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MACHINERY BREAKDOWN INSURANCE


This Policy is in respect of unforeseen and sudden damage to any Machinery insured from any accidental cause not specifically excluded while at work or at rest and while being dismantled for the purpose of cleaning, inspection, overhauling or removal to another working position or in the course of these operations themselves or subsequent re-erection.

Exclusions

  • Fire, lightning and explosion (chemical)
  • Deductible
  • Theft, burglary or attempts threat
  • Floods, inundation, earthquake, subsidence, landslide, avalanche, hurricane, cyclone volcanic eruption or similar natural catastrophes.
  • Riot and strike
  • Consequential loss
  • Wear and tear

Exclusions

  • Sums insured
  • Age of the machinery
  • Service and maintenance contract evidence
  • Manufacturers of machinery
  • Source (local or imported) availability of parts, housing. Etc.
  • Claims experience.

Additional Covers

  • Riot and strike
  • Airfreight – limited to 10% of the sum insured - a deductible to apply.
  • Expediting expenses – limited to 10% of the sum insured
  • Surrounding property and Third Party Liability – cover should not exceed 10% of the sum insured under the Material Damage section.

Mandatory Warranties/Clauses

  • Maintenance of electronic components of the insured machinery
  • Inspection and overhaul of boilers
  • Engineering 1 & 2 where boilers are covered.
  • Reinstatement value – can be given but to apply up to 2 years only.
  • Excess/deductible

For assistance, contact our Customer Care teams on 0711-030140 and/or 0711-030105, email customercare@directline.co.ke or visit us at our various branches.

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