Heavy machinery operating on an industrial site at sunset

Engineering & Project Insurance · Business

Machinery
Breakdown

Covers sudden and unforeseen physical loss or damage to machinery, plant and equipment requiring repair or replacement, except for specifically excluded causes. Protection applies while equipment is operating, idle, dismantled, maintained, moved, reassembled or repaired.

Get Covered

Key policy terms

The terms that shape your cover.

Industrial machinery insured against sudden loss or damage

Basis of valuation

Reinstatement / replacement value.

Geographical limits

Uganda.

Excess

10% of all claims, minimum UGX 2,500,000.

Quotation validity

Valid for 30 days from the date of issue, and provisional subject to inspection of the risk to be insured.

Main extensions

Additional protection stated in the document.

Foundation and masonry works

Conveyor belts and chains extension

Underground and overhead machinery and equipment

Wires and non-electric cables

Refractory materials and masonry in industrial furnaces and boilers

Accidental damage to other machinery from unexpected wear and tear

Expediting expenses

Overtime, night work, work on public holidays and express freight

Testing and installation

Removal of debris

Riots, strike and civil commotion

Inundation and silting up

Adjustment of sum insured and premium

Automatic additions and deletion of machinery

Automatic reinstatement of loss

Main exclusions

What is not covered.

Occurrence during installation or erection, other than dismantlement, movement and re-erection

Damage occurring during installation or erection is excluded, except during dismantlement, movement and re-erection.

Road vehicles, water-borne vessels or crafts

Road vehicles and water-borne vessels or crafts are not covered.

Replaceable parts, wear and tear, corrosion, and damage whilst in transit

Replaceable parts, gradual wear and tear, corrosion, and damage during transit are excluded.

Damage while undergoing any test, or while used for a purpose other than that intended

Damage during testing or use outside the machinery's intended purpose is not covered.

War perils, riot, civil commotion and nuclear perils

Loss arising from war, riot, civil commotion or nuclear perils is excluded.

Machinery known to be defective before the loss or damage occurred

Loss involving machinery known to be defective before the damage occurred is not covered.

Wilful neglect

Loss or damage resulting from wilful neglect is excluded.

Expendable items such as glass bulbs, tubes, batteries, cutting edges and conveyor belts

Expendable items such as glass bulbs, tubes, batteries, cutting edges and conveyor belts are not covered.

Claims preparation costs

We support the cost of preparing your claim.

Stated limit

Insurers will pay any amount actually expended by the Insured with their prior consent, limited to the sum stated in the schedule — UGX 5,000,000.

Notifying the Insurer

Notifying the Insurer and giving details of any other insurance covering the same event.

Informing the Police

For a claim involving theft, if required by the Insurer, or loss of property — and taking all practical steps to discover the guilty party and recover the stolen or lost property.

Providing particulars

Providing the Insurer with full particulars of the claim and such proofs, information and sworn declarations as the Insurer may require.

Cooperating with the Insurer

Cooperating with the Insurer, or their nominees on the Insurer’s behalf, in minimising the loss or damage.

Project claims guide

When it matters, we’re here.

Report the incident

Notify us as soon as practicable and take reasonable steps to prevent further loss.
Submit documents

Share the incident details, site records, invoices and supporting evidence.
Assessment and cover review

We assess the claim against the policy terms and advise the next steps.
Repair or settlement

We work to resolve the claim promptly under the policy terms.