Section 2:
                    custody or control;
         (vii)      Mechanical and/or malfunction and/or burning out of        The maximum amount payable for all benefits including the
                    machinery and electrical appliances and computer           extensions under this Section and the related legal costs and
                    equipment;                                                 expenses shall not in aggregate exceed 100% of the Maximum
         (viii)     Inherent fault, latent defect or defective workmanship,    Benefit of Section 2 as stated in the Summary of Benefits.
                    defective material or design;
         (ix)       Mysterious disappearance or unexplained loss;              In the event that You and/or Your Family are covered by more than
         (x)        Deliberate acts by You or Your Family or Your              one of the covers/ extensions for the same incident, or by more than
                    servants, agents, invitees or licensees;                   one policy issued by us, the maximum limit under this Section for any
         (xi)       Artificially generated electrical current to electrical    one incident will be based on the cover/extension/policy that provides
                    equipment and wiring;                                      the greatest amount of benefit.
         (xii)      Landslip, subsidence or erosion which is a result of:
                        1.      Coastal erosion;
                        2.      Heave;                                         Exclusions to Section 2:
                        3.      Bedding down of structures or the
                                settlement of made up ground within 5          Section 2 under this Policy does not cover:
                                years of the completion of such works;
         (xiii)     Settling or cracking of land resulting from earth          a)   The first HK$250 of the loss of each and every third party
                    movements or underground water pressure;                        property damage claim;
         (xiv)      Infidelity or dishonesty on the part of You, Your          b)   The first HK$1,000 for each and every water damage claim;
                    Family or Your servants, agents, invitees or licensees;    c)   Any liability for:
         (xv)       Shrinkage, evaporation, loss of weight, contamination,          (i)         Bodily injury to You or Your Family or any person in the
                    change in flavour, colour texture of finish, action of                      service of You.
                    light;                                                          (ii)        Loss of or damage to property belonging to or in the
         (xvi)      Theft                                                                       custody or control of You or Your Family or any person in
                        1.      if the Home is unoccupied for more than 30                      the service of You.
                                days;                                               (iii)       The ownership, occupation or use of any land or building
                        2.      if the Home or any part is lent or let;                         other than Your Home specified in the Schedule/
                                                                                                Certificate of Insurance.
Page 4 of 8 (HM072010)
       (iv)        Any agreement to make payment by way of indemnity or           h)      Excluded risks including loss or damage caused by
                   otherwise unless such liability would have attached in the             (i)         Wear and tear.
                   absence of such agreement.                                             (ii)        Mildew, rot, corrosion, rust, gradual deterioration.
       (v)         The exercise of any trade, profession or employment.                   (iii)       Insects, vermin.
       (vi)        The ownership, possession, driving or use of                           (iv)        Fungus, atmospheric conditions.
                   mechanically-propelled vehicles, aircraft or watercraft.               (v)         Cleaning, repairing, restoring.
       (vii)       The ownership, use or possession of any animals other                  (vi)        Scratching or denting.
                   than the domestic cats and dogs.                                       (vii)       Domestic animals which You own or are in Your
       (viii)      Personal injury or bodily injury or loss of, damage to, or                         custody, care or control.
                   loss of use of property directly or indirectly caused by               (viii)      Breakdown and/or mechanical malfunction of
                   seepage, pollution or contamination.                                               electrical appliances and computer equipment.
       (ix)        The cost of removing, nullifying or cleaning-up seeping,               (ix)        Inherent fault, latent defect or defective workmanship,
                   polluting or contaminating substances.                                             defective material or design.
       (x)         Fines, penalties, punitive or exemplary damages.                       (x)         Depreciation in value.
       (xi)        The carrying out of alterations, additions or repairs by an            (xi)        Mysterious disappearance or unexplained loss.
                   independent contractor.                                                (xii)       Artificially generated electrical current to electrical
       (xii)       Any claim or loss arising out of any activities and/or                             equipment and wiring;
                   business conducted and/or transacted via the Internet,         i)      Detention, seizure or confiscation by customs or other officials.
                   Intranet, Extranet and/or via own websites, Internet site,
                   web address and/or via the transmission of electronic mail
                   or documents by electronic means.
                                                                                   SECTION 4 – BUILDING
       (xiii)      Death or bodily injury including illness of any person
                   directly or indirectly caused by infectious disease which is
                   listed in the First Schedule of the Quarantine and
                   Prevention of Disease Ordinance (Chapter 141 of the             We will cover You and Your Family against any unforeseen sudden
                   Laws of Hong Kong) as at the date of receipt by the             accidental physical loss of Your Building up to the Maximum Benefit
                   Company of Your written notification of a claim.                stated in the Summary of Benefits unless otherwise specifically
                                                                                   excluded.

