Comprehensive Personal Liability

To protect you and your Family Members** against personal legal liability in respect of accidental bodily injury to a third party and property damage due to your negligence. This includes compensation to third party and your legal defence expenses. This section also covers your legal liability arising from your pets or domestic helper during the course of his / her employment (World-wide Cover [exclude USA & Canada] and subject to Hong Kong Jurisdiction).

Household Contents “All Risks”*

To cover your household goods, furnishing, furniture and electric appliances. The indemnity is on a “New for Old” basis, which means that depreciation will not be deducted from the amount of settlement.

 

On the first anniversary through the fifth, the total sum insured of HK$500,000, under Sec (2) – the Home Content, will be increased by HK$50,000 annually up to a maximum of HK$750,000.

 

See Household Contents “All Risks” table

Personal Effects and Valuable

To cover you against accidental loss or damage of your personal effects and valuables such as clothing, gold ware, jewelry, watches, furs, cameras etc on a 24 hours world-wide basis

24 Hours Household Emergency Referral Assistance

• locksmith assistance
• plumbing assistance
• electrical / air-conditioning engineering assistance, and etc.

Excess

At the date and time of accident, the Building is:

See EXCESS table