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標題: 請問你地駛唔駛買火險??? [打印本頁]

作者: YY and KC 時間: 2004-9-8 11:31:24 標題: 請問你地駛唔駛買火險???

其實為左呢件事我已經同發展商 / 銀行糾纏左成幾個月勒今日銀行同發展商分別都俾左答案我 ------- 就係呢個係HSBC對火險之要求較其他銀行高所以一定要買而發展商亦無野可以協助.

我想問其他業主仲有無其他銀行有呢個情況呢? 禁對一班用匯豐銀行做Mortgage既業主黎講咪要多俾一筆囉? :em01:

有無人可以俾d意見我呢??

作者: Robert 時間: 2004-9-8 11:47:39

係IBA做按揭時佢送1年火險
首年自己俾，第2年佢送

作者: YY and KC 時間: 2004-9-8 12:02:44

我地就HSBC送半年依家10月到期勒銀行要我地俾錢買.
但我地覺得點解其他銀行可以接受發展商已提供既保險但我地又要再俾錢呢? 須知道其實火險係包在管理費內禁換句話講我地咪要俾兩份錢?? 真係激氣呀.......... :evil:

作者: Hello Kitty 時間: 2004-9-8 12:05:56

Well Right now I'm also got the same case as you and not come to a conclusion. But before I join the Mortage with HSBC (because Standard Charter no need to buy Fire Insurance for RC) I asked them and they checked with Hutchison and said that no need to buy too.
Have you ask them if you buy from HSBC and MO brought the insurance as well. Touch wood ! If you need the compensation can you enjoy double benefit or not ? Even though it's a must to buy Fire Insurance I didn't think I need to buy from HSBC. Moreover the policy from HSBC is very standard. Anyway keep in touch and share the information.
Thanks.

作者: Cora Kwong 時間: 2004-9-9 02:21:44

[quote:c65b8d9fee="YY & KC"]我地就HSBC送半年依家10月到期勒銀行要我地俾錢買.
但我地覺得點解其他銀行可以接受發展商已提供既保險但我地又要再俾錢呢? 須知道其實火險係包在管理費內禁換句話講我地咪要俾兩份錢?? 真係激氣呀.......... :evil:[/quote]

我都係呀! 不過我嬲得滯自已係出面買 HSBC擺明係貴過人但係我都打咗去和黃反映佢係咁道歉其實火險係唔應該包在管理費內我點知你係管理費內攞咗幾多嚟買應該用者自付及有選擇權呢的CASE試過係消費者委員會喥投訴過啦! 不過結果係點你都明呢啦! 你有冇精力同時間呀?! 唉! 咪得个"嘈"字

作者: Cora Kwong 時間: 2004-9-9 02:36:12 標題: Re: 請問你地駛唔駛買火險???

[quote:943396f25f="YY & KC"]其實為左呢件事我已經同發展商 / 銀行糾纏左成幾個月勒今日銀行同發展商分別都俾左答案我 ------- 就係呢個係HSBC對火險之要求較其他銀行高所以一定要買而發展商亦無野可以協助.

我想問其他業主仲有無其他銀行有呢個情況呢? 禁對一班用匯豐銀行做Mortgage既業主黎講咪要多俾一筆囉? :em01:

有無人可以俾d意見我呢??[/quote]

無奈都要買我都CHECK 哂啦! 打咗幾十個電話不過唔會幫襯HSBC 佢要成仟呅貴過人但HSBC話咗要係17/9 前SETTLE 就算唔幫襯佢唔明可以PM我!

作者: Hello Kitty 時間: 2004-9-9 10:19:52

Me Too !! I called them and got the same result. They promised to re-valuate the amount of insured address then the premium will be decresed since some of items are included in our master policy. Normally the client need to pay for the revaluation fee but this time the spending is on their account. That's the thing that they can help.
Anyway I do ask the quotation of other insurance co. Remember this co should be on HSBC list of acceptance.
Keep in touch.

作者: YY and KC 時間: 2004-9-9 10:31:42

但我問過恆生價錢同匯豐一樣你地知唔知邊間會平d呢? thx.......

作者: Hello Kitty 時間: 2004-9-9 12:27:50

YY & KC
Well once I'll get the quotation which is cheaper than HSBC and on their list as well I will let you know.

作者: YY and KC 時間: 2004-9-9 12:36:15

Thx a lot Hello Kitty.......... :wink:

作者: eric_818 時間: 2004-9-9 13:19:13

轉mortgage咪得囉.

作者: YY and KC 時間: 2004-9-9 13:59:37

我地頭3年唔轉得架要罰息............ :?

作者: SEVEN 時間: 2004-9-9 15:39:29

我問了做保險的朋友他說火險銀行一定要買的但有些屋苑管理費會包括的
不知道RC是否有包呢 ??? :shock: :roll:
<有無知道請回應下 ! :idea:

作者: SEVEN 時間: 2004-9-9 15:41:09

YY & KC 寫到:
其實為左呢件事我已經同發展商 / 銀行糾纏左成幾個月勒今日銀行同發展商分別都俾左答案我 ------- 就係呢個係HSBC對火險之要求較其他銀行高所以一定要買而發展商亦無野可以協助.

我想問其他業主仲有無其他銀行有呢個情況呢? 禁對一班用匯豐銀行做Mortgage既業主黎講咪要多俾一筆囉?

有無人可以俾d意見我呢??

我問了做保險的朋友他說火險銀行一定要買的但有些屋苑管理費會包括的
不知道RC是否有包呢 ??? :shock: :roll:
<有無知道請回應下 ! :idea:

作者: Hello Kitty 時間: 2004-9-9 16:08:05

MO has already brought Master Fire Policy that most of the bank are aceepted. (That is paid by our Mgt Fee) However HSBC required a higher standard policy which includes explosion; Earthquake; Typhoon windstorm & flood; Landslide & Subsidence. That's why those have mortgage with HSBC will need to buy the Fire Insurance that meet their standard.

作者: Hello Kitty 時間: 2004-9-10 16:22:46

Hi YY & KC
In my case I called the branch manager (the one handling my mortgage)
and discussed my case. He kept his word the insured sum (original is the same as mortgage amount) is half of it after the revaluation. Therefore the premium is also half of it.
However I asked another insurance co the premium will be 15% less than HSBC. At present I'm still comparing the quotation if you need any information please PM me. Thanks.

作者: tony and carmen 時間: 2004-9-10 23:37:26

我問過匯豐RC份火險用唔到要再買千幾蚊 :em06:
再問自己保險700-800 就ok
要交雙重保費真慘
我地可以點啊 :?:

作者: 維也納 時間: 2004-9-13 13:27:21

我都係hsbc 架有決定選邊間保險請通知 thanks

作者: alankle 時間: 2004-9-13 20:19:09

係呀~~~我都係上個星期六先收到匯豐有封甘既信呀~~~
無啦啦要我交$14xx呀~~~
都唔知咩保險呀~~~~~
好咩囉~~~~ :em03: :?: :shock:

作者: cola 時間: 2004-9-13 22:23:58 標題: Fire Insurance

銀行己经退回火險费即係今年唔駛比.

作者: Tang see 時間: 2004-9-13 22:40:19

我都收到hsbc續保通知同埋問咗管理處佢話管理費只是包公用地方之火險.
應該無錯因為火險是用你借之款項計算.所以管理處無理由知你借幾錢.點可能
包在裹面.如覺保費太貴可問hsbc可否在外面自己買應該可以但一定要夠.

作者: YY and KC 時間: 2004-9-13 22:41:20

HiHi Hello Kitty

我都係同匯豐交涉緊希望有好消息啦我地再聯絡啦............

作者: tony and carmen 時間: 2004-9-14 00:09:16

[quote:19be15aa57="維也納"]我都係hsbc 架有決定選邊間保險請通知 thanks[/quote]
我問過保誠683呎 $700-$800
HSBC要$1XXX

作者: alankle 時間: 2004-9-14 09:22:37

Dear Tony&carmem:
It is true~~~my home is also 638feet and have to pay $14xx ar~~~
So expensive~~~~~

作者: H and H 時間: 2004-9-14 13:19:17

me too 683 sq. feet also $14xx what can we do??? really need to buy??? why only HSBC need but other mortgage bank not???

作者: kk-in-hk 時間: 2004-9-14 13:23:42

你地可以自己出去買火險的問多幾間保險公司有買開人壽保險的可以問個agent quote 價簽之前再回頭問下bank "間保險公司係唔係on list" 係 on list 就可以了. 一些中資保險公司或有可能會平D. 經相熟agent 的其實可以講價的.

作者: Hello Kitty 時間: 2004-9-14 13:25:36

I've checked with MO that our Master Policy is handled by The Ming An Insurance Co. The premium of Ming An is around $0.85 per $1000 insured sum and HSBC is around $1.1. BUT the most important part is the insured sum = replacement value not equal the mortgage sum. In my case my replacement value is less than half of the mortgage sum therefore the premium will be much much lower. (Less than $700 originally from HSBC is around $1800.
I may suggest that ask like Debenham Tie Leung to revaluate first then find another insurance co to buy Fire Insurance.
If anyone need the contact please PM me.

作者: alankle 時間: 2004-9-14 15:27:28

I have ask the staff of HSCB~~~
But she said the critieria of the bank is much higher than other bank
so I think we have to find another bank of insurance company to do the Insurance~~~~~ :cry: :em18:

作者: Kiliyan 時間: 2004-9-16 15:37:11

我剛剛才發現呢個問題呀!!!! :evil: 激死我!!! 要成$1039.50一年所以我都問緊我個保險agent!!!!激死!!!!!HSBC扮晒要求高!討厭!!!就算保險公司都係差唔多錢既話我都照買點都唔會同HSBC買! :twisted:

作者: SEVEN 時間: 2004-9-16 16:02:28

[quote:c4b7bd2b61="Kiliyan"]我剛剛才發現呢個問題呀!!!! :evil: 激死我!!! 要成$1039.50一年所以我都問緊我個保險agent!!!!激死!!!!!HSBC扮晒要求高!討厭!!!就算保險公司都係差唔多錢既話我都照買點都唔會同HSBC買! :twisted: [/quote]我有份"AXA"火險資料..可以比較一下 :em07:

作者: Hello Kitty 時間: 2004-9-16 16:08:48

Today I called HSBC again. The lady repiled that the Management at present is discussing RC may not need to pay an extra fire insurance they may accept our Master one. BUT if you buy from them they may refund it. While if you buy from other insurance co is better to wait until Sept 27 for their finally decision.

作者: BLUE 時間: 2004-9-16 17:13:33

我有份"AXA"火險資料..可以比較一下

我剛剛問了朋友"AXA"價格 :
1) 火險每年 HK$ 750.00 <樓宇結構 701-1000尺>
2) 火險連家居保障每年 HK$1180
3) 家居保障每年 HK$560.00

作者: Kiliyan 時間: 2004-9-16 17:26:44

So it's better to wait HSBC. But my case the expiry date is 1 Oct. But i think i will wait till 27 September and i will also call them again and again. As the guy he talked to me this afternoon also claim that they are still discuss with RC but not yet have any confirmation. Did the lady tell you they will have final decision on 27 Sept.?

作者: Kiliyan 時間: 2004-9-16 17:31:31

[quote:ac7384b45d="BLUE"]

我有份"AXA"火險資料..可以比較一下

我剛剛問了朋友"AXA"價格 :
1) 火險每年 HK$ 750.00 <樓宇結構 701-1000尺>
2) 火險連家居保障每年 HK$1180
3) 家居保障每年 HK$560.00[/quote]

I just ask my agent(AXA) already but the price is higher than you and the price she quoted me is based on the mortgage amount not the area amount. Why it's different?

作者: Hello Kitty 時間: 2004-9-16 20:01:38

Hi Kiliyan
My insurance expiry date is also Oct 1 04. Today I called them because I've already asked Ming An to draft the policy to HSBC for their approval. Right now I just wait for their reply rather need to buy or not. I think we have sufficient time to arrange it.
How about your permium ?? Mine is around 1/3 of original of HSBC.
Anyway keep in touch !

作者: SEVEN 時間: 2004-9-17 10:42:29

[quote:9da18e2287="Kiliyan"][quote:9da18e2287="BLUE"]

我有份"AXA"火險資料..可以比較一下

我剛剛問了朋友"AXA"價格 :
1) 火險每年 HK$ 750.00 <樓宇結構 701-1000尺>
2) 火險連家居保障每年 HK$1180
3) 家居保障每年 HK$560.00[/quote]
I just ask my agent(AXA) already but the price is higher than you and the price she quoted me is based on the mortgage amount not the area amount. Why it's different?[/quote]

晤好意思 !

ops:

ops: 應該用mortgage amount :arrow: :arrow:
例如果層樓大約一百萬火險每年 HK$ 750.00 :em07:

作者: BLUE 時間: 2004-9-17 10:49:35

[quote:ed3e00a868="SEVEN"][quote:ed3e00a868="Kiliyan"][quote:ed3e00a868="BLUE"]

我有份"AXA"火險資料..可以比較一下

我剛剛問了朋友"AXA"價格 :
1) 火險每年 HK$ 750.00 <樓宇結構 701-1000尺>
2) 火險連家居保障每年 HK$1180
3) 家居保障每年 HK$560.00[/quote]
I just ask my agent(AXA) already but the price is higher than you and the price she quoted me is based on the mortgage amount not the area amount. Why it's different?[/quote]

晤好意思 !

ops:

ops: 應該用mortgage amount :arrow: :arrow:
例如果層樓大約一百萬火險每年 HK$ 750.00 :em07:[/quote]晤該晒你 SEVEN 我會問返"AXA" :em09:

作者: vivian 時間: 2004-9-17 10:56:01

我問過青衣城的中國銀行
她告訴我業主不用買火險因為管理公司已經買左
但呢d火險只包外牆不包室內
要包室內就個別買"家居綜合保險"
投保$300000每年年費約$600

作者: SEVEN 時間: 2004-9-17 14:33:12 標題: 請問你地駛唔駛買火險

[quote:40a1fe1453="vivian"]我問過青衣城的中國銀行
她告訴我業主不用買火險因為管理公司已經買左
但呢d火險只包外牆不包室內
要包室內就個別買"家居綜合保險"
投保$300000每年年費約$600[/quote]

請問依家駛唔駛買火險

作者: BLUE 時間: 2004-9-17 14:40:39 標題: Re: 請問你地駛唔駛買火險

[quote:8dd932e328="SEVEN"][quote:8dd932e328="vivian"]我問過青衣城的中國銀行
她告訴我業主不用買火險因為管理公司已經買左
但呢d火險只包外牆不包室內
要包室內就個別買"家居綜合保險"
投保$300000每年年費約$600[/quote]

請問依家駛唔駛買火險[/quote]

我都好想知道究竟駛唔駛買火險 :?: <HSBC 只係送半年比我... :em05: >

作者: vivian 時間: 2004-9-17 15:00:21

我好仔細問過我間銀行她說我不用買火險
因為她說 RC管理公司已經買左
但強調呢個只係包外牆大圍的保障
that means :

(1) 如有火災室內的賠償是不保障在內
(2) 如果要保障室內的損失及第三保則要自己買一種叫做 "家居綜合保"

我的理解就是那樣
希望各位街坊指點!! :em14:

作者: Hello Kitty 時間: 2004-9-17 15:22:14

Most of the Bank will accept Master Fire Insurance Policy brought by RC Mgt Office (which means including in our Mgt Fee). At present we are discussing is HSBC which need the borrower to buy a fire insurance policy that meet their higher standard they charged HK1XXX. In other words if your mortgage is with HSBC you may need to buy another Fire insurance policy which meet HSBC standard e.g. explosion.
If you have mortgage Bank will need you to buy Fire Insurance. For new development like RC the Mgt Fee has already included.
Therefore we fight for HSBC just like other Bank accept our Master policy. Then we can save the $$$.
I hope you can understand don't mix up fire insurance & home protection insurance.
Moreover as I mentioned the insured amount of Fire Insurance is not necessary to be the same amount of mortgage. It's should be the replacement value = dwelling.

作者: vivian 時間: 2004-9-17 15:37:31

I see. 咁唔關我事因我不是幫襯HSBC !
Good Luck ! 8) 8) 8)

作者: BLUE 時間: 2004-9-17 16:24:28 標題: 幫襯HSBC

[quote:12da616783="Hello Kitty"]Most of the Bank will accept Master Fire Insurance Policy brought by RC Mgt Office (which means including in our Mgt Fee). At present we are discussing is HSBC which need the borrower to buy a fire insurance policy that meet their higher standard they charged HK1XXX. In other words if your mortgage is with HSBC you may need to buy another Fire insurance policy which meet HSBC standard e.g. explosion.
If you have mortgage Bank will need you to buy Fire Insurance. For new development like RC the Mgt Fee has already included.
Therefore we fight for HSBC just like other Bank accept our Master policy. Then we can save the $$$.
I hope you can understand don't mix up fire insurance & home protection insurance.
Moreover as I mentioned the insured amount of Fire Insurance is not necessary to be the same amount of mortgage. It's should be the replacement value = dwelling.[/quote]

即係話幫襯HSBC 要多買一份火險 ?? :twisted:
其它銀行是不是不用買呢 ?? :?: :?: 有無人笞到我 :em14: :em14:

作者: vivian 時間: 2004-9-17 16:29:47

Blue
我幫襯中國銀行我不用買!

作者: Hello Kitty 時間: 2004-9-17 16:44:25

Blue
It will depend on our Bank. If your Bank accept the Master Fire Insurance you no need to buy a additional fire insurance. A copy of the Master policy is available at our Mgt Office (L-1).

作者: SEVEN 時間: 2004-9-18 10:53:06

[quote:93c3586324="vivian"]Blue
我幫襯中國銀行我不用買![/quote]

:?: Hello Kitty
:arrow: 我已經問了"HSBC"一定要買火險佢地話管理公司買火險是保障全座大廈外牆單位內是不包括再內的 :twisted: 佢仲話一般銀行都會要求業主買 :!:

:?: VIVIAN 我就晤明白點解"中國銀行"不用買 ??? 可不可以提供到資料 ???

作者: vivian 時間: 2004-9-18 11:44:32

Seven
我不知道中國銀行為什麼不需要我買火險
他們解釋說因為RC管理公司已買了火險
我們不必再買.
他們說我只需買"家居綜合保"便可因為這保險是保障自己屋內及第三者的保障
中國銀行沒有需要及強行我買任何保險
如您想問多d please call : Ms. Carroll Lee of Bank of China (Tsing Yi Branch) at 24369298
She may give you more information.
or I could talk to you over the phone if you wish. Please PM me!

作者: H and H 時間: 2004-9-23 10:53:51

[quote:beb186dfdd="Hello Kitty"]Today I called HSBC again. The lady repiled that the Management at present is discussing RC may not need to pay an extra fire insurance they may accept our Master one. BUT if you buy from them they may refund it. While if you buy from other insurance co is better to wait until Sept 27 for their finally decision.[/quote]hi hello kitty 唔知依家進展如何呢我都check緊我個friend(hsbc staff)

請問知唔知management office經邊間買master fire insurance 呢?

作者: Hello Kitty 時間: 2004-9-23 14:23:05

Hi H & H
As I Know is The Ming An Insurance Co (HK) Ltd & master policy No. is HWPG1.
That's why I will buy from Ming An if HSBC required since their rate is lower than HSBC. If you need the contact you can PM to me. Thanks!

作者: SEVEN 時間: 2004-9-23 16:54:34

:em14: :em14: 有無人知道hsbc是否不用買火險 ???

我問hsbc 保險部門佢地話晤洗買但按歇部又話要買????

作者: H and H 時間: 2004-9-23 17:25:43

[quote:a2f61e5425="SEVEN"]:em14: :em14: 有無人知道hsbc是否不用買火險 ???

我問hsbc 保險部門佢地話晤洗買但按歇部又話要買????[/quote]i'm now still checking with my friend (hsbc staff)

作者: BLUE 時間: 2004-9-23 18:35:43

[quote:e83311cd4f="H&H"][quote:e83311cd4f="SEVEN"]:em14: :em14: 有無人知道hsbc是否不用買火險 ???

我問hsbc 保險部門佢地話晤洗買但按歇部又話要買????[/quote]i'm now still checking with my friend (hsbc staff)[/quote]

H&H : 如果有消息請通知我 ! 我都問過HSBC佢地話要買但係我朋友一樣係佢地到供樓就不用買

THNAKS

作者: Hello Kitty 時間: 2004-9-24 11:29:28

Hi H&H Blue
Yesterday I called HSBC again still have no conclusion. Maybe we need to wait until Sep 27.
Anyway once I know I'll disclose the details here therefore you guys please check it on next monday.
Thanks.

作者: POON 時間: 2004-9-24 11:44:36

Hello Kitty :

我都係幫HSBC做按歇佢地要我再買火險因為RC管理公司買個份晤夠COVER ??  :!:  :!:
佢地送了半年火險比我..不過我都想知需晤需要買?? :?:  :?:
如果不用買叫銀行送其它優惠比我.... :mrgreen:  :mrgreen:

晤該你 :em19:

作者: Hello Kitty 時間: 2004-9-24 12:01:47

I've checked with MO that our Master Policy is handled by The Ming An Insurance Co. The premium of Ming An is around $0.85 per $1000 insured sum and HSBC is around $1.1. BUT the most important part is the insured sum = replacement value not equal the mortgage sum. In my case my replacement value is less than half of the mortgage sum therefore the premium will be much much lower. (Less than $700 originally from HSBC is around $1800.
I may suggest that ask like Debenham Tie Leung to revaluate first then find another insurance co to buy Fire Insurance.
If anyone need the contact please PM me.

作者: Hello Kitty 時間: 2004-9-24 12:03:29

Today I called HSBC again. The lady repiled that the Management at present is discussing RC may not need to pay an extra fire insurance they may accept our Master one. BUT if you buy from them they may refund it. While if you buy from other insurance co is better to wait until Sept 27 for their finally decision

If you still have any question you can PM me.

作者: Hello Kitty 時間: 2004-9-27 15:44:40

I called HSBC again. Still didn't have any conclusion. The lady said if they can't get the conclusion from the Management on or before 28 Sept 04(Tue) they will continue to give us FREE Fire Insurance (of their standard) until further notice (if buy from other insurance co). BUT if buy from them they will charge you first if not needed they will refund it. So please an eye on it.
Any further details I will post here. Thanks.

作者: H and H 時間: 2004-9-27 16:09:06

[quote:27b393cd22="Hello Kitty"]I called HSBC again. Still didn't have any conclusion. The lady said if they can't get the conclusion from the Management on or before 28 Sept 04(Tue) they will continue to give us FREE Fire Insurance (of their standard) until further notice (if buy from other insurance co). BUT if buy from them they will charge you first if not needed they will refund it. So please an eye on it.
Any further details I will post here. Thanks.[/quote]similar answer from my friend told me today we need to keep eye on it.

作者: POON 時間: 2004-9-27 16:32:16

點解HSBC堅持話要買 :evil: :evil:

作者: Hello Kitty 時間: 2004-9-27 16:57:34

Poon at present HSBC still didn't have conclusion.
But they want me to buy from them they said if not needed they can refund $$$ to me. I 堅持 not to buy from them. Therefore I need their reply on this issue.
My situation is similar like you. At that time the staff from the branch said that no need to buy fire insurance and checked with Hutchison. Therefore I chose others give-away. When I received the renewal letter for Fire Insurance I called them and negotiated with them. Finally they did the revaluation for me. So that they lowered the premium into half. BUT I still not satified with that I checked with Ming An Insurance. Their premium is 20% less than HSBC. Therefore I told them I prefer buy from other co. All the draft they have been approved. Once they said that not accept our Master Policy I will call Ming An.

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