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Insuring Agreement

This is your Home Insurance Policy and is the evidence of the contract made

between you and us (“Paofoong Insurance Company (Hong Kong) Limited”).

We will insure you during the Period of Insurance at the terms set out in this

Policy in return for your premium payment.

The Schedule, Policy jacket and any Endorsements are part of the Policy.

They show which Sections are in force and contain the details of your

insurance. Read them carefully. You should also pay particular attention to the

Conditions and Exclusions in the Policy, which set out all the circumstances

in which a claim can be made.

The proposal and declaration made by you are incorporated in and form part

of the contract. You must notify us of any change of material information as

soon as possible instead of at the renewal of the Policy since failure to do so

could invalidate the Policy.

Part I – Definitions

Certain words in the Policy have specific meanings as below and are printed

in italics throughout.