Machinery breakdown insurance:

• As stated on your policy schedule, inside the refrigeration chamber/s at your premises, from any event not specifically excluded.
• Due to unforeseen physical loss of, or damage to, the machinery specified in and covered by the ‘Machinery breakdown’ section of your policy.
• As a result of contamination by refrigerant, caused by physical damage to the refrigeration installation.
• Due to sudden and unforeseen interruption of the public power supply, at the terminal ends of the supply authority's service feeders at the premises.

Loss or damage of property due to or caused by

• Sudden and unforeseen interruption of the public power supply due to load shedding, a deliberate act by you or a public supply authority, drought or shortage of fuel at any power station.
• Loss (arising within the no-claim period as stated on your policy schedule) of goods stored in refrigeration chambers due to deviation from prescribed refrigeration temperature (with exceptions as stated on your policy schedule).
• Shrinkage, inherent defects or diseases, natural deterioration or natural putrefaction of goods stored.
• Improper storage, damage to packing material, insufficient air circulation, or non-uniformity of temperature.
• Temporary repair of refrigeration machinery without your consent.
• Penalties for delay, consequential loss, damage or any liability.
• