Machinery breakdown

You’re covered against unforeseen and sudden physical damage to your property (caused by an incident which isn’t specifically excluded), while it’s on the premises.

This damage must occur while the machinery is at work or at rest, or being dismantled or re-erected for the purpose of cleaning, inspection, repair, overhaul, removal to another position within the premises, or in the course of these operations.

The damage must also be caused by, but isn’t restricted to:

• Defects in casting or material.
• Faulty design.
• Faults at workshop or in erection.
• Bad workmanship, lack of skill or carelessness.
• Shortage of water in boilers.
• Physical explosion.
• Tearing apart on account of centrifugal force.
• Short circuit.
• Any other cause not specifically excluded.

Loss or damage to property due to or caused by

• Incidents which are covered under the king’s ‘Fire’ section.
• A supplier, contractor or repairer.
• Faults or defects which you knew of.
• Wear and tear, cavitation, erosion, corrosion, rust or boiler scale.
• The misapplication of tools or from experiment, overhauls or tests requiring the imposition of abnormal conditions.

As well as loss, or damage to

• Exchangeable tools or parts that by their use or nature suffer a high rate of wear and tear.
• Objects made of glass, belts, ropes, wires, rubber tyres, and operating media.