請問你地駛唔駛買火險???

vivian

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:

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.

vivian

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

BLUE

[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:

vivian

Blue
我幫襯中國銀行 我不用買!

Hello Kitty

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).

SEVEN

[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 ???

vivian

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!

H and H

[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?

Hello Kitty

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!