                                                                                   If You and Your Family are not the occupier of the Home at the time
 SECTION 3 – WORLDWIDE PERSONAL BELONGINGS                                         of loss or damage, We will only pay for loss caused by fire, explosion,
                                                                                   lightning, earthquake, typhoon, storm, flood, riot, theft with forcible
                                                                                   entry, aircraft and other aerial or spatial devices or articles dropped
 We will cover You and Your Family for any accidental physical loss of             from them, and impact by land vehicle.
 or damage to Personal Belongings of You and Your Family happening
 anywhere in the world up to the Maximum Benefit stated in the
 Summary of Benefits.                                                              Extensions applicable to Section 4

                                                                                   4.1) Professionals’ Fees
 Extensions applicable to Section 3                                                         We will cover the cost necessarily incurred in appointing the
3.1)    Theft of Money                                                                      architects,   surveyors,    and    consulting    engineers    for
        We will indemnify You and Your Family against theft or robbery                      reinstatement of Your Building which has been destroyed and
        of Money anywhere in the world up to the Maximum Benefit                            damaged by an insured event.
        stated in the Summary of Benefits.

3.2)    Unauthorised Use of Credit Cards                                           4.2) Removal of Debris
        We will indemnify You and Your Family for accidental loss                           We will cover the actual cost incurred in the necessary
        resulting from unauthorised use of credit cards in the event of                     demolition shoring up or propping of the Building and the
        theft or robbery anywhere in the world up to the Maximum
        Benefit stated in the Summary of Benefits provided that such                        removal of debris following destruction or damage by any of the
        loss is reported to the local police within 24 hours of discovery.                  perils hereby insured against provided that such cost is not
                                                                                            recoverable under any other Policy of insurance.
3.3)    Personal Documents
        We will cover, up to the Maximum Benefit stated in the                              The Company will not pay for any costs or expenses incurred in
        Summary of Benefits, for the replacement fee or costs of                            removing debris except from the site of such property destroyed
        Personal Documents accidentally lost or damaged anywhere in                         or damaged and the area immediately adjacent to such site.
        the world.
                                                                                   4.3) Malicious Damage by Tenant
                                                                                        If Your Home is let out by You as the residential landlord, We
 Maximum Liability of Section 3:                                                        will pay, up to the Maximum Benefit stated in the Summary of
                                                                                        Benefits, for damage to Building caused by the malicious acts of
 The maximum amount payable for all benefits including the                              Your tenant who has been convicted in the criminal court.
 extensions under this Section shall not in aggregate exceed 100% of
 the Maximum Benefit of Section 3 as stated in the Summary of
 Benefits.
                                                                                   Maximum Liability of Section 4:

