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From now, successfully apply for HomeShield Insurance online to enjoy below privilege offers:

Up to HK$1,000,000 of Home Contents cover

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Worldwide protection of personal belongings

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25%

Premium discount for the first year

From now on to 31 Oct 2019, enjoy a HK$1,000 supermarket coupon for every successful enrolment of Plan 2;
Enjoy a HK$100 supermarket coupon for every successful enrolment of Plan 1.

For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

Total Protection at Home and Away
Our home is where we feel most secure. However, just a small home accident, such as a burning cigarette butt or a running water tap, can ruin your home contents. Home Contents Insurance is specially designed to protect your home against loss or damage caused by unfortunate incidents.

Comprehensive Home Contents Cover
Home Contents Insurance protects you against loss of or damage to home contents in the unfortunate event of accidents such as fire, typhoon, burglary, and theft up to HK$500,000. For valuable items, the cover is up to HK$15,000 per item, set or collection, and up to HK$160,000 in aggregate amount per year. Only HK$250 excess will be imposed on general claims unless specified.

Third-Party Liability Cover up to HK$5,000,000
Whether you are the landlord (occupier) or tenant, you can rest assured you will enjoy a full liability cover up of to HK$5,000,000 in the event of your negligence causing third party injury or property damage.

Free Worldwide Protection of Personal Belongings
Your family members and you can also be protected overseas. Wherever you travel, your personal belongings or valuables that you carry are protected against loss or damage at no additional cost.

Important Notes:

Applicable for HomeShield Insurance and LandlordShield Insurance

  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. The premises or building to be insured must be located in Hong Kong SAR.
  4. The premises or building is not a sub-divided home or sub-let property and is not a village house or the likes.
  5. The premises to be insured must not be situated on ground floor.
  6. Tenancy Agreement must be a duly stamped and enforceable tenancy agreement between the Insured as the Tenant and the Landlord (or between the Insured as the Landlord and the Tenant) in respect of the Insured Premises.
  7. You and Your Family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the Building and your Home.
  8. The above insurance plan is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited ("the Bank", which expression includes its successors and assigns) is an insurance agent authorised by Chubb.
  9. DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.
  10. Chubb is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Insurance offered by the Company is only available for subscription by residents of the Hong Kong SAR.
  11. This policy will be automatically renewed upon the policy expiry date of each subsequent policy year unless written cancellation notice has been given to Chubb.
  12. The Company reserves the right to amend these terms & conditions as well as to vary or terminate the above promotion without prior notice. In case of disputes, the decision of the Company shall be final and binding.
  13. Major Exclusions apply: War, terrorism, scratching, corrosion, wear and tear, mechanical or electrical breakdown, home unoccupied for more than 30 consecutive days, malicious damage or vandalism by a person residing lawfully in the home, contact or corneal lens, mobile or portable telephone, etc.
  14. The above information is intended to be highlights of the plan only. You should not rely on the above information alone to make decision on applying for the plan. For the plan’s details, terms and conditions and exclusions, please refer to the relevant policy.
  15. In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Chubb and the customer.
  16. The Bank will receive commissions and incentives from Chubb as remuneration for marketing Chubb’s products.
  17. Under the “Insurance Ordinance (Cap. 41)”, the Insurance Authority (IA) will start to collect the levy on insurance premiums from policyholders through insurance companies from 1 January 2018. For more details, please refer to IA’s official website: www.ia.org.hk/en/levy
  18. Remarks: For the above item 4 & 5, if the to be insured premises is situated on ground floor or a village house or the likes, please contact us for separate underwriting / conditions.

Excess:
HomeShield Insurance

  1. The excess under Home Contents Section or Worldwide All Risks Section is the first HK$250 of each and every claim.

Landlord Insurance

  1. Contents: Water Damage HK$1,000 or 5% of adjusted loss, whichever is the greater; Landslip & Subsidence Extension HK$10,000 or 10% of loss, whichever is greater; Excess in respect of loss caused by other causes HK$500.
  2. Property Owner’s Liability: Water Damage HK$3,000 or 10% of adjusted loss, whichever is the greater.
  3. Building: Landslip & Subsidence ExtensionHK$10,000 or 10% of loss whichever is greater; Excess in respect of loss caused by other causes HK$250.

Applicable for Optional Cover (Building Section) under LandlordShield Insurance only

  1. Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
  2. The sum insured for the Building cover should represent the full cost of rebuilding the Insured Address (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Any Unforeseen accidental loss of or damage to Home Contents, such as by Fire, Typhoon, Explosion, Burglary, and/or Theft, Flooding, Landslip, Subsidence, Pipes, Burst, or other Accident

Furniture or home appliances
(e.g. leather sofa, hi-fi)

HK$50,000
Per item / set / collection

HK$100,000
Per item / set / collection

Valuable property
(e.g. jewelry, watches, furs and chinaware)

HK$100,000 / year
HK$15,000 / item

HK$200,000 / year
HK$15,000 / item

Loss of or damage to Home Contents during the course of removal by professional mover

Loss of or damage to Home Contents while being kept in Other Premises for Renovation, Maintenance, Cleaning, etc.

Cost of Temporary Accommodation when Home is Damaged and Made Uninhabitable by Accident

HK$1,500 / day

HK$1,500 / day

Replacement and installation cost due to Damage by Burglary and/or Theft

If food & drinks in the freezer rot due to the freezer failure

Any Unforeseen accidental loss of or damage to Home Contents

Accidental loss caused by fire, explosion, lightning, earthquake, typhoon, strom, flood, riot

Protects you and your Family Members against any Legal Liability in the event of you or your Family Member's Negligence Causing Third Party Injury, or Property Damage

Personal Belongings
(e.g. watches and clothes)

HK$10,000 / event
HK$5,000 / item
HK$50,000 / year

HK$10,000 / event
HK$5,000 / item
HK$100,000 / year

Money

HK$2,500 / event

HK$2,500 / event

Unauthorised Use of Credit Cards

HK$10,000 / event

HK$10,000 / event

Personal Documents

HK$1,000 / year

HK$1,000 / year

Sports Equipment

HK$1,500 / year

HK$2,500 / year

Locksmith, Plumber, Electrician, Air-Conditioner Engineer, Home Cleaning, General Repair Assistance etc.

Contents

HK$250

HK$250

Household Removal

HK$1,000

HK$1,000

Landslip and Subsidence

HK$10,000 or 10% of adjusted loss
whichever is greater

HK$10,000 or 10% of adjusted loss
whichever is greater

Worldwide Personal Belongings and Valuables

HK$250

HK$250