This covers unforeseen and sudden damage to the insured plant and machineries from such causes as:-

• Faulty design, construction or erection, vibration, maladjustment, misalignment
• Defective lubrication, loosening of parts, abnormal stress, molecular fatigue, self-help centrifugal force
• Excessive electrical pressure whether due to atmospheric electricity or otherwise
• Shortage of water in boilers, physical explosion tearing apart on account of centrifugal force
• Failure of insulation, short circuit open circuit and arcing
• Failure of connected machinery or protective devices
• Falling, impact, collision etc

The main thrust of this cover is mainly electrical and mechanical breakdown and accident damage to plants and machineries from extraneous causes.

EXCLUSIONS
The exclusions are in three groups

• Those subject of other policies e.g. fire, theft etc
• Those which are uninsurable e.g. wear and tear etc
• Those which when insured demand individual consultants