 Exclusions to Section 3:                                                          The maximum amount payable for all benefits including the
                                                                                   Extensions under this Section shall not in aggregate exceed 100% of
Section 3 under this Policy does not cover:                                        the Maximum Benefit of Section 4 as stated in the Summary of
                                                                                   Benefits.
a)     The first HK$500 of portable computers, and the first HK$250 of
       the loss of other Personal Belongings;
b)     Contact lenses, dentures and prostheses;                                    Exclusions to Section 4:
c)     Sports equipment and musical instruments while in use;
d)     Mobile phone, pagers and any device with telephoning function;                  Section 4 under this Policy does not cover:
e)     Specially Held Items;
f)     Theft                                                                           a) The first HK$1,000 for each and every water damage claim;
       (i)          by deception unless deception is used to enter Your                b) The first HK$10,000 or 10% of the loss, whichever is the greater,
                    Home.                                                                 for each and every landslip and subsidence claim, subject to
       (ii)         from an unattended vehicle.                                           Exclusion g) & h) below in which no benefit will be payable at all;
       (iii)        of any pedal cycle away from the Home not securely                 c) Loss or damage caused by : -
                    locked at the time of loss.                                           (i) Wear and tear;
g)     Deliberate acts by You or Your Family.                                             (ii) Mildew, rot, corrosion, rust, gradual deterioration;
Page 5 of 8 (HM072010)
       (iii) Insects, vermin;                                                              i) the use or threat of force, violence; and/or
       (iv) Domestic animals which You own or are in Your care,                             ii) harm or damage to life or to property (or the threat of such
              custody, or control;                                                               harm or damage) including, but not limited to, nuclear
       (v) Inherent fault, latent defect or defective workmanship,                               radiation and/or contamination by chemical and/or
              defective material or design;
                                                                                                 biological agents, by any person(s) or group(s) of persons,
       (vi) Loss of or damage to electrical equipment and wiring caused
              by artificially generated electrical current;                                      committed for political, religious, ideological or similar
       (vii) Breakdown and/or malfunction and/or burning out of                                  purposes, express or otherwise, and/or to put the public or
              machinery and electrical appliances and computer                                   any section of the public in fear; or
              equipment;                                                               (c) any action taken in controlling, preventing, suppressing or in
       (viii) Alterations or repairs involving the removal of structural                        any way relating to (a) or (b) above.
              support;                                                                 If the Company alleges that by reason of this exclusion, any loss,
       (ix) Mysterious disappearance or unexplained loss;                              damage, cost or expense is not covered by this insurance the
       (x) Deliberate acts by You or Your Family;                                      burden of proving the contrary shall be upon the Insured.
       (xi) Settling or cracking of land resulting from earth movements
              or underground water pressure;
d)     Any items as described under the definition of “Home Contents”             2.   Political Risks Exclusion Clause
       or any claim payable under “Home Contents” Section.                             This insurance does not cover loss or damage occasioned directly
e)     Fixtures and fittings that are not permanently affixed to the interior          or indirectly by or through or in consequence of any of the
       of the Home or for which You are not legally responsible as a                   following occurrences namely:
       tenant under the relevant tenancy agreement; and                                 i) permanent or temporary dispossession resulting from
f)     Foundations and drains of the Building.                                              confiscation nationalisation commandeering or requisition by
g)     Any landslip, subsidence or erosion which is a result of:                            any lawfully constituted authority;
       (i) Coastal erosion;                                                            ii) permanent or temporary dispossession of any building resulting
       (ii) Heave;
                                                                                            from the unlawful occupation of such building by any person;
       (iii) Bedding down of structures or the settlement of made up
              ground within 5 years of the completion of such works;                        provided that the Company is not relieved of any liability to You
h)     Loss of or damage to paths, drives, fences, gates, boundary and                      and Your Family in respect of physical damage to the property
       retaining walls caused by subsidence and/or landslip.                                insured occurring before dispossession or during temporary
                                                                                            dispossession which is otherwise covered by this Policy;
                                                                                        iii) the destruction of property by order of any public authority.
 SECTION 5 – PET MEDICAL EXPENSES                                                       In any action suit or other proceeding where the Company alleges
                                                                                         that by reason of the provisions above any loss destruction or
 We will reimburse the outpatient medical, X-ray and laboratory test                     damage is not covered by this insurance the burden of proving
 expenses reasonably incurred by Your Pet in Hong Kong up to the                         that such loss destruction or damage is covered shall be upon
 Maximum Benefit as stated in the Summary of Benefits if the Pet                         You and Your Family.
 suffers from injury or sickness in Hong Kong.
                                                                                  3.   Radioactive Exclusion Clause
                                                                                       This insurance does not cover loss, damage, cost or expense of
 Exclusions to Section 5:                                                               whatsoever nature directly or indirectly caused by, resulting from
                                                                                        or in connection with any of the following regardless of any other
 Section 5 under this Policy does not cover:
                                                                                        cause or event contributing concurrently or in any other
                                                                                        sequence to the loss:
 a)     The first HK$100 of outpatient medical expenses per visit and the
                                                                                        i) ionising radiations from or contamination by radioactivity from
        first HK$500 of x-ray and laboratory test expenses per visit;
                                                                                              any nuclear fuel or from any nuclear waste from the
 b)     Any illness or condition arising prior to or within first 14 days after
                                                                                              combustion of nuclear fuel;
        commencement of cover;
                                                                                         ii) the radioactive, toxic, explosive or other hazardous or
 c)     Routine health check, vaccinations, preventive treatment, spaying,
                                                                                              contaminating properties of any nuclear installation, reactor or
        castration, behavioural problems, physiotherapy and training
                                                                                              other nuclear assembly or nuclear component thereof;
        (unless caused by insured illness or accident), pregnancy,
                                                                                         iii) any weapon of war employing atomic or nuclear fission
        miscarriage, abortion, costs of whelping or kittening, euthanasia
                                                                                               and/or fusion or other like reaction or radioactive force or
        (unless deemed necessary by an registered veterinary surgeon to
                                                                                               matter.
        alleviate pain and suffering), disposal charges, cremation or post
        mortems, dental problems, dietary products, grooming and
                                                                                  4.   IT Clarification Clause
        elective treatment, cost of fringe, unlicensed and unconventional
                                                                                       Any damage to data or software, in particular any detrimental
        medicines, and any congenital condition;
                                                                                       change in data, software or computer programs that is caused by
 d)     Any claims where treatment or medication not administered by
                                                                                       a deletion, a corruption or a deformation of the original structure.
        registered veterinary surgeons under the Veterinary Surgeons
        Registration Ordinance (Chapter 529 of the Laws of Hong Kong).
                                                                                       Consequently the followings are excluded from this Policy:

