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
Other types of insurance cover

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Buglary Insurance
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Electronic Equipment Insurance
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FAQ's
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?
Tips
- 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