Supreme Home Insurance

From now till 30th November, 2017, apply via online/branch to enjoy 30% premium discount, applicant will also receive an extra movie voucher at around HKD 60 upon successful application. Wing Lung Credit Card cardholder can receive a cash rebate of 2% net premium by paying with Wing Lung Credit Card.

For terms and conditions of Wing Lung Insurance Promotion – Family Series Promotional Offer, please click HERE.

Comprehensive Coverage for Your Superior Home

Being the occupier of a luxury home is a cheerful achievement. Your home may be decorated by fine luxury features and spectacular craftsmanship, and your personal property include a wide variety of valuables from jewellery, fine art, expensive cameras to a collection of vintage wine. To protect your valuable property, we strive to provide our customers with the comprehensive protection they need.

 

  • Different plans and coverage for your choice
  • Public liability coverage up to HK$10,000,000
  • Breakage of Fragile items and Mobile Phone are covered
  • Free Benefits of Worldwide Outside Insured Home (Valuables & Personal Effects) All Risks
  • Provides 24-hours home assistance hotline
Coverage (All benefits and premium are in HK Dollars)
Section 1 - Household Contents (Basic Cover)

Household Contents

Maximum Limit Per Year

Plan 1

Plan 2

Cover Household Contents against any unforeseen, sudden, accidental physical loss or damage such as by fire, explosion, typhoon, bursting of pipes, flood, landslip and subsidence or theft happening in your home

$1,500,000

Aggregate limit

$2,500,000

Aggregate limit

Sub-limits:

(A)

Household Contents other than Valuable Property & Personal Effects

per article/pair/set

 

 

 

$100,000

 

 

 

$200,000

(B)

Valuable Property & Personal Effects

$400,000

$700,000

Sub-limits:

(i) Photographic equipment, fur, silverware & musical instrument (except pianos)

per article/pair/set

$100,000

 

 

$25,000

$200,000

 

 

$50,000

(ii) Works of art, chinaware or curios

per article/set/collection

$100,000

 

$25,000

$200,000

 

$50,000

(iii) Other Valuable Property & Personal Effects e.g. jewellery, gold, precious stones, watches, etc. (except (i) & (ii) above)

per article/set/collection

$200,000

 

 

 

$25,000

$300,000

 

 

 

$50,000

(C)

Money

per accident

$5,000

$2,500

$6,000

$3,000

 

Other Benefits Provided

Maximum Limit of Indemnity

Plan 1

Plan 2

1.

Alternative Accommodation – should your home become uninhabitable due to an insured accident

per day

$50,000

 

 

 

$2,000

$100,000

 

 

 

$2,500

2.

Fatal Accident Benefit –should you or your spouse pass away within 3 months from injury caused by fire or theives in your home

$50,000/ person

$100,000/ person

3.

Burglary/Robbery Harm Allowance – if you or your spouse sustains injury caused by burglars or robbers in your home

$5,000/ person

$10,000/ person

4.

Loss of or damage to Locks &/or Keys due to burglary or attempted theft - reimburses you the cost of replacement

$5,000

$10,000

5.

Frozen Food & Drinks – if food and drinks in refrigerator or deep freeze unit spoiled due to accidental breakdown of refrigerator or deep freeze unit

$5,000

$10,000

6.

Loss of personal effects in your or your spouse’s office

$5,000

$7,500

7.

Loss of Money/ Personal Effects belonging to you and your spouse while on business trips

$3,000

$5,000

8.

Temporary Removal of Household Contents – for cleaning, renovation, repair, modification or dyeing

$50,000

$100,000

9.

Removal of Debris – reimburses you the cost of removal of debris when your home is accidentally damaged due to an insured accident

$30,000

$50,000

10.

Domestic Servant’s Property

$5,000

$5,000

11.

Household Removal – for loss of or damage to Household Contents excluding Valuable Property, Money and Fragile Items whilst moving between your insured home and your new home by professional remover

$100,000

$150,000

12

Emigration Extended Cover – covers your Personal Effects whilst kept in the hotel or at an alternative accommodation for a maximum period of one month pending emigration overseas

 

per article/pair/set

$50,000

 

 

 

 

 

 

$2,500

$100,000

 

 

 

 

 

 

$5,000

13.

Replacement Cost of Title Deeds of the Insured Home

$20,000

$30,000

14.

Business Property in Insured Home

$5,000

$7,500

15.

Valuable Property Kept in Bank Vault

per article/pair/set

$50,000

$10,000

$100,000

$20,000

16.

Accidental Breakage of Fragile Items

 

Sub-limits:

          (i) Wine or Vintage Wine

per bottle

$30,000

 


$5,000
$1,500

$40,000

 


$10,000
$2,000

         (ii) Others Fragile Items

per article/pair/set

$30,000
$15,000

$40,000
$20,000

17.

Accidental Physical Damage, Burglary and Robbery of Mobile Phone Extension but excluding Water/Liquid Damage

per accident

$5000



$2,500

$6,000



$3,000

The total compensation under this section including other benefits should not exceed the maximum Limit of Indemnity during the Period of insurance.

 

Section 2 – Worldwide Outside Insured Home (Valuables & Personal Effects) All Risks (Free Cover)

Valuables and Personal Effects

Maximum Limit Per Year

Plan 1

Plan 2

Cover Valuables and Personal Effects against any accidental loss or damage or theft happening anywhere in the world outside the Insured Home

Per article/pair/set

$75,000

 

 

$10,000

$100,000

 

 

$20,000

 

Other Benefits Provided

Maximum Limit Per Year

Plan 1

Plan 2

1.

(i) Loss of money

per accident

 

$3,000

 

$5,000

(ii) Loss due to unauthorized use of credit cards

per accident

 


$10,000

 


$15,000

2.

