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Declaration for Fire Insurance
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(i) (ii) (iii) (iv) (v) (vi)
My insured property is built of bricks, stone and concrete and roofed with concrete. My insured property is less than 40 years of age. My insured property is not used for commercial purposes and is located in a permanent building in Hong Kong SAR. I am/will be the legal owner of this insured property by the Policy Commencement Date. I have never had any fire insurance applications rejected or accepted on special terms by any insurance company. I do not have any Fire Insurance policy of my insured property with HSBC Insurance (Asia) Limited cancelled during the last six months. I understand that, in respect my choice of sum insured, this policy is subject to Average clause (refer to clause 11 of the policy) and Reinstatement Value Insurance (refer to clause A19 of the policy) in the event of under-insurance.
(vii)
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Insurance Coverage and Clauses
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Clauses A7 A12 A13 A19 B24 B25 X02 X04 X5A X06 X8A X10 X12 X13 E15
Standard Cover Foundations Exclusion Mortgagee/Non-Occupying Landlord Clause Mortgagee Clause Reinstatement Value Insurance (not applicable to stock) Occupancy Warranty A Occupancy Warranty B N/A Explosion N/A N/A N/A Earthquake Typhoon, Windstorm and Flood N/A Landslide and Subsidence
2. Misrepresentation If there be any material misdescription of any of the Property Insured, or of any building or place in which such property is contained, or any misrepresentation as to any material fact to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable under this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission.
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Cover
Байду номын сангаас
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Fire, or by lightning, or by explosion of boilers or gas used for domestic purposes only By any Extra Peril specified in the Schedule Provided that the liability of the Company shall in no case exceed: (a) in the whole the Total Sum Insured or in respect of any item its Sum Insured at the time of the Damage, or (b) if any other Damage shall have occurred during the same Period of Insurance, the Sum Insured remaining after payment for such Damage unless the Company shall have agreed to reinstate any such Sum Insured.
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Major Exclusions
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1. Fire and explosion resulting from an earthquake, volcanic eruption or other convulsion of nature
9. Consequential loss or damage of any kind or description
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Conditions
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1. Identification This Policy and the Schedule (which forms an integral part of the Policy) shall be read together as one contract and words and expressions to which specific meanings have been attached in any part of this Policy or of the Schedule shall bear such specific meanings wherever they may appear.
Comprehensive Cover Foundations Exclusion Mortgagee/Non-Occupying Landlord Clause Mortgagee Clause Reinstatement Value Insurance (not applicable to stock) Occupancy Warranty A Occupancy Warranty B Aircraft Explosion Riot and Strike Malicious Damage Vehicle Impact (by third party vehicle) Earthquake Typhoon, Windstorm and Flood Water Tanks, Apparatus and Pipes Landslide & Subsidence
4. Ionising radiation or contamination by radioactivity
5. Theft during or after the occurrence of a fire
6. Damage to any electrical machine, apparatus, or any portion of the electrical installation
Fire insurance
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Fire Insurance Coverage and Premium Rate
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Type of Cover Standard Cover
Event Covered - Fire and lightning - Explosion - Typhoon, windstorm and flood - Landslip and subsidence - Earthquake
Premium Rate 0.11%
Comprehensive Cover
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Refund of Premium
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This policy is subject to minimum payment of HK$400 or following short period refund rate, whichever is higher. Period of Insurance Exceeding Not exceeding -5 days 5 days 15 days 15 days 1 month 1 month 45 days 45 days 2 months 2 months 3 months 3 months 4 months 4 months 5 months 5 months 6 months 6 months 7 months 7 months 8 months 8 months 9 months 9 months 10 months 10 months 11 months 11 months -short period Premium 2.50% 5% 10% 15% 20% 30% 40% 50% 60% 70% 80% 85% 90% 95% Full annual premium actual Premium 1.37% 4.11% 8.33% 12.50% 16.67% 25.00% 33.33% 41.67% 50.00% 58.33% 66.67% 75.00% 83.33% 91.67% 100 difference 1.13% 0.89% 1.67% 2.50% 3.33% 5.00% 6.67% 8.33% 10.00% 11.67% 13.33% 10.00% 6.67% 3.33% N/A
7. Damage to property which at the time of the happening of such damage is covered by another insurance policy
8. Goods held in trust or on commission unless the Insured is legally liable
- Fire and lightning - Explosion - Typhoon, windstorm and flood - Landslip and subsidence - Aircraft - Earthquake - Vehicle impact (by third party vehicle) - Riot and strike - Malicious damage - Water tanks, apparatus & pipes
2. The insured property's own spontaneous fermentation or heating or undergoing any process involving the application of heat
3. War, rebellion, revolution, riot, civil commotion, strikers or locked-out workers