多謝你用心俾意見我,我唔熟保險,而且唔係我親自同agent 買,係我老公同佢agent 買!只知道佢份保單一年完咗後,冇繼續買,停咗一排先買番。所以當時份保單係咪仲生效,我要佢再check 先知,問親佢,佢咩都唔知,我都好忟!但好肯定係我地今年新年後renew 番份家居保時,我地有問過個agent關於我地滲水問題,佢都冇同我地講有得claim, 只係俾咗個律師電話我,話睇下幫唔幫到我!我會再去了解下。如果保單當時真係未新效,我地唯有去小額錢債。
Anyway, thank you very much !!!