Contractor Plant
& Machinery
Covers accidental and sudden physical damage to insured plant and machinery from any cause not excluded by the policy — while operating, idle, dismantled for repairs and maintenance, during reassembly and while commissioning. Cover extends to the plant and its accessories and spare parts, plus protection against third-party liability claims.
At a glance
The terms behind your cover.
Basis of valuation
Market value.
Geographical cover
Uganda.
Excess
10% of claim, minimum UGX 2,500,000.
Quotation validity
Valid for 30 days from the date of issue.
Scope of cover Sudden and accidental
Sudden and accidental
damage to your plant.
Accidental & sudden damage
Physical loss or damage from any cause not excluded by the policy.
Operating or idle
Cover while the plant is at work on site or standing idle.
Repairs & maintenance
Cover while dismantled for repairs and routine maintenance.
Reassembly & commissioning
Cover during reassembly and while the plant is being commissioned.
Accessories & spare parts
Cover extends to the plant's accessories and spare parts.
Third-party liability
Protection against third-party liability claims arising from the plant.
All seventeen extensions
stated in the document.
Every extension listed in the source product information is retained below. Their operation remains subject to the issued policy wording.
Plant hired and/or loaned out
Covers plant that is hired to you or loaned out to others.
Cover of consumables and exchangeable parts and tools
Extends to consumables, exchangeable parts and tools.
Cover for underground machinery and equipment
Covers machinery and equipment while working underground.
Storage anywhere within Uganda
Covers the plant while in storage anywhere within Uganda.
Inland transit
Covers the plant while in transit by road within the country.
Expediting expenses
Extra costs to speed up repairs or replacement — up to UGX 5,000,000.
Payment on account
Interim payments on account while a claim is being settled.
Claims preparation costs
Costs of preparing and presenting a claim — up to UGX 5,000,000.
Cross liability
Treats each insured party as separately insured for liability.
Riots, strike and civil commotion
Damage caused by riots, strikes and civil commotion.
Earthquake, flood, storm, inundation, volcanic eruption, landslide and other convulsions of nature
Cover extended to these natural catastrophe perils.
Explosion, bush fire and subterranean fire
Cover extended to explosion, bush fire and subterranean fire.
Terrorism exclusion clause
Sets out how terrorism is treated under the policy.
Full replacement value
Claims settled on a full replacement-value basis.
Automatic coverage
Automatic cover for newly acquired plant, subject to terms.
Automatic reinstatement
Restores the sum insured after a loss, where the policy allows.
Cancellation after 30 days
The policy may be cancelled on 30 days' notice.
Main exclusions
What this policy does not cover.
The stated deductible
The deductible stated in the schedule, borne by the Insured in any one occurrence.
Electrical or mechanical breakdown
Breakdown, failure, breakage, freezing of coolant or defective lubrication.
Boiler or pressure vessel explosion
Explosion of any boiler or pressure vessel.
Road vehicles and watercraft
Road vehicles, waterborne vessels or craft.
Wear, tear and transit
Replaceable parts, wear and tear, corrosion, and damage whilst in transit.
Testing or misuse
Damage during a test, or while used other than as the item was designed for.
War and nuclear risks
War, invasion, hostilities, nuclear reaction, radiation or contamination.
Wilful act or negligence
Wilful act or wilful negligence of the Insured or their representatives.
Claims process
How a claim works.
- 01
Report the incident
Notify us as soon as practicable and take reasonable steps to prevent further loss.
- 02
Submit documents
Share the incident details, site records, invoices and supporting evidence.
- 03
Assessment and cover review
We assess the claim against the policy terms and advise the next steps.
- 04
Repair or settlement
Once approved, repairs or settlement follow the policy terms.
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Related protection
Protection that can work alongside this policy.
Fire & Special Perils
Cover for damage to property caused by fire, floods, and other natural perils.
Learn More
Road Risks
Cover for accidental damage or injury to third parties on the road.
Learn More
Business Interruption
Recover lost profits and operating costs after insured damage.
Learn More
