1. About Looper / 關於 Looper

Looper Insurance Agency Limited (“Looper”, “we”, “us”) is a licensed insurance agency authorised by the Hong Kong Insurance Authority (licence no. GA1034). We are appointed by the insurers we represent and act as their agent, not as your broker, in arranging general insurance. A list of the insurers we represent is available on request. We are not an insurer: the insurer underwrites your policy and decides any claim. The insurer for your cover is named in your quotation, policy schedule or cover note.

2. General information only / 一般資訊

Articles, guides, claims guides, product summaries and FAQs on this website, including the Insurance Wiki and the Claims Centre, are general information only. They do not take account of your particular circumstances and are not a substitute for advice or for the policy wording. If a summary or brochure differs from the policy wording, the policy wording prevails. Please contact us before making a decision based on this information.

3. Online quotes are indicative / 網上報價只屬指示性

Premiums shown by our online quotation tools are indicative estimates calculated from the information you enter. They are not a binding quotation, an offer of insurance or confirmation of cover. The final premium, excess, terms and acceptance are decided by the insurer after underwriting, and may differ if any information changes or needs to be checked. Where a product has no instant quote, we will reply to your enquiry.

4. Applications and when cover starts / 投保申請及保障生效

You do not need to pay when you submit an online application, and submitting an application does not put any cover in force. Each application is reviewed by a licensed Technical Representative of Looper and is subject to the insurer’s acceptance. We will contact you, normally within one working day, to confirm your details and arrange payment. Cover starts only from the effective date confirmed in your policy, cover note or our written confirmation, after the insurer has accepted your application.

5. Your duty of disclosure / 如實披露

You must give complete, accurate and up-to-date information and disclose every fact that could affect the insurer’s decision to accept the risk or the terms it offers. This duty applies until your cover starts, and again at renewal and whenever you ask to change your policy. If you do not meet it, the insurer may be entitled to change the terms, decline cover, or reduce or refuse a claim, as the policy and the law allow. Please check every detail before you submit, including any details filled in for you from a document you upload.

6. Information about other people / 其他人的資料

If you give us personal data about another person, such as a named driver, a travelling companion or your domestic helper, you confirm that you are authorised to do so and that you have told that person how their data will be used, as set out in our Personal Information Collection Statement and Privacy Policy.

7. Saved applications / 儲存申請

Some forms let you save an application and continue later using a link sent to your email address. The link stops working after 7 days, and the saved application is then deleted. Anyone who has the link can open your saved application, so please do not share it. Uploaded identity documents are not kept with a saved application and will need to be uploaded again. Our home, travel and domestic helper application forms also keep what you type in your browser on your own device, and restore it if you return within 7 days; declarations and uploaded documents are not kept there, and it is cleared when you submit. On a shared device, clear your browser data, or press 清除並重新填寫 (clear and start again) when the restored details appear.

8. Premiums, levies and payment / 保費、徵費及付款

Premiums are shown in Hong Kong Dollars (HKD). Each quotation states whether the Insurance Authority levy and any other levy, such as the Motor Insurers’ Bureau levy, is included or charged in addition. Some limits of cover, for example for cross-boundary motor insurance, are stated in Renminbi (RMB). Promotional discounts shown on this website are subject to their stated conditions and the insurer’s acceptance, and may change or end without notice. Payment methods and deadlines are confirmed when we arrange your cover. Please pay only into the Looper company account or the insurer account named in our written payment instructions. We will never ask you to pay into a personal account.

9. Changes, cancellation and refunds / 批改、取消及退款

Changes to a policy, cancellation and any refund of premium are subject to the insurer’s policy wording, including any cooling-off period that applies. Please send change or cancellation requests to us in writing. Changes and cancellations take effect as set out in the policy wording and as confirmed by the insurer, and we will confirm them to you in writing. Any refund is paid after the insurer has confirmed it.

10. Claims / 索償

Claims are decided by the insurer under the policy terms. We can help you prepare and submit a claim and follow it up with the insurer, but we cannot promise that a claim will be accepted or how much will be paid. Please tell us as soon as possible after an incident and keep all relevant documents and evidence, because late notice may affect your claim.

11. Intellectual property / 知識產權

All content on this website, including text, images, logos and quotation tools, belongs to Looper or its licensors. You may share links to our pages, but you may not copy, republish or use our content for commercial purposes without our written consent.

12. Third-party links / 第三者連結

Links to insurer documents, government resources and other third-party websites are provided for convenience. We are not responsible for their content or availability.

13. Limitation of liability / 責任限制

We aim to keep this website accurate and available, but we do not guarantee that its content is complete or current, or that the website will be available without interruption. To the extent permitted by law, Looper is not liable for any indirect or consequential loss arising from your use of the website or your reliance on general information or indicative figures on it. Nothing in these terms excludes any liability that cannot be excluded under Hong Kong law, or affects our obligations as a licensed insurance intermediary.

14. Changes to these terms / 條款修訂

We may update these terms from time to time. The version on this page applies from the date shown above. A policy already issued continues to be governed by its own policy wording.

15. Governing law / 適用法律

These terms are governed by the laws of the Hong Kong Special Administrative Region. If there is any inconsistency between the English and Chinese text on this page, the English text prevails.

16. Complaints and contact / 投訴及聯絡

If you have a question or a complaint about our service, please contact us and we will respond as promptly as we can. If you are not satisfied with our response, you may also complain to the Insurance Authority.

Looper Insurance Agency Limited (GA1034), Unit 11, 3/F, Block B, Po Lung Centre, 11 Wang Chiu Road, Kowloon Bay, Hong Kong. Email cs@looperin.com. Tel / WhatsApp 2633 6813.