Home Protection Insurance
This insurance product is underwritten by Fidelidade Macau – Insurance Company Limited and distributed by BNU.
Choose your annual payment and get 10% discount
Building your personal dream home takes a lot of inspiration and effort. However, keeping it in good condition is not enough. Accidents like fire, flooding, typhoon, burglary or other unexpected event could damage and ruin it all. A comprehensive home protection plan is a must for every home.
Fidelidade Macau understands your need and introduces household insurance “Home Protection” as your solution. This plan offers a comprehensive protection to your household contents, personal belongings and third party liability, giving you total peace of mind and enabling you to enjoy the comforts at home!
- Different Plans that Fit Your Needs
- Worldwide Coverage for Personal Effects
- Optional Coverage for Golfer
- Simple Application & Easy Payment Method
- No Claim Bonus
- Extra Discount for Annual Premium Payment
- Household Contents & Valuables: Insure against loss of or damage to household contents caused by fire, flooding, typhoon or burglary
- Worldwide Coverage for Personal Effects & Valuables: Insure against accidental loss of and damage to personal effects and valuables occurring anywhere in the world
- Accidental Death Benefit: Death arising from fire, lightning or explosion or cause by robbery
- Personal Liability: Accidental death, injury or damage or loss of property to third party arising from home
TABLE OF BENEFITS
* All the limits are sub-limits of the maximum limit stated for Section 1.
# Worldwide coverage
^ All the limits are in addition to the maximum limit stated for Section 1.
DEDUCTIBLE (PER CLAIM)
MAJOR EXCLUSION (SUMMARY):
- Wear, tear, scratching or depreciation
- Moths, woodworm, beetle or other insects and vermin
- Electrical or mechanical breakdown
- Misuse or use contrary to manufacturers’ instructions
- Mysterious disappearance or unexplained loss
- Loss or damage to motor vehicles
- Credit cards, securities, certificates and document of any kind
- Spectacles or contact lenses
- Mobile or portable telecommunications equipment and the like
- Business equipment
- Damage to data or software
- Sports equipment while in use (except Optional Coverage – Golfer)
- Any part of the home is lent or let
- Illegal structure attached to home and/or building
- Nuclear energy or radioactivity of any kind
PREMIUM TABLE (MOP/HKD)
GOLFER (OPTIONAL COVERAGE)
1.Premium must be settled by BNU credit card.
2.Premium is inclusive of 10% annual premium discount.
NO CLAIM DISCOUNTIf no claim has been made in the period of insurance, you are entitled to a no claim discount on renewal premium.
- No claim in preceding year: 10%
- No claim in preceding two years: 15%
- No claim in preceding three years or more: 20%
The above information is for reference only. For a complete description of terms and conditions, please refer to the policy.