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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. 

 
 

CLICK TO COMPARE PLAN COVERAGE AND BENEFITS

Plan Benefits

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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. 

Table1
  Coverage Gold Plan Platinum Plan

E-Purchase Protection

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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

l

$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

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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)

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$20,000 $50,000

Fraudulent charges

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$3,000 $5,000

Wallet Guard

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* 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

l

$2,500 $5,000

Key Replacement

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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.

l

$1,000 $3,800
 
 

Compare gold plan and platinum plan

  • Gold Plan
    E-Purchase protection up to $10,000 per year Identity theft protection up to $20,000 Fraudulent charges protection up to $3,000 Wallet guard protection up to 2,500 Key replacement coverage up to $1,000
    View more >
  • VS
  • Platinum Plan
    E-Purchase protection up to $30,000 per year Identity theft protection up to $50,000 Fraudulent charges protection up to $5,000 Wallet guard protection up to 5,000 Key replacement coverage up to $3,800
    View more >
 
 

How to buy

Clients can get a quote , choose and purchase @guard insurance plan in real time with the best rates.

  • Get a quote
    1

    Select the preferred plan

    Choose gold plan or platinum plan

  • Get a quote
    2

    Provide insured information

    Enter details about applicant / insured person

  • Get a quote
    3

    Provide payment

    Make payment using your preferred payment method.

  • Get a quote
    4

    Payment & Confirmation

    Make your payment online, and the system will issue a confirmation when the policy is successfully issued.