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.
“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
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
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
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
occupied by You.
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
- 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
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.
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.
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
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
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
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
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.
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
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
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
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
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
who may be responsible for an occurrence giving rise to a claim
under this Policy.
8. Any other gradually operating cause including seepage.
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
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)
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
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
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,
Page 8 of 8 (HM072010)