PDF《TENANT PROTECTOR INSURANCE POLICY》

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6 (LTNCG02) IMPORTANT - Please read this Policy carefully upon receipt and promptly request for any necessary amendments.

The proposal and declaration made by You shall be the basis of this contract. You are obliged to pay the premium stated in the Schedule as consideration for this insurance. This Policy together with the enclosed Schedule and any Endorsements subsequently issued should be read as if they are one document and form the contract between You and Us. When it expires it may be renewed. This Policy has been arranged on the basis of the information supplied by You to Us. It may be that We would decline your claim under this Policy if any statements or any part thereof made were not entirely truthful and frank. Please examine this document and the Schedule, and if they do not meet your requirements, or if any information is not correctly stated, kindly return the documents at once to the office which issued them and ask for the corrections to be made. Please do not hesitate to contact your insurance broker/agent or Us if You are in any doubt. We are always happy to assist on any insurance enquiries You may have. DEFINITIONS Certain words in the Policy have specific meanings. These meanings are given below. Whenever these words are used, this is what they mean. Contents means:- All your furnitures, furnishings, home appliances and Personal Effects including household appliances hired by You or Your Family, Valuable Property, Money and Household Improvements but excluding: a) motor vehicles (other than lawnmowers and pedestrian controlled gardening implements for home use only), motorcycles, caravans, trailers or their spare parts and accessories when on them;

b) livestock, pets and animals;

c) growing crops and plants;

d) watercraft (other than hand-propelled), hovercraft, boats and outbound motors or their spare parts and accessories;

e) aircraft or any aerial or spatial device and their accessories and spare parts including satellite antennae;

f) mobile / portable radio telecommunication equipment (e.g. mobile / portable telephones and pagers), tablet computers;

g) property in the course of removal or transit;

h) Specially Held Items;

i) loss of or damage to films, tapes, cassettes, cartridges, discs or diskettes other than for their value as unused material, unless purchased pre-recorded when We will pay up to the market'

s latest price list;

j) personal documents;

k) Contents on roof or in open area. Excess means:- The first amount of any claim which You must bear as You are not insured for this amount. Geographical Limits means:- a) Hong Kong b) Worldwide in respect of temporary visits with each visit not exceeding sixty (60) consecutive days. For this purpose, visit means a round trip commencing in Hong Kong. Home / Insured Premises means:- The private dwelling, house, apartment or flat solely for domestic use, being constructed of bricks, stone and concrete, roofed with concrete, located at the Situation stated in the Schedule. Hong Kong means:- The territorial limits of the Hong Kong Special Administrative Region. Household Improvements means:- Improvements and betterments on Landlord'

s fixtures and fittings made by You within your Home. Landlord means:- The person named as the Landlord as specified in the Tenancy Agreement who leases the Insured Premises to the Insured. Money means:- Cash, cheques, postal orders, bankers drafts, travel tickets, saving certificates, current postage stamps, gift tokens, all held for social or domestic purposes. Period of Insurance means:- The period specified in the Schedule for which We have agreed to accept and You have paid or agreed to pay the appropriate premium. Personal Effects means:- Articles of personal use specifically designed to be worn or carried, belonging to You or Your Family. Registered Medical Practitioner means: - A person other than You or your family members, who is a practitioner of western medicine duly qualified and legally registered as such under the laws of the Hong Kong Special Administrative Region. Schedule means:- The document attached to this Policy containing details specific to You including your name, address, location of risk and the Limit of Indemnity / Limit of Liability. Specially Held Items means:- a) Items which are held or used in connection with any profession, business or employment, or b) Items which are insured under a separate insurance policy. Tenancy Agreement means:- The written, duly stamped and enforceable tenancy agreement between the Insured as the Tenant and the Landlord in respect of the Insured Premises. Tenant means:- The Insured named as the Tenant as specified in the Tenancy Agreement who rents the Insured Premises from the Landlord. Valuable Property means:- Jewellery, items of gold, silver or other precious metals, items of crystal and precious stones, collection of stamps, coins or medals, watches, photographic equipment, binoculars, works of art, Chinaware, curios, furs, musical instruments (excluding pianos). We / The Company / Us means:- MSIG Insurance (Hong Kong) Limited. You / The Insured means:- The Insured named in the Schedule who is the Tenant renting the Insured Premises as his Home and for whom this insurance has been arranged. TENANT PROTECTOR INSURANCE POLICY Page