Home Insurance
Home Insurance Refunds are calculated based on the Short Term Premium Refund Table. An administration fee of HKD 500 will be deducted from the refundable premium. The total amount retained by the company includes the pro-rated premium for the covered period plus the HKD 500 administration fee. The remaining balance will be refunded to the customer. Fire Insurance Refunds for Fire Insurance are also calculated on a pro-rata basis; however, the administrative fee structure differs from Home Insurance. A minimum administration fee of HKD400 applies. If the calculated pro-rata premium is less than HKD 400, a minimum retaining fee of HKD 400 will be charged as the total administration cost for the cancellation. Policy Amendment Fees (Applicable to Fire Insurance Only) The following administrative fee arrangements apply to modifications of Fire Insurance policy details (such as insured property address, mortgage information, etc.): If the customer identifies an incorrect and contacts us to request an amendment within 48 hours of policy issuance, the administrative fee will be waived. Any amendment requests submitted after 48 hours will incur an administration fee of HKD 300 per request.
We don’t cover you for: 1. Uninsurable risk such as scratching, corrosion, wear and tear; 2. Items which are insured under a separate policy; 3. Malicious damage or vandalism by a person residing in the insured premises; 4. Contact lenses, mobile/portable phone, laptop, computer; 5. The insured premises unoccupied for more than 30 days. For more details, refer to our insurance policy wording.
1. Please ensure that the property age is 50 years or below on the Policy start date. 2. Enter the saleable area of your property through the OneDegree website. 3. Enter the Info page and click “Login” 4. Please click “Sign up now”, do not click “Sign in” 5. Enter your email for policy contact purposes, then click “Send Verification Code” 6. Please enter the 6 digits verification code sent to your email, then click “Complete verification” 7. Please click “Continue” after the email address has been verified 8. Please enter the rest of the information after the account creation, the policy document will be issued and sent to your registered email address after the premium payment is completed. If you have any questions, don’t hesitate to contact our Customer Service team. Thank you.
Yes, OneDegree's Home Insurance allows you to customize your own coverage. If you do not need Pet Owners' 3rd party liability coverage, School Closure Compensation due to WHO declared pandemic and Hospital Cash due to Accident, you can remove these coverage and we will adjust your premium based on your policy coverage.
Please download the claim forms from the below links, and email the form, along with the required documents stated on the form, to us at claims@onedegree.hk. Our claims team will contact you for additional information & supportive documents if needed. Please download the Claim form here: Download. Please submit your claim with the required documents within 30 days from the date of occurrence or discovery.
