Home Insurance
If there is a loss to the insured property, please take the following actions promptly: - Implement all reasonable precautions to prevent further loss, damage, or injury. - If the loss results from intentional, malicious, or criminal acts, please contact the police immediately. - Reach out to the claims department as soon as possible. In Addition, you need to submit your claim application and supporting documents in writing through the member portal within 30 days of the incident or discovery of the loss. During the claims application process, please keep the following important points in mind: 1. If the incident involves injuries, or if the loss is due to theft, burglary, or robbery, you must report it to the police within 24 hours and provide us with a copy of the police report. 2. Do not dispose of any damaged items until we have had the opportunity to review or approve them. Discarding damaged items without prior discussion with us may result in a denial of your claim. 3. Please refrain from engaging with any third parties or admitting liability without consulting us first. Should you require additional information or documentation, our claims team will reach out to you. For any supplementary information, please send it to claims@onedegree.hk.
Absolutely! Even if you’re not the property owner, you can still purchase our home insurance as a resident or occupant to provide coverage for legal liability and household contents for yourself and your family. Household Contents Coverage: This insurance covers accidental loss or damage to household contents within the residence, including furniture, clothing, and more. Additionally, it provides temporary accommodation coverage to address unexpected incidents. Third-Party Liability Coverage: If you accidentally cause bodily injury (whether fatal or not ) to any third party or accidental damage to property belonging to any third party, our home insurance will cover the legal responsibilities and associated costs. Additional Coverage Options: We also offer extra options tailored to your needs, such as appliance repair coverage and hospitalization cash benefits, to ensure you have comprehensive protection. Based on your needs, you can select additional coverage options, such as repair coverage for household appliances or hospital cash benefits, to provide more comprehensive protection. For a detailed overview of coverage options, please feel free to visit our insurance page or reach out to our customer care team. We’re here to help you with any questions you may have!
If you are planning to move out or sell the insured property, and there have been no successful claims, you can complete the following Home Appliances Warranty Insurance Policy Cancellation Form and upload the relevant documents to our member portal to arrange for policy cancellation: 1. Log in to your account: Login | OneDegree 2. Click on [Account] 3. Select [Upload Documents] and Submit Once we receive your completed cancellation form, the Policy Administration Team will email you at your registered email address. Please follow the instructions in that email to provide the required information.
If there have been no successful claims, customers may contact us at any time to cancel their policy. The premium refund amount will be calculated based on the number of covered months, in accordance with the policy terms. Please be advised that an administrative fee of HKD 500 will apply for policy cancellations. For further details, please refer to the policy wordings.
Third-party liability coverage protects the policyholder (first party) from claims made by others (third parties) when the policyholder is found legally liable, with the insurance company serving as the second party. For home insurance, third-party liability coverage includes compensation arising from household accidents - for example, if a burst pipe in your home damages your neighbor’s property, the insurance will cover the compensation costs you're liable for. If you have opted for Pet Owner Third-party Liability coverage, this policy protects you in the event that your pet causes bodily injury to others or accidental damage to property. It covers claims related to your legal liability. Please refer to the Policy Home Insurance Policy Provision for detailed coverage information.