GENERAL EXCLUSIONS TO THE WHOLE POLICY                                                 (a)    Loss of or damage to data, software or computer programs,
                                                                                              in particular any detrimental change in data, software or
This Policy does not cover loss or liability whatsoever caused by:-                           computer programs that is caused by a deletion, a corruption
                                                                                              or a deformation of the original structure, and any business
1.      War and Terrorism Exclusion                                                           interruption losses resulting from such loss or damage.
         The insurance by this Policy excludes:                                               Notwithstanding this exclusion, loss of or damage to data,
        Death, disability, loss, damage, destruction, any legal liabilities,                  software or computer programs which is the direct
        cost or expense including consequential loss of whatsoever                            consequence of insured physical damage to the substance
        nature, directly or indirectly caused by, resulting from, or in                       of property shall be covered.
        connection with any of the following regardless of any other cause
        or event contributing concurrently or in any other sequence to the              (b)   Loss or damage resulting from an impairment in the
        loss:                                                                                  function, availability, range of use or accessibility of data,
      (a) war, invasion, acts of foreign enemies, hostilities or warlike                       software or computer programs, and any business
           operations (whether war be declared or not), civil war, rebellion,                  interruption losses resulting from such loss or damage.
           revolution, insurrection, civil commotion assuming the
           proportions of or amounting to an uprising, military or usurped        5.   Total Asbestos Exclusion Clause
           power; or                                                                   This insurance shall not apply to and does not cover any actual or
       (b) any act of terrorism including but not limited to                           alleged liability whatsoever for any claim or claims in respect of
                                                                                       loss or losses directly or indirectly arising out of, resulting from or
Page 6 of 8 (HM072010)
       in consequence of, or in any way involving asbestos, or any                from time to time. If the parties fail to agree upon the choice of the
       materials containing asbestos in whatever form or quantity.                arbitrator, then the choice shall be referred to the Chairman for the
                                                                                  time being of the Hong Kong International Arbitration Centre. It is
6.     Pollution Exclusion Clause                                                 expressly stipulated that it shall be a condition precedent to any
                                                                                  right of action or suit upon this Policy that an arbitration award shall
       This Insurance does not cover cost and expenses arising from
                                                                                  be first obtained. If the Company shall disclaim liability to You for
       loss or destruction or damage or bodily injury caused by seepage,          any claim hereunder and such claim shall not within twelve (12)
       pollution or contamination except destruction or damage or injury          calendar months from the date of such disclaimer have been
       caused by seepage, pollution or contamination resulting from a             referred to arbitration under the provisions herein contained then the
       peril hereby insured against.                                              claim shall for all purposes be deemed to have been abandoned
                                                                                  and shall not thereafter be recoverable hereunder.
7.     Sonic Bangs Exclusion Clause
       Loss or damage directly occasioned by pressure waves caused           6. Subrogation
       by aircraft and other aerial devices travelling at sonic or              The Company has the right to proceed at the Company’s own
                                                                                expense in the name of You and Your Family against third parties
       supersonic speeds.
                                                                                who may be responsible for an occurrence giving rise to a claim
                                                                                under this Policy.
8.     Any other gradually operating cause including seepage.
                                                                             7. Misrepresentation
9.     Consequential loss or damage of any kind unless specifically             If You/ Your Family or anyone acting for the You/ Your Family makes
       provided for otherwise in the Policy.                                    a statement in the application or in connection with any claim under
                                                                                this Policy knowing the statement is false, the Company will not be
10.    Requisition or destruction of or damage to property by or                liable for any claim and this Policy shall cease.
       under the order of Government or Local Authority or
                                                                             8.    Pair and Set
       confiscation or nationalisation.
                                                                                   In the case of loss of or damage to any article or articles, which are
                                                                                   a part of a set, the measure of loss of our damage to such article
11.    Any judgements which are not in the first instance delivered                or articles shall be the ratable proportion of the total value of the
       by or obtained from a court of competent jurisdiction within                set, and in no event shall such loss or damage be construed to
       the Hong Kong SAR.                                                          mean total loss of the set.

