@Guard - Purchase Protection

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@Guard Insurance Benefits

Smart Shoppers are cautious shoppers. They value and seek protection for items purchased online and want to ensure that damages and defects do not cause them financial distress. These customers seek protection for their payment cards on which they are heavily reliant for daily purchases. Due to card dependence, customers carry their cards in their wallets. Daily card exposure can make them vulnerable to fraudulent activity including fraudulent charges and theft of their identity. Additionally, they live a fast-paced lifestyle and cannot afford to be without access to their home and vehicles.

Cover online purchase incomplete delivery, physical damage if seller or courier has failed to refund up to HK30,000

Identity theft and fraudulent charge cover for credit card accounts and/or banking accounts

Cover your replacement cost for wallet and personal papers

Cover your keys of home and vehicle

Flexible plans, starting from $188 only

Incomplete delivery or wrong item delivered
Improperly functioning of delivered items due to physical damage
Non-delivery of purchase after 30 days of the scheduled delivery
Legal expenses of Identity Theft
Loss of wages for time off from work due to identity theft
Payment obligations for which customers are legally liable to creditors due to identity theft
Cost associated with having to submit new applications due to identity theft
Key Replacement

*For full wording in brochure - This is highlights only!. Please refer to the policy documents for detailed terms and conditions and exclusions.

Plan Benefits

Note:
* For Coverage 1: Only cover a maximum of five credit cards registered by the Insured Person at the time of application
* For Coverage 4 to 5: One claim per policy year

In the event of any discrepancy between the English and Chinese version, the English version shall prevail.

#For full wording in brochure - This is highlights only. Please refer to the policy documents for detailed terms and conditions and exclusions.

Coverage	Gold Plan	Platinum Plan
Maximum Limit Per Policy Year (HK$)
E-Purchase Protection Reimburse you for non-delivery and/or incomplete delivery of Goods; Reimburse you for improper functioning of Goods due to damage of delivered Goods as a result of physical damage	$10,000 (Limit per event: $1,000 / Excess per event: $100 for each and every claim)	$30,000 (Limit per event: $6,000 / Excess per event: 10% of the Goods' purchase price or $300, whichever is higher for each and every claim)
Identity Theft Coverage for 1) legal expenses 2) Lost Wages 3) payment obligations and 4) miscellaneous expenses (such as the cost of re-filing applications for credit accounts and/or banking accounts and notarization of documents relating to your identity theft) Limit per event: $10,000 (Gold Plan) / $25,000 (Platinum Plan) Lost wages limit: $3,000 (Gold Plan) / $7,500 (Platinum Plan)	$20,000	$50,000
Fraudulent charges	$3,000	$5,000
Wallet Guard * Loss or theft of wallet must be reported to the police Lost wallet limit : $1,000 (Gold Plan) / $2,000 (Platinum Plan) One claim per policy year	$2,500	$5,000
Key Replacement We will pay for the costs of: - Replacing keys of your home/vehicle if the keys are stolen or lost - Replacing locks and keys if break-in happens - Engaging a locksmith to gain access to your home or vehicle due to the loss or theft of key Excess per event: 10% for each and every claim. One claim per policy year.	$1,000	$3,800