Provides comprehensive coverage against unforeseen causes of breakdown sudden physical loss or damage to plant, machinery, mechanical equipment and its apparatus. Examples of sudden and unforeseen causes include:

	Faulty material, design, construction and erection
	Loosening of parts and defective lubrication
	Short circuits or arching
	Vibration, maladjustment and misalignment
	Carelessness or lack of skill

The sum insured usually represents the current replacement value of the damaged item, including transportation costs, assembly and customs duty.

For additional premium, you can extend this policy to cover additional costs(overtime, express delivery freight rates, etc) incurred because of the breakdown, surrounding property damage from flying debris as well as loss of contents.