Falcon Insurance Company (Hong Kong) Limited is a wholly owned subsidiary of Fairfax Financial Holdings Limited (www.fairfax.ca), a financial services holding company with its corporate headquarters in Toronto, Canada.

Fairfax is listed on the Toronto Stock Exchange under stock symbol "FFH". Its assets exceed US$35 billion (HK$270 billion). Through its subsidiaries, Fairfax is engaged in Property & Casualty, insurance and reinsurance and investment management.

In 1998, Fairfax launched its direct insurance presence in Asia with the establishment of Falcon Insurance in Hong Kong. Through acquisitions and organic growth, Falcon Insurance Company (Hong Kong) Limited now ranks amongst the territory's major general insurance companies, numbering amongst its client base many of Hong Kong's leading corporations.

Falcon's rating from Standard and Poors is A-.

As per the Motor Vehicles Insurance (Third Party Risks) Ordinance issued by the Hong Kong SAR Government, a motor vehicles user on the road must insure his / her liability for death or bodily injury of third parties.

Three common types of car insurance exist:

  • Act Only Insurance - covers only third party bodily injury and death. This is the minimum insurance requirement for any car to be allowed to run on the road
  • Third Party Liability Insurance - covers third party property damage in addition to the minimum legal requirements for third party bodily injury and death
  • Comprehensive Motor Insurance - covers any accidental loss or damage to the car and all the third party losses Falcon insurance offers a comprehensive package policy - CarProtect for your vehicles. CarProtect offers a wide range of benefits to help you protect yourself, your passengers and your car from the risks of being on the road. We cover third party liability (TPL) for bodily injury and / or death as required by law, loss or damage to the vehicle insured, personal accident cover for owner / driver.

Below is a comparison of the different cover available in Falcon's CarProtect

Coverage Third Party Comprehensive
Legal Liability for Third Party bodily injury Yes Yes
Legal Liability for Third Party Property Yes Yes
Loss or damage to motor car Yes
Medical expenses Yes
24 Hour Traffic Regulation Assistance Yes Yes
24 Hour General Claims Assistance & Enquiry Yes Yes
No Claims Discount Protection Yes
New for Old' Replacement Vehicle Yes
Free Windscreen Cover Yes
24-Hour Emergency Roadside Assistance Yes
24-Hour Emergency Towing Assistance Yes

Falcon CarProtect forms

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Falcon Individual Medical Plan: WinBloom Health

Key features:

  • Three different levels of hospitalization cover: Private Room, Semi-Private Room and Ward
  • Free choice of hospitals and doctors
  • Lifelong cover up to age 100 Guarantee renewable *
  • Easy to enrol; no medical examination required
  • Full Refund for Hospital Special Services Fee
  • Separate coverage for Cancer Treatment and Renal Dialysis
  • Special coverage for Medical Appliances Companion Bed for Child
  • Hospital Cash for General Ward of Public Hospitals
  • Optional Supplementary Major Medical Benefit
  • 5% Family Cover Discount on the first year total premium
  • No Claim Renewal Discount
  • Cooling-off period of 7 days

* The Policy may be renewed annually during the lifetime of the Insured provided this cover continues to be available.

On any Policy Anniversary Date or renewal, Falcon has the right to revise the premium and the policy terms & conditions by giving a 30-day prior written notice.

Eligibility: Any Hong Kong resident aged 18 to 64 with HKID card, his/ her legal spouse and unmarried children aged 15 days to 17 years or 23 years (if full-time student).

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Key Benefits of Falcon's Win Home insurance policy:

Win Home cover comes with 2 sections:

  • Home Contents 'All Risks' Protection
  • Occupier and Personal Liability Protection

In addition, there are 2 other optional covers:

  • Building Protection
  • Worldwide All Risks Personal Belongings Protection

Summary of Cover

Part A - Basic Cover Home Contents 'All Risks' Protection:

This section offers an 'All Risks' Protection to the contents, including valuable items and cash in your home. What's more, you'll enjoy the following FREE Extensions under this Section:

  • Temporary Accommodation: for when your home becomes uninhabitable due to an accident
  • Fatal Accident Benefit: for deaths caused in your Home by fire or thieves
  • Occupier and Personal Liability: This Section covers you and your family members' legal liability in Hong Kong as well as temporarily in the world for up to HK$5,000,000 per occurrence.

