OneDegree家居保險 – 「胡‧說獨家」享首年7折優惠及HK$200超市禮券*

OneDegree家居保險: 保障你家居大小事項，享首年7折優惠及HK$200超市禮券*

意外的事隨時發生，當家居發生意外時，就可能帶來突發財務負擔，若牽涉第三者責任，賠償金額可能更加大，一份合適的家居保險就可以幫你分擔潛在風險。虛擬保險公司OneDegree的家居保險，每月只要付出少於HK$100^*，即享有高達HK$1,500萬的第三者責任保障索償上限及HK$120萬家居財物保障，讓你可以用有限保費，享受更大保障。

只要是樓齡50年以下，OneDegree家居保險保障所有住宅物業種類，村屋及獨立屋亦可投保。你亦可加購家電維修保障，只需一個保費即可保障全屋主要電器維修費用，涵蓋14種電器種類，包括冷氣機、洗衣機、吸塵機等常見電器，全港最多。​

目前透過《胡‧說樓市》指定連結，並輸入指定優惠碼「WUCHATHOME30」，在限時優惠期間成功投保「OneDegree家居保險」可享7折優惠，及HK$200超市禮券^*，記得參考以下條款及細則啊!

OneDegree家居保險保障範圍廣: 業主租客都適用!

無論是自住或放租業主，或者是租客都可以投保OneDegree家居保險。除了坊間最常見的家居財物、第三者責任等保障外，OneDegree家居保險特設5項靈活自選保障，讓你選出最適合自己的保障範圍。

假如你準備將單位放租，你亦可選擇投保出租保障，如果租客沒有遵照租約繳付租金，OneDegree將向業主賠償實際租金損失，而且亦會承擔因租客蓄意破壞而導致租約上包含的家居財物損失。

如果你家有毛孩，亦可選擇投保「寵物主人第三者責任保障」，即使你的寵物意外咬傷他人，OneDegree家居保險的第三者責任保障都可覆蓋。

已買火險，是否不需再購買家居保險?

不是。火險與家居保險屬於兩種不同的產品，火險主要保障樓宇結構；家居保險主要為你的家居財物提供保障，包括傢私、設置及裝置、衣服、家居財物、私人物品，貴重物品以及室内裝修。同時，家居保險亦爲你提供第三者責任保障，保障你或你的家人作爲住所的業主，住客以及個人身份因疏忽導致他人身體受傷或財物損失的索償。

^{^}假設為實用面積400呎以下的單位投保尊尚計劃且不包含任何自訂保障，7折後其首年所需年繳保費為HK$1,032，便得出每月平均保費為HK$86。

怕家電壽命短，想慳返維修費用? 可以買埋家電保養保險!

如果你已有家居保險，你亦可選擇獨立購買家電保養保險，涵蓋全屋主要家庭電器，意味你家中大小電器損壞時，例如電視機、冷氣機、雪櫃、洗衣機等，都有人幫你分擔維修費用。

無論是新盤定舊樓，家電功能愈來愈多，但壽命卻愈來愈多，最怕免費保養期剛完結家電就壞掉，若撞正冷氣機、洗衣乾衣機等大型家電突然失靈，牽涉的維修費動輒過千元! 想家居再多一點保障，OneDegree推出的家電保養保險，就可為你保障全屋主要電器的維修費用。

首年保費7折後每月低至HK$66，你可以享有每年高達HK$40,000的電器維修費用保障額，比為每件電器獨立延長保養期更划算，保障14種家電維修費，包括冷氣機、雪櫃、洗衣乾衣機、電視機(屏幕除外)、焗爐、抽濕機等，不設電器數量及維修次數上限，只要該電器是香港購買的行貨，而且購買時間不超過60個月均受保，而且適用於隨發展商附送的新盤電器。

目前透過《胡‧說樓市》指定連結，並輸入指定優惠碼「WUCHATAPPL」，在限時優惠期間成功投保「OneDegree家電保養保險」可享7折優惠，及HK$200超市禮券，記得參考以下條款及細則啊!

