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Decoration Protection Insurance
Extensive coverage for homes, offices, or shops
Makes decoration a joyful experience
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Renovating your home, office, or shop can be an exciting and highly rewarding experience. However, before you begin, it is essential that you protect yourself against potential financial loss or liability claims that could arise from accidents during renovation. Such coverage is often insufficient under home insurance plans.
Decoration Protection Insurance promises to give you the comprehensive protection you need to carry out your decoration, maintenance, or renovation work. Five plan levels are available for you to select from, covering a contract value of up to HK$500,000. For your added flexibility, you may choose third party liability coverage only, which will protect you against potentially huge liability claims.
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Plan 1 |
Plan 2 |
Plan 3 |
Total Contract Value
not exceeding (HK$) |
100,000 |
200,000 |
300,000 |
| Premium (HK$) |
| Contract without exterior scaffolding work |
| Maximum Indemnity (HK$) |
100,000 |
N/A |
200,000 |
N/A |
300,000 |
N/A |
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Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
| A) 5,000,000 |
1,200 |
1,000 |
1,350 |
1,150 |
1,500 |
1,300 |
| B) 8,000,000 |
1,500 |
1,250 |
1,800 |
1,500 |
2,000 |
1,700 |
| C) 10,000,000 |
1,850 |
1,550 |
2,100 |
1,750 |
2,400 |
2,000 |
| Contract with exterior scaffolding work# |
| Maximum Indemnity (HK$) |
100,000 |
N/A |
200,000 |
N/A |
300,000 |
N/A |
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Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
| D) 5,000,000 |
1,450 |
1,300 |
1,750 |
1,450 |
2,000 |
1,700 |
| E) 8,000,000 |
2,150 |
1,800 |
2,400 |
2,000 |
2,750 |
2,350 |
| F) 10,000,000 |
2,400 |
2,000 |
2,900 |
2,400 |
3,350 |
2,700 |
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| *Limit of indemnity per any one accident. Unlimited claims during any one insured period. |
| #The costs of exterior work involving scaffolding shall not exceed 15% of the total contract value. |
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Plan 4 |
Plan 5 |
Total Contract Value
not exceeding (HK$) |
400,000 |
500,000 |
| Premium (HK$) |
| Contract without exterior scaffolding work |
| Maximum Indemnity (HK$) |
400,000 |
N/A |
500,000 |
N/A |
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Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
| A) 5,000,000 |
1,800 |
1,500 |
2,100 |
1,750 |
| B) 8,000,000 |
2,300 |
1,850 |
2,700 |
2,300 |
| C) 10,000,000 |
2,750 |
2,350 |
3,100 |
2,600 |
| Contract with exterior scaffolding work# |
| Maximum Indemnity (HK$) |
400,000 |
N/A |
500,000 |
N/A |
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Sections
I & II |
Section
II only |
Sections
I & II |
Section
II only |
| D) 5,000,000 |
2,550 |
2,100 |
3,050 |
2,500 |
| E) 8,000,000 |
3,100 |
2,600 |
3,650 |
3,000 |
| F) 10,000,000 |
3,750 |
3,100 |
4,250 |
3,500 |
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| *Limit of indemnity per any one accident. Unlimited claims during any one insured period. |
| #The costs of exterior work involving scaffolding shall not exceed 15% of the total contract value. |
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Excess
1. Material Damage Protection
In respect of each and every claim
| - Plan 1: HK$5,000 |
| - Plan 2: HK$10,000 |
| - Plan 3/4/5: HK$15,000 |
2. Public Liability to Third Party
In respect of each and every claim (applicable to all plans)
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HK$10,000 in respect of each and every claim on third party property damage |
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HK$10,000 or 15% of loss, whichever is greater, in respect of loss of or damage to principal's property |
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HK$10,000 or 15% of loss, whichever is greater, in respect of water damage to third party property |
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HK$20,000 or 20% of loss, whichever is greater, in respect of vibration damage to third party property |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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