Decoration Protection Insurance

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

You need Decoration Protection Insurance to give you peace of mind with the ample coverage for damage to material, third party liability and many more.

With a diversity of plan levels available for selection, you will be able to find the right fit.


Plan Highlights

• Protect against accidental loss or damage due to decoration, renovation and maintenance works taking place in home, shop or office

• Cover Material Damage and Public Liability to Third Parties up to HK$2,000,000 and HK$30,000,000 respectively

• Free extended coverage against Public Liability to Third Parties arising out of vibration or by the removal or weakening of support during the contract work, with indemnity up to HK$10,000,000

• Cover for construction period and maintenance period up to 12 months each

• Protection for residential buildings aged up to 55 years and non-residential buildings aged up to 45 years

 

Please refer to the Product Leafet for the details, benefits/ coverage, premium, major exclusion, important notes of the plan.

 

 

This Policy Terms and Conditions is available only in English from Blue Cross (Asia-Pacific) Insurance Limited. Should you have any queries, please contact Blue Cross Customer Service Hotline 2839 6377.



Important Notes

1. 1. The policy covers contract works for individual premises only.
   2. Please refer to the works quotation for plan level selection and apply for insurance coverage before the works commencement date.
   3. The policy is applicable to the contract work carried out within Hong Kong only.
   4. The policy is non-cancellable, and no premium refund will be made once the policy is issued.

Major Exclusions

1. 1. Any maintenance, overhauling, and inspection of machinery.
   2. Any liability arising from erection or dismantling of scaffolding.
   3. Any fault, defect, error or omission in or failure of any design plan or specification.
   4. Any defect in material or workmanship except resulting from an accident.
   5. Loss of use, liquidated damages, penalties, performance guarantees or other consequential losses.
   6. Loss or damage due to wear and tear, rust, mildew or other deterioration due to gradually operating causes.
   7. Loss or damage due to war, invasion, act of foreign enemy, civil war or act of terrorism.
   8. Loss or damage due to asbestos, seepage, pollution and contamination.
   9. Loss or damage due to illegal or unauthorised structure.
   10. Loss or damage due to any works or duties carried out on gondola and/or swing boat.
   11. Liability in respect of compensation claimed from the insured by an injured person or dependant under any Employees Compensation Legislation.

Claim Procedure

• Please submit your insurance claim to Blue Cross within 14 days after the incident via our 24/7 Smart eClaims online platform on Blue Cross HK App or Blue Cross website with 3 simple steps (Input, Upload and Confirm). You may also furnish us the required documents such as incident report, decoration contract, photos as well as other satisfactory proof and complete supporting information through Smart eClaims. Alternatively, customers can file their claims by post or in person.
• For claim of Public Liability under the policy, please immediately notify the Claims Department of Blue Cross by completing the Third Party Liability Insurance Claim Form and return it together with the relevant information and document(s).

For details of the claims conditions, please refer to the terms and conditions of the relevant insurance policy.


Notes

• This brochure is for distribution in Hong Kong only. The distribution of this brochure is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Should there be any discrepancy between the English and the Chinese versions of this brochure, the English version shall apply and prevail.
• Decoration Protection Insurance is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
• Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.

 
Blue Cross Customer Service Hotline 2839 6377 

This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.

The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.

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 BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.

BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.

Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.