條款及細則

1. 本推廣(「本推廣」)優惠的有效日期為即日起至2025年5月31日 (「推廣期」) 。  
2. 投保人必須在推廣期內
   i) 通過輸入指定優惠碼「WUCHATHOME30」成功購買由 OneDegree Hong Kong Limited （「OneDegree」）承保的家居保險，方可獲得首年保費7折  (「保費折扣」)及免費獲得港幣200元百佳超級市場現金券（「禮品」）(合稱「推廣優惠」)。
   ii) 通過輸入指定優惠碼「WUCHATAPPL」成功購買由 OneDegree Hong Kong Limited （「OneDegree」）承保的家電保養保險，方可獲得首年保費7折  (「保費折扣」)及免費獲得港幣200元百佳超級市場現金券（「禮品」）(合稱「推廣優惠」)。
   未能遵循程序將導致未能享用推廣優惠， 將不獲任何退款或禮品換領安排。  
3. 此推廣優惠只適用於自投保OneDegree家居保險或家電保養保險之日起計之過去3個月未曾持有有效的 OneDegree家居保險或家電保養保險的投保人。     
4. 投保人的個人資料有可能會與特定第三方合作夥伴分享，僅限於進行身份驗證以完成禮品兌換。  投保人參加本推廣即表示同意OneDegree以此目的收集、處理及移轉其個人資料。  
5. 所有遵循程序成功投保，且在獲得禮品時仍持有相關的有效的OneDegree家居保險或家電保養保險保單的投保人會於該OneDegree家居保險或家電保養保險保單的投保日起計第4個月通過在投保過程中提交的電郵收到禮品換領信（「換領信」），如因投保人所提供的資料錯誤或不完整導致無法成功收取換領信，OneDegree恕不負責。獎賞的實際領取日期可能會因禮品供貨安排而作出調整。如果禮品供應有變，OneDegree將以同等價值的同類貨品代替，恕不另行通知。  
6. 投保人須於換領信的指定換領日期內憑換領信到指定換領地點方兌換禮品。換領信不得轉讓，若因未有遵從指示而導致未能換領禮品，將不獲任何退款安排。   
7. 禮品及換領信無論在任何情況下均不能轉讓、退回、兌換現金或更換其他產品或服務。    
8. 有關禮品之使用須受禮品供應商所定之條款及細則約束。一切有關獎賞之查 詢或爭議，應直接聯絡禮品供應商。       
9. 此推廣優惠只適用於首年保單。   
10. 在報價過程中，折扣後的保費會在網站上被四捨五入到整數以方便顯示，最終的應繳交保費將以結帳頁面上所示為準。  
11. 若投保人在保單年度取消相關保單，OneDegree有權於應退保費中扣除有關推廣優惠的價值而毋須另行通知。   
12. 本推廣優惠不能和其他優惠同時使用。  
13. 任何未能滿足本條款及細則中提及的任何標準及/或要求將導致喪失本推廣優惠，並且不會安排任何退款。  
14. 有關家居保險及家電保養保險的保障範圍、條款細則及不保事項，請查閱保單條款以了解更多。    
15. OneDegree保留隨時更改或終止本推廣之權利，並對本推廣相關之所有事宜擁有最終決定權。    
16. 條款及細則中英文版之內容如有任何歧義，在任何情況下概以英文版為準。 
17. 參與者了解及明白是次推廣活動，《胡‧說樓市》並非上述服務或產品供應商，並明白《胡‧說樓市》可能會從上述推廣活動向服務或產品供應商收取，包括但不限於市場推廣費、活動宣傳費、行政費、佣金、轉介費、及任何交易衍生的開支等，作為推廣活動的回報。

Terms and Conditions (“Terms and Conditions”) 

1. This promotion (“Promotion”) is valid from now until 30 Apr 2025 (“Promotion Period”).     
2. i) To enjoy the 30% discount on Home Insurance (“Premium Discount”), underwritten by OneDegree Hong Kong Limited (“OneDegree”), and get a HKD 200 ParknShop supermarket cash voucher (“Reward”) (collectively, the “Promotion Offer”), the policyholders must apply “WUCHATHOME30” as the designated promo code to successfully complete policy purchase within the Promotion Period.
   
   ii) To enjoy the 30% discount on Home Insurance (“Premium Discount”), underwritten by OneDegree Hong Kong Limited (“OneDegree”), and get a HKD 200 ParknShop supermarket cash voucher (“Reward”) (collectively, the “Promotion Offer”), the policyholders must apply “WUCHATAPPL” as the designated promo code to successfully complete policy purchase within the Promotion Period.
   
   Not following the said procedure will result in loss of Promotion Offer and no refund or reward redemption shall be arranged afterwards.  
3. Only the policyholders who have not held any effective OneDegree’s Home Insurance or Home Appliances Warranty Insurance policy(ies) in the past 3 months from the enrolment date of the OneDegree’s Home Insurance or Home Appliances Warranty Insurance are eligible for this Promotion.     
4. The policyholders’ personal information may be shared with specific third-party partners solely for the purpose of identity verification to facilitate reward redemption.  By participating in this Promotion, the policyholders agree to the collection, processing, and transfer of their personal data by OneDegree for this purpose.  
5. The redemption letter for the Reward (“Redemption Letter”) will be issued at the 4th month counted from enrolment date of the relevant OneDegree’s Home Insurance or Home Appliances Warranty Insurance  policy provided that the policyholders follow the said procedure to successfully complete policy purchase and the relevant OneDegree’s Home Insurance or Home Appliances Warranty Insurance policy is still effective on such date of issuing the Reward. OneDegree will not be responsible for any failure to receive the Redemption Letter due to incorrect or incomplete information provided by the policyholders. Actual reward collection date may vary as it is subject to stock availability. OneDegree reserves the right, at its sole discretion, to substitute a similar item of equal value at any time without notice if there is any change in the supply of the Reward.   
6. The policyholders must redeem their Reward within the specified redemption period at the designated redemption location by presenting the redemption letter. Any failure in doing so will result in loss of Reward and no refund shall be arranged afterwards.       
7. The Reward and Redemption Letter cannot be transferred, returned, exchanged for cash, or exchanged for other products or services under any circumstances.   
8. The Reward is subject to the terms and conditions imposed by the Reward supplier. In case of any enquiry or dispute in relation to the Reward, the policyholders should contact the Reward supplier directly.   
9. The Promotion Offer is only applicable to premiums for the first year of a policy.      
10. The discounted premium will be rounded to the nearest whole number on the website during quotation. The actual premium payable will be shown at the checkout page.    
11. If the policyholder cancels the relevant OneDegree’s Home Insurance or Home Appliances Warranty Insurance  policy during the policy term, OneDegree reserves the right to deduct the Promotion Offer from any premium refund.   
12. This Promotion Offer cannot be used in conjunction with any other offers.  
13. Failure to meet any criteria and/or requirements mentioned in these Terms and Conditions will result in the loss of the Promotion Offer, and no refund will be arranged.  
14. For details of coverage, terms, conditions, and exclusions of OneDegree Home Insurance and Home Appliances Warranty Insurance, please refer to the policy wording.    
15. OneDegree may amend or terminate this Promotion without notice. All matters or disputes in relation to this Promotion and the interpretation of these terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.    
16. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.