General Important Notice

1. For certain benefits, such as Alternative Accommodation, Window/Door Replacement, Home Contracting Works and Emergency Cash Allowance, there is no excess.  Claims with excess are claims arising from Household Removal (HK$1,000 for each claim), claims arising from water damage (HK$500 for each claim), claims arising from landslip or subsidence (HK$10,000 or 10% of loss (whichever is greater) for each claim), claims arising from Worldwide Risk (HK$200 for each claim) and claims arising from all other claims (HK$250 for each claim).
2. Loss or damage due to wear and tear, depreciation and war are not covered by this policy. For the full list of exclusions, please refer to the policy wordings.
3. The insured premises contains no illegal structure and is built of and roofed with bricks, stones or concrete. The building is not a village house or a house of similar nature.
4. The insured premises is located in the Hong Kong Special Administrative Region and is less than 40 years of age. Please check the building year from the following link - https://bmis2.buildingmgt.gov.hk/bd_hadbiex/content/searchbuilding/building_search.jsf
5. The insured premises is used solely for domestic residential purposes.
6. The Insured shall give Allianz prior notice if the insured premises becomes unoccupied and remains so for a period of more than six consecutive weeks.
7. Allianz Home Protect is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by Allianz. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact Allianz.
8. Any policy with policy inception date on or after 1 January 2018 is subject to the insurance levy. The premiums stated in the above tables are exclusive of levy collected by the Insurance Authority on relevant policy at the applicable rate. For further information, please visit https://commercial.allianz.com/global-offices/hong-kong/levy-notice.html or contact Allianz Customer Service Hotline (852) 8100 2402.
9. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

 

Automatic Renewal

Subject to the Terms and Conditions and the payment of premium, the policy shall be renewed with its payment of renewal premium being made at the expiry date unless a notice of cancellation has been received.

 

Policy Cancellation

This Policy may be cancelled by returning the policy within 14 days after its delivery or issuance (whichever is earlier) ("Free Look Period") with full refund of the paid premium and levy without interest. After Free Look Period, this Policy may also be cancelled at the request of the Policyholder in writing to Allianz, which the refunded premium and levy will be adjusted in pro-rata based on the part received or retained by the company or the minimum premium. Please read policy wordings for full details.

 

Major Exclusions
I confirm that the insured premises are located in the Hong Kong Special Administrative Region, which are also less than 40 years of age and not a village house or a house of similar nature.