富强（陈锦鸿 饰）是一名保险经理人，某日，工作的原因令他遇见了名为谷若晞（吴美珩 饰）的银行职员，两人新仇旧恨一起算，闹得很不愉快。没过多久，谷若晞竟然调到了富强所在的公司，两人成为了同事，再加上富强不成器的弟弟富勤（马国明 饰）喜欢上了谷若晞的表妹伍美琪（江芷妮 饰），使得这一对冤家之间的关系犹如水火。

　　行业内的不景气让富强和谷若晞同时想到了“爱情保险”这一别出心裁的主意。在上司的鼓动和同事的怂恿之下，之前被误传有地下恋情的富强和谷若晞决定假戏真做，成为了实验爱情保险的小白鼠。然而天不遂人愿，这一实验最终以失败告终，然而当两人褪去伪装的假面之后，真情渐渐浮出水面。

Bitter rivals KWOK FU KEUNG (CHAN KAM HUNG, SUNNY) and KUK YEUK HEI (NG MEI HENG, MELISSA) have proposed a brand new “Love Insurance Plan” almost simultaneously. To test the feasibility of the proposal, their supervisor makes them take out an insurance policy, under which they will be eligible for the insurance proceeds on the condition that the two of them end up marrying each other. Unfortunately, their plan does not go far enough and turns out to be a total failure eventually.

They come to know and appreciate each other better now that they no longer have to go out for money. Gradually they fall in love and decide to get married. But out of the blue, KEUNG does not turn up on the wedding day…