12.    Any loss or damage due to mysterious loss or unexplained              9.    We have the right to the salvage of any insured property which is
       disappearance.                                                              the subject of the claim.

                                                                             10. You or Your Family must not cause or facilitate loss to the insured
13.    Any willful, malicious or deliberate act by You or Your Family.
                                                                                 property or liability by any reckless or willful act and You must tell
                                                                                 us and have our acknowledgment in writing if Your Home is to be
14.    any loss or liability where the cover is already provided by              unoccupied for 30 consecutive days. If these obligations are not
       other insurance. No contribution will be made towards any                 fulfilled, We may decline any claim You make.
       claims under any other policies.
                                                                             11. Claims Condition
                                                                                 When a claim occurs or is likely to occur, You must advise us in
GENERAL CONDITIONS APPLICABLE TO THE WHOLE POLICY:                               writing as soon as possible, and in no case later than 30 days from
                                                                                 the date of occurrence.
1.    Basis of Settlement of Claims                                              (a) For loss or damage claims You must:
       a) We will at our option replace the property with equivalent                    i) at Your own cost provide us with all certified information
           new property available or repair the property to a condition                      and evidence as We may request.
           equal to but not better than its condition when new or pay                   ii) notify the police immediately (and in no case later than 24
           the cost of such replacement or repair whichever is the less                      hours) of any items missing or loss by deception, theft,
           without any deduction for wear and tear or depreciation.                          malicious acts, riot or civil commotion.
       b) In the case of loss of or damage to any property or                     (b) For liability claims You must:
           properties, which are a part of a pair or a set, the measure of              i) send to us any letter, claim, writ or summons immediately
           loss of or damage to such article or articles shall be the                        when it is received
           rateable proportion of the total value of the pair or the set,               ii) advise us immediately when You have knowledge of any
           and in no event such loss or damage be construed to mean                          impending prosecution inquest or fatal inquiry.
           total loss of the pair or the set.                                           iii) not make any admission, offer or promise of payment
       c) We do not have to repair or replace the property exactly as                         without our consent and We shall be entitled if We do so
           they were but will ensure that they are reasonably                                 desire to take over and conduct in Your name for the
           comparable with their original condition as long as it is                          defence or settlement or handling of any claim and You
           practicable to do so.                                                              shall give all such information and assistance as we
                                                                                              may require.
2.    Underinsurance
                                                                             12. Duplicate Insurance
      Should at the time of loss or damage to the property insured be
                                                                                 If You are covered under more than one insurance policy
      collectively of greater value than the sum insured thereon, You
      shall bear a share of the damage corresponding directly to the             underwritten by the Company, only the policy with the greatest
      proportion of underinsurance. Every item, if more than one, of the         compensation of the section(s) to claim will apply in claims and only
      property insured shall be separately subject to this Condition.            the benefits thereunder be payable. The other policy/ policies is/are
                                                                                 deemed to be void from inception and the premium will be refunded
3.    Prevention of Loss                                                         accordingly.
      You and Your Family must comply with all statutory obligations and
      take all reasonable steps to:                                          13. Cancellation of the Policy
      a) prevent loss, damage or injury and                                     (a)  BY YOU
      b) maintain in good condition and good repair of any insured                   The Insured may at any time cancel this Policy by delivering
          property.                                                                  to the Company a notice in writing whereupon the Company
                                                                                     shall refund the Insured all the unused part of any premium
4. Change of Risk                                                                    paid in respect of the unexpired Period of Insurance
   During the Period of Insurance, You must advise us of any change                  calculated at the customary short period rate subject to a
   made to Your Home or in circumstances which would increase the                    minimum and non-refundable premium of HK$500.
   possibility of loss and pay necessary additional premium due if             (b)   BY THE COMPANY
   required.                                                                         The Company may cancel this Policy by sending seven (7)
                                                                                     days’ notice by registered letter to the Insured at his last
5. Arbitration                                                                       known address and the Company will refund to the Insured
   All differences arising out of this Policy shall be determined by                 the proportionate part of any premium paid in respect of the
   arbitration in accordance with the Arbitration Ordinance as amended               unexpired Period of Insurance.
Page 7 of 8 (HM072010)
14. Reinstatement
    If this Policy is terminated for any reason, acceptance and
    approval of a subsequent application form by the Company shall
    reinstate this Policy. The reinstated policy shall provide benefits
    only for loss or damage that occurs after the date of reinstatement.

15. Jurisdiction Clause
    The indemnity provided by this Policy shall not apply in respect of
    judgements which are not in the first instance delivered by or
    obtained from a Court of competent jurisdiction within Hong Kong
    nor to orders obtained in the said Court for the enforcement of
    judgements made outside Hong Kong whether by way of reciprocal
    agreement or otherwise.

16. Governing Law
    The Policy is subject to the exclusive jurisdiction of the courts of
    Hong Kong and is constructed according to the laws of Hong Kong
    Special Administrative Region.


Appendix : Notice to customers relating to the Personal Data
(Privacy) Ordinance (hereinafter referred to “the Ordinance”)

1. The information which You have provided in this Company in the
   proposal form and in any other documents in relation to this Policy
   and in relation to any claims of whatsoever nature made under this
   Policy and the alternations, the variations or cancellation of any such
   information (“Your personal information”) may be or would be held,
   used or disclosed in connection with this Policy or any other
   insurance related product or in connection with any claims of
   whatsoever nature made under this Policy and legal proceedings
   arising therefrom by this Company and may be transferred to any
   related company or to any other company carrying on insurance
   related business in or from Hong Kong or to any association or
   federation of insurance companies that exists or is formed from time
   to time.

2. Your personal information will be kept confidential by Company save
   and except for the purposes referred to hereinabove.

3. This Company is hereby authorised to obtain access to and/or to
   verify any of Your data with information collected by any federation of
   insurance companies from the insurance industry.

4. Under the Ordinance, You have the right to obtain access to any
   records containing Your personal information and You also have the
   right to request the correction of any of Your personal information
   which is inaccurate within such records. Request for access to or
   correction of Your personal information held by this Company can be
   made in writing to the Data Protection Officer of Dah Sing Insurance
   Company Limited.

5. This Company intends to use or has used Your personal information
   to provide You with information on other services and products of this
   Company. If You do not wish to receive any such information, You
   are required to inform this Company in writing to the Data Protection
   Officer of Dah Sing Insurance Company Limited.

          The Data Protection Officer
          Dah Sing Insurance Company Limited.

          20/F., Island Place Tower,
          510 King’s Road, North Point,
          Hong Kong.
          Tel: 28085000
          Fax: 25988008




Page 8 of 8 (HM072010)