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Get peace of mind by protecting your home and its contents

Allianz Home Protect Promotion

From now until 31 January 2018, upon successful enrolment in home insurance through online, you can enjoy 20% premium discount for the first policy year and PHILIPS Daily Collection Blender (worth HK$238)(“blender”). Notes: Allianz Home Protect Insurance is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”). Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent of Allianz.

Notes:

1Home Contents Insurance is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent of MSIG.

2For gross floor area of the premises to be insured above 3,000 sq. ft. or premises purchased on or after 29 April 2013 that are regulated by the Residential Properties (First-hand Sales) Ordinance without gross floor area (sq. ft.) available, please call the MSIG Insurance Hotline at 3122 6722 (Mon – Fri 9:00am to 5:30pm) for premium rate and enrolment.

A. General Terms and Conditions

1. The promotion contained herein (the “Promotion”) shall run from 29 September 2017 to 31 January 2018, both days inclusive (the “Promotion Period”).

2. The Allianz Home Protect Insurance Plans are underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”).

3. The Promotion is only available to applicants upon completion and payment made for the Allianz Home Protect Insurance Plan underwritten by Allianz, whose relevant enrolment is made on Allianz’s website, as accessed through the website of Standard Chartered Bank (Hong Kong) Limited (“the Bank”) during the Promotion Period (“Eligible Customer”).

4. An Eligible Customer will be entitled to 20% premium discount (“Premium Discount”) and be entitled to redeem a PHILIPS Daily Collection Blender (“Blender”) (worth HK$238) during the first policy year of the Allianz Home Protect Insurance Plan.

5. The Promotion is not exchangeable for cash, other items or vouchers of other denominations. The Promotion is also non-refundable and the Bank and Allianz can replace the promotion with alternative promotions without prior notice

. 6. These terms and conditions are related to the promotional offers for Allianz Home Protect Insurance only and customers are advised to read and understand the insurance policy, the relevant policy materials and policy provisions before applying for the relevant insurance.

7. The Bank and Allianz reserve the right to alter or terminate the Promotion and/or amend the terms and conditions at any time without notice.

8. All matters or disputes in relation to the promotion offers and the interpretation of terms and conditions herein shall be subject to the decision of the Bank and Allianz, which shall be final and binding.

9. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and/or any details of the promotional offers, the English version shall prevail.

 

B. Terms and Conditions for the PHILIPS Daily Collection Blender

1. Application for Allianz Home Protect Insurance Plan must be made within the Promotion Period and via Allianz’s website, as accessed through the website of the Bank during the Promotion Period. A PHILIPS Daily Collection Blender (“Blender”) (worth HK$238) will be offered to each successfully enrolled and effective policy on or before 31st January 2018.

2. Customers who have enjoyed the Promotion are not entitled to any other promotional offers in respect of the same insured property during the first policy year. A redemption letter for the Blender will be mailed to the policyholder(s)’s*^ last known correspondence address in Allianz’s record in two (2) batches as shown in the table below. The redemption letter shall only be mailed out to policyholders with inforced Allianz Home Protect Insurance policies. The redemption letter for the Blender will not be replaced if lost or damaged. Redemption details, including the redemption method, redemption centre address and redemption deadline will be set out in the redemption letter. Policy Effective Date Redemption Letter Mailing Date 29th September 2017 to 31st October 2017 31st January 2018 or before 1st November 2017 – 31st January 2018 30th April 2018 or before

3. The Blender is provided by PHILIPS Hong Kong (“PHILIPS”) and must be redeemed within two (2) months of redemption letter issue date.

4. In the event where the policyholder has cancelled the policy after redeeming the Blender or any related gift(s), the Bank and Allianz shall reserve the rights to request the policyholder to refund the value of the Blender or related gift(s).

5. The Blender is not exchangeable for cash, other items or vouchers of other denominations and is also non-refundable. The Bank and Allianz reserve the right to replace the Blender with an alternative gift without prior notice and/or amend the terms and conditions at any time without notice.

6. All product information, prices and photos shown are reference only. The suppliers’ information shall prevail. All product and brand names are trademarks or registered trademarks belonging to the respective product manufacturers or company holders.

7. Neither the Bank nor Allianz shall have any obligations or liabilities whatsoever in relation to the goods and/or service(s) provided by PHILIPS or any relevant supplier. Both the Bank and Allianz makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the suppliers.

8. The Bank and Allianz shall not be liable for any matter arising from or in connection with the products, services, or information provided by the suppliers. The use and redemption of the Blender or any related gifts provided by the supplier are subject to terms and conditions imposed by the relevant supplier(s) or service provider(s).

9. Any enquiry or complaint regarding the Blender, the goods redeemed/ service relating to the Blender or related gift(s) should be directed to the supplier. The Bank and Allianz assume no responsibility / liability in respect thereof. *The policyholder and the applicant must be the same person. ^The applicant means a person who submits an application. For internet applications, it means the person specified under “Applicant’s Details” section of the online application form.

Benefits
Benefits Maximum Benefit (HK$)
HOME CONTENTS
  1. Home Contents
    • Damage to or loss of home contents against fire, typhoon, gas explosion, water damage, theft and accidental damage
1,000,000 per year
The maximum coverage for:

  • Furniture and home appliances (e.g. leather sofa, hi-fi)
200,000 per item
  • Valuables (e.g. jewellery, watches, furs)
20,000 per item
300,000 in total
per event
  • Money
1,000 per loss
5000 per year
  • Interior decoration / renovation (e.g. built-in closet, newly-installed flooring)
600,000 per event
  1. Household Removal
    • Damage to or loss of home contents in the course of removal by professional removers
500,000 per event
  1. Temporary Removal
    • Damage to or loss of home contents while being temporarily removed for renovation, maintenance, cleaning, etc.
100,000 per event
  1. Temporary Storage of Furniture
    • Damage to or loss of home contents while being stored in a furniture depository for up to 30 days
100,000 per event
  1. Alternative Accommodation
    • Home is damaged and rendered uninhabitable by accidents
2,000 per day
50,000 in total
per event
  1. Window / Door Replacement
    • Damage to door or window during commission of a burglary
5,000 per event
  1. Domestic Servant’s Property
    • Damage to or loss of a domestic servant’s personal effects
10,000 per event
  1. Interior Decoration / Refurbishment
    • Damage or loss incurred due to contracted work provided the renovation period does not exceed 2 months
10,000 per item
  1. Personal Accident Cover
    • Accidental death of you or your family at home as a result of fire or burglary
200,000 per event
PERSONAL LIABILITY
  • Any claim made against you for bodily injury or property damage resulting from negligence by you or your family members
5,000,000 per event
24-HOUR HOME EMERGENCY ASSISTANCE
  • Emergency House-Call Nurse
  • Locksmith
  • Home Cleaning Service
  • General Repair Service
  • Air Conditioning Engineer
  • Plumber
  • Pest Control Service
  • Electrician
Referral Service Only
WORLDWIDE ALL-RISKS
  • Loss or Damage of Personal Effects
5,000 per item up to 15,000 in total per event
  • Loss of Personal Documents
3,000 per event
  • Loss of Personal Money
3,000 per event
  • Unauthorized Use of Credit Card
5,000 per event
  1. The excess is HK$1,000 for each claim arising from household removal; HK$500 for each claim arising from water damage; HK$10,000 or 10% of the loss (whichever is greater) for each claim arising from landslip or subsidence and HK$200 for each claim arising from worldwide all-risks. The excess for all other claims is HK$200.
  2. The premises to be insured must be the Proposer and their family’s principal place of residence located in the HKSAR.
  3. The premises or buildings to be insured must be less than 30 years of age and not a village house or similar.
  4. The premises or buildings to be insured must be for residential use. No industrial or commercial buildings will be covered.
  5. Proposers and their families must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any premises to be insured in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulation or statutory instruments relating to the premises or buildings to be insured.
  6. Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by Proposers within the premises to be insured are covered under the Building Section of Fire Insurance and are not protected under this Plan.
Premium Table
Gross Floor Area (sq. ft.)1 Monthly Premium (HK$) Monthly Premium After Discount
(HK$)
Up to 500 $110 $93.5
501 – 700 $140 $119
701 – 1,000 $170 $144.5
1,001 – 1,500 $210 $178.5
1,501 – 2,000 $260 $221
2,001 – 2,500 $300 $255
2,501 – 3,000 $370 $314.5
  1. For gross floor area of the premises to be insured above 3,000 sq. ft. or premises purchased on or after 29 April 2013 that are regulated by the Residential Properties (First-hand Sales) Ordinance without gross floor area (sq. ft.) available, please call the MSIG Insurance Hotline at 3122 6722 (Mon – Fri 9:00am to 5:30pm) for premium rate and enrolment.
Major Exclusions
  1. Scratching, denting, rust, corrosion, wear and tear or depreciation
  2. Rot, fungus, woodworm, beetle, moth, insects or vermin
  3. Mechanical or electrical fault or breakdown
  4. Any process of cleaning, dyeing, renovation, re-styling, repairing or restoring
  5. Any other gradually operating cause
  6. Consequential loss or damage of any kind of description
  7. Infidelity or dishonesty on the part of you, your family or any of your employees
  8. Landslip or subsidence
  9. Shrinkage, evaporation, loss of weight, contamination, change in flavour, colour, texture of finish, action of light
  1. Scratching, denting, rust, corrosion, wear and tear or depreciation
  2. Rot, fungus, woodworm, beetle, moth, insects or vermin
  3. Mechanical or electrical fault or breakdown
  4. Any process of cleaning, dyeing, renovation, re-styling, repairing or restoring
  5. Any other gradually operating cause
  6. Consequential loss or damage of any kind of description
  7. Infidelity or dishonesty on the part of you, your family or any of your employees
  8. Landslip or subsidence
  9. Shrinkage, evaporation, loss of weight, contamination, change in flavour, colour, texture of finish, action of light

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered Bank (Hong Kong)”) is an insurance agent appointed by MSIG. To the extent permissible by law, Standard Chartered Bank (Hong Kong) 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. If there is 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 MSIG. The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate. The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions In respect of an eligible dispute arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.