Decoration Protection Insurance

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

Planning and preparation are essential to ensure your renovation or maintenance work goes as smooth and hassle-free as possible. However, there will always be things that are beyond control.

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

Plan Summary (HK$)

 Section II – Public Liability to Third Parties (can be insured as a standalone plan) 

*Limit of indemnity per any one accident. Unlimited claims in any one period of insurance.

^△ If the age of the building exceeds the corresponding upper limit, policy application is subject to Blue Cross’s quotation and approval.

Basic Protection

This plan offers 2 sections of basic protection. You may choose to insure for both Section I – Material Damage and Section II – Public Liability to Third Parties at the same time, or Section II – Public Liability to Third Parties alone.

Section I – Material Damage

It provides “All Risks” cover against accidental loss of or damage to the property or materials (e.g. flooring, tiles, wallpapers, woodenware, sanitary ware, and other related decoration materials, etc.) in respect of contract work carried out at the site during the period of insurance.

Free Extended Coverage:

• Removal of Debris
  This provides coverage for the cost of removing debris following an insured accident at the site, subject to a maximum of 5% of the total contract sum.
• Automatic Increase of Contract Sum Insured
  If the actual contract sum exceeds the contract quotation sum, the cover for the contract sum insured will be automatically increased by a maximum of 10% without extra premium.

Section II – Public Liability to Third Parties

This protects you against legal liability in respect of third party bodily injury and/or property damage arising out of the contract work.

Free Extended Coverage:

• Principal’s Property Damage
  Cover for insured contractor’s liability in respect of accidental loss of or damage to the principal’s property in the care or control of an insured contractor for carrying out the contract work, up to a maximum indemnity of HK$10,000,000.
• Vibration Cover
  Cover for the legal liability in respect of third party property damage arising out of vibration or by the removal or weakening of support during the contract work, up to a maximum indemnity of HK$10,000,000.

Free Enhanced Coverage

You will enjoy the following free coverage once you have insured for the Basic Protection.

• Maintenance Period Protection
  Extend to cover the liability arising from the maintenance of the insured contract works during the insured maintenance period (3, 6 or 12 months) after completion of insured contract work.
• Cross Liability
  If there are more than one insured party in the policy, each of the insured parties in the policy will be covered individually, as if a separate policy is issued for each party,  provided that the maximum limit of Public Liability to Third   Parties shall not exceed the maximum limit of indemnity as stated in the policy.

Premium Table (HK$)

^{^} Costs of scaffolding or working platform related shall not exceed 20% of the total contract sum.
^# Cover the liability of the use of scaffolding but excluding the liability during erection and dismantling.

The above premiums do not include levy on insurance premium collected by the Insurance Authority.

The  Insurance Authority will collect a levy on insurance premiums from policyholders through insurance companies in accordance with the law. For further information about the levy imposed by the Insurance Authority, please click here .

Excess (HK$)^▽

For Each and Every Claim

For Each and Every Claim

 ^▽ If the age of the building exceeds the corresponding upper limit, excess is subject to Blue Cross’s quotation and approval.

Important Notes

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. 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