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Mortgage Fire Insurance

Fire Protection

Fire is a major destructive force, but you can significantly reduce the destruction of your finances with a little foresight and low premiums.

Your home may be one of the biggest investments you have ever made, so it makes good sense to protect your interest. Fire is a common hazard that can destroy in just minutes on what has taken years to acquire. While we cannot prevent hazards like fire and natural disasters, we can protect you against the financial losses suffered during such events. With China CITIC Bank International Mortgage Fire Insurance Plan, we will make sure you are adequately compensated for any losses and provide the assistance you need during rebuilding your precious home.

Features

Our mortgage fire insurance provides all-rounded protection with extensive coverage, including damage to building caused by:

Fire & lightning
Aircraft
Bush fire
Earthquake (fire, shock & flood)
Explosion
Vehicle impact (by any vehicle)
Riot & strike
Malicious damage
Spontaneous combustion
Sprinkler leakage
Typhoon, windstorm & flood
Bursting or overflowing of water tanks, apparatus & pipes
Landslip & subsidence

Important Notes

Zurich Insurance Company Ltd (hereafter “Zurich”) is the insurance underwriter of the insurance plan, and is solely responsible for all coverage and compensation. The insurance plan is a product of Zurich but not China CITIC Bank International Ltd. Zurich is not a subsidiary or an affiliate of China CITIC Bank International Ltd. China CITIC Bank International Ltd is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an appointed licensed insurance agency of Zurich for distribution of general insurance products in the Hong Kong SAR.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between China CITIC Bank International Ltd and the customer out of the selling process or processing of the related transaction, China CITIC Bank International Ltd is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly Zurich Insurance Company Ltd and the customer.

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.