Replacement cost of lost credit cards, personal documents such as ID card and passport

$3,000

$5,000

3.

Damage to Sports Equipment - except while in use

$3,000

$5,000

4.

Accidental physical damage, Burglary and Robbery of Mobile Phone Extension but excluding Water/Liquid Damage

per accident

$5,000



$2,500

$6,000



$3,000

5.

Accidental physical loss of or damage, to Newly Purchased Household Property in Transit to the Insured Home

per accident

$5,000



$2,500

$5,000



$2,500

 

Section 3 – Personal & Occupier’s Liabilty (Free Cover)

Coverage

Maximum Limit of Indemnity

Any claim against you or your family member in the event of your and/or your family member’s/members’ negligence causing third party bodily injury or property damage subject to Hong Kong jurisdiction :

  • a) as a private householder occupying your home

  • b) as an owner of your home if it is occupied by you and your family only

  • c) as an owner of your building if Section 5 (Building) is effected

  • d) in a personal capacity (other than as an occupier or owner) in HKSAR, Macau or anywhere in the world (excluding USA and Canada) during temporary visit not exceeding 60 days

$10,000,000

 

and extends cover :

- Liability in relation to the alternations, additions or repairs by an independent contractor for any one contract subject to the total aggregate of the contact value during the Period of Insurance not exceeding HK$200,000

- Tenant’s Liability

- Owner’s Liability in common areas subject to a sub-limit of $1,000,000

 

Section 4 – Home Assistance Hotline Service (Free Cover)
Provides the following 24-hours home assistance hotline service – 8 types of referral service
  • Registered Electrician
  • Licensed Plumber
  • Locksmith
  • Air-conditioner Repairing Technician
  • Home Cleaning Service Provider
  • Home Nursing Care Registered Nurse
  • Pest Control Service Provider
  • Household Appliances Repairer Information

 

Section 5 – Building (Optional Cover)
Building Maximum Limit of Indemnity

Cover the building structure of the Insured home including walls, flooring, doors and windows against any unforeseen, sudden, accidental physical loss or damage such fire, explosion, typhoon, bursting of water pipes, flood, landslip and subsidence or theft

*Sum Insured

* To avoid under-insurance and for adequate protection that fully meets your needs, please ensure the sum insured reflects the rebuilding cost of your building.

 

Other Benefits Provided Maximum Limit of Indemnity
Plan 1 Plan 2

1.

Alternative Accommodation – should your home become uninhabitable due to an insured accident

per day

$2,000




$2,000

$2,500




$2,500

2.

Removal of Debris – reimburses you the cost of removal of debris when your home is accidentally damaged due to an insured accident

$30,000

$50,000

Premium Table (All in HKD)

Basic Cover

Gross Floor Area (sq.ft.)

Annual Premium

Plan 1

Plan 2

Section 1-4

Less than 1,000

1,001 – 1,500

1,501 – 2,000

2,001 - 3,000
$2,850

$3,400

$4,200

$4,800
$3,850

$4,500

$5,600

$6,400
Over 3,000 Refer to us

Note : Please refer to us or your insurance agent for quotation if

(1) you can only provide the Net Floor Area (Saleable Area), or

(2) a higher limit is required

 

Optional Cover “Building” – Sum Insured Additional Premium Annual Rate

Section 5

Less than $5,000,000

$5,000,000 – $10,000,000

$10,000,001 – $15,000,000

$15,000,001 – $20,000,000

Over $20,000,000

0.08%

0.075%

0.07%

0.065%

Refer to us

 

Remarks: The above premium table is only applicable to residential flat in multi-storey building. For village house or individual house, please refer to us for underwriting.

Minimum Premium for each policy: HK$800

Automatic Renewal of Policy

In order to offer you a continuous coverage in a simple way, this insurance policy will be automatically renewed at the end of each policy year if:

  • No notice of amendment to the renewal terms and conditions is sent to you prior to the expiry date of your existing policy, and
  • You have authorized us to directly debit to your Wing Lung Bank Account or Wing Lung Credit Card or other credit card for the premium of next renewal policy period.
  • Wear and tear, mildew, corrosion, denting, scratching, mechanical or electrical breakdown

  • Loss of or damage to contact lenses

  • Loss of or damage to portable mobile phones except as covered under the Other Benefits Provided

  • Contents on roof or in open area

  • Loss of or damage to sports equipment whilst in use

  • Theft from any unattended vehicle

  • Mysterious disappearance or unexplained loss

  • Loss if insured premises is unoccupied for more than 30 consecutive days

  • Loss or damage due to war, civil commotion and terrorism

  • Loss or damage due to nuclear, radiations, pollution and contamination

  • Certain excess applies to some of the sections

 

Please refer to the policy for detailed exclusions

Excess (in respect of each and every claim)

- Water Damage under Section 1 & 5

Building Age - below 35 years
  - 35 years or above



$1,000

10% of adjusted loss subject to a minimum of $1,000

- Landslip and Subsidence under Section
  1,2 & 5

10% of adjusted loss subject to a minimum of $10,000

- Other loss or damage under

  • Section 1 except Other Benefits Item No. 2,3, 13 & 17
  • Section 2 except Other Benefits Item No. 4
  • Section 5

$1,000

 

Important Notes to Proposer
1. This leaflet is simply a general summary for your reference and information only. For details, please refer to the insurance policy.
2. In case of discrepancies between the English and Chinese version, the English version shall prevail.

 

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.

In respect 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 is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly Wing Lung Insurance and the customer.

More Information

Download Claims Form

Please read the Wing Lung Insurance Co. Ltd.'s Notice to Customers Relating to the Personal Data (Privacy) Ordinance.

 

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