While most insurers charge up to 0.15% of the sum insured annually, with OneDegree you’ll pay just 0.03% – as low as 1/5 of market price. You can choose any date between 10 and 180 days upon enrollment as your policy start day! From now until 28 Feb 2023, sign up with referral code [FREEHOME] to enjoy a 1-year complimentary Home Insurance (premium rebate up to HKD 1,000). ^Refer to our terms and conditions at the bottom of the page.
Some insurers may charge up to 0.15% of the sum insured annually for fire coverage. With OneDegree, you’ll pay just 0.03% for a policy, and if you find a better rate elsewhere, we’ll match it!
*If you find the same product at a lower price in the market, we will refund the difference. However, our lowest price guarantee only applies to Fire Insurance products with the same coverage and general terms as OneDegree Fire Insurance, and the price must be open to the public and does not include any discounts, deductions or waivers.
This promotion is valid from now until 28 February 2023 (“Promotion Period”).
To enjoy up to HK$1000 premium rebate on Home Insurance (“Premium Rebate ”), underwritten by OneDegree Hong Kong Limited ("OneDegree"), customers shall enter “FREEHOME” as the promo code and complete the application of Fire Insurance, also underwritten by OneDegree, using the designated button above within the Promotion Period. Any failure in doing so will result in loss of Premium Rebate and no refund shall be arranged afterwards.
Only one promo code may be used at the purchase of Fire Insurance. All promo codes will be deemed invalid if more than one promo code is input on the checkout page.
Existing OneDegree Fire Insurance and/or Home Insurance policyholders, or Fire Insurance and/or Home Insurance policyholders who have cancelled the policy within 3 months (i.e. cancelled on or after 1 November 2022) are not eligible for this Premium Rebate promotion.
An eligible Fire Insurance policyholder who successfully purchases a policy using the promo code during the Promotion Period (“Eligible Premium Rebate Recipient”) will receive an email with a designated link and a unique redemption code (“Redemption Code”) for application of Home Insurance via the email address provided during policy purchase, 1 week after the application date of Fire Insurance. Each Redemption Code can only be used once.
The Redemption Code can be applied to any OneDegree Home Insurance plan, while the Home Insurance application is subject to underwriting by OneDegree.
To enjoy the Premium Rebate, Eligible Premium Rebate Recipient must complete Home Insurance application on the designated landing page with the Redemption Code within a month after the date of email and before 31 March 2023 (“Redemption Period”) (whichever date is earlier). The Redemption Code and Premium Rebate are not transferrable. Eligible Premium Rebate Recipient shall use the same identification number as provided in Fire Insurance application to complete Home Insurance application. Any failure in doing so will result in loss of Premium Rebate and no refund shall be arranged afterwards.
If the annual premium (excluding levy) of the chosen Home Insurance is under HKD 1,000, the amount of Premium Rebate shall be equal to the annual premium.
The Premium Rebate will be credited to Eligible Premium Rebate Recipient’s registered credit card account 3 months after the Home Insurance policy application date, provided that the Fire Insurance and Home Insurance policies are still effective on the payment date of Premium Rebate.
If Eligible Premium Rebate Recipient cancels the Fire Insurance and/or Home Insurance policy(ies) during the first policy year, OneDegree shall deduct the value of Premium Rebate (i.e. up to HKD 1,000) from any premium refund payable. If Eligible Premium Rebate Recipient cancels only one of the two policies, in the case where premium refund payable is less than value of Premium Rebate, OneDegree shall deduct the outstanding amount from the premium refund for the other policy at its cancellation (if applicable).
The Offer cannot be used in conjunction with any other promotional offer (Except for system automatic offer).
For details of coverage, terms, conditions, and exclusions of Fire Insurance and Home Insurance, please refer to the policy wordings.
OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of these terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.
In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.