Additional Benefit:

Win Home also provides Complimentary Referral Services for you so that you'll have access to help in case of emergency. The 24- hour Home Assistance Hotline Services is provided by IPA and its services include:

  • Baby - sitting / Nursing Assistance
  • Locksmith Referral Electrical Referral
  • Pest Control / Cleaning Services Referral
  • Domestic Helper Enquiry
  • House Call / Dental Referral
  • Plumbing Referral

Remarks: You have to be responsible for the charges of all services being provided.

Part B - Optional Covers

Buildings Protection: This Section offers an 'All Risks' protection on walls, ceilings, windows and other domestic structure of your home on a 'new for old' basis.

Worldwide All Risks on Personal Belongings Protection: This Section provides a worldwide cover for your personal belongings and valuables against loss or damage by fire, theft and other accidental means up to HK$150,000 per policy.

Win Helper provides:

  • Employer's Liability with maximum indemnity up to HK$100,000,000
  • Up to HK$2,000 of Clinical Expenses
  • Up to HK$20,000 of Surgical and Hospitalisation Expenses
  • Up to HK$1,500 of Dental Expenses
  • Up to HK$100,000 of Personal Accident
  • Up to HK$20,000 of Emergency Medical Assistance

We do not recommend this product on account of its relatively low levels of medical benefits, plus the fact it has a 15 day waiting period for medical claims and importantly provides no cover for a helper who may accompany you on a trip overseas.

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Falcon offers a range of business insurance policies:

  • Business Interruption: Business Interruption Protects you from the loss of earnings due to an interruption.
  • Contractors' All Risk: Contractors' All Risk Covers from losses - whether physical or liability-related.
  • Contractors' Liability: Contractors' Liability Covers injuries or damages to the third party or their property.
  • Electronic Equipment: Electronic Equipment Cover physical damages to your electronic equipment.
  • Employees' Compensation: Employee Compensation provides cover if you are found liable to compensate employees should they sustain injury or die.

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  • Fire: Fire Covers against loss or damage to property caused by fire.
  • Group Medical:

Main features

A choice of 3 plans with Hospitalization Benefits and optional Outpatient Benefits
Pre-set Premium Rate Table ready for budgeting
Simple administration procedure
24 hours Worldwide Cover
Free choice of hospitals and doctors
Dependant coverage available

Key Benefits

  • Pre-existing illnesses or injuries; pregnancy
  • Routine physical examination; vaccination; dental examination and treatment; cosmetic or plastic surgery
  • Treatment relating to vision or fitting of glass
  • Treatment relating to birth defects and congenital illnesses
  • Prosthetic appliances such as artificial limbs and hearing aids
  • Treatment of mental illness
  • Self-inflicted injury, abuse of alcohol, drug addiction or sexually transmitted diseases
  • AIDS or AIDS-related complex syndrome
  • Professional sports; rest cures
  • Sickness or injury resulting from war, strike, riot, civil commotion, any criminal act or terrorism
  • Employee (upon completion of probation period) and legal spouse aged between 16 and 64.
  • Employee's unmarried child aged between 14 days and 18 years or 22 years for full-time student.
  • If the number of employees is 10 or below, medical health statement has to be completed by each insured person for individual underwriting.
  • The minimum group size is 5 employees.
  • Hospitalization Benefits:
    1. Room & Board

    2. In-hospital Doctor Visits

    3. Hospital Special Services

    4. Surgical Benefits

    5. In-hospital Specialist Visits
  • Outpatient Benefits (Optional with 80% or 100% reimbursement)
    1. General Doctor Consultation

    2. Specialist Consultation

    3. Diagnostic Laboratory Tests

    4. Chinese Herbalist/Bonesetter/Acupuncturist Treatment

    Group Medical Documents


  • Machinery Breakdown: Machinery Breakdown covers losses due to equipment breakdown.
  • Marine Cargo: Marine Cargo Worldwide claims network with expertise in claim handling.
  • Money Insurance: Money Insurance provides cover for loss of money in transit where the chief risk is theft
  • OfficeProtect: OfficeProtect is a package policy covering contents, liability, employees' compensation etc for office and shop risks
  • Plant & Machinery: Plant & Machinery cover protects against any unforeseen & sudden physical loss or damage to plant and machinery.

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong