This plan is underwritten by QBE General Insurance (Hong Kong) Limited. The plan covers damage to property or belongings caused by fire, including incidental damage caused by fire occurs in the building or neighourhood of the insured property.
The plan protects against damage to property or belongings caused by a lightning strike or thunderbolt; or incidental damage to property caused by a fire in the building or neighbourhood of the insured property. It also covers property damage by water or otherwise by the Fire Services Department during fire-fighting.
Coverage includes the building (shell), furniture and fittings inside the property, decorations, electrical installations, bathroom fixtures and kitchen utensils, etc. inside the property.
Remark: This page is only intended as a general summary. Please refer to the policy for detailed terms and conditions and exclusions.
For any change of the information relating to the structure of a building or its occupation, the name of the insured, and the mortgage bank, you may notify the fire insurance department of QBE General Insurance (Hong Kong) Limited in writing.
Unless contents are specifically covered and prior consent has been given by the insurer, those items are not covered.
No. Upon applying fire insurance policy, the current market value of the properties should be accurately calculated for arriving at an adequate amount to be insured. The compensation payable after the fire outbreak shall be based on the current market value of the properties at the time of the outbreak, including depreciation, if any. If the amount insured is excessive, it will mean overpayment of unnecessary premium; if the amount insured is inadequate, the customer will only receive compensation based on the proportion between the insured amount and the aggregate value of the properties.
The procedures are simple; you only need to fill in an application form and mail or return it to any branch of Hang Seng Bank for handling.
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