Machinery Breakdown

What is Machinery Breakdown Insurance

When operating a business that utilizes machines and equipment which can be stationary, mobile and moveable, they could suddenly breakdown either by intense movements, or random particles that may fall into the machines. Now with machinery breakdown insurance you can have the costs of repair or replacement of a machine that has broken down taken care of.

What’s covered

It covers unforeseen and accidental breakdown caused by the following;-

  • Human failure e.g. carelessness, negligence, lack of skills, malicious acts
  • Operational failure e.g. failure of control and regulating devices, physical explosion and implosion, shortage of water, overheating etc.
  • Environmental causes like humidity, dust, high temperatures etc.
  • Electrical failure e.g. short circuit, faulty insulation, over-tension/excessive voltage etc.
  • Natural causes e.g. storm, drifting ice, frost and water.

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Wear and tear
  • Natural catastrophes (Acts of God)
  • Theft, burglary
  • Fire, direct lightning, chemical explosion and other perils. They are covered under a Fire Insurance policy.
  • Consequential loss
  • Willful acts of gross negligence
  • Nuclear risk

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • This insurance policy can be extended cover third party liability, strikes, riots and civil commotion.
  • Machinery Breakdown Loss of Profit: The policy can be extended to include loss of profits following breakdown of machinery

Goldstar claim process

No matter what your worry is, we’re here to help
explain the process, assess your claim fairly
and minimize the disruption to you with a transparent claims process.
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How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
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Other types of insurance cover

All Risks Insurance

The widest cover for properties against loss or damage caused by any accident or misfortune ………….

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Buglary Insurance

Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.

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Electronic Equipment Insurance

Cover your property against loss or damage caused by any accident or misfortune

Read More

2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

Easy Claim

Easy claim procedures with no hassle

Save Your Money

Host of discounts – No claim bonus, Discount for Automobile

Instant Online Policy

Host of discounts – No claim bonus, Discount for Automobile.



How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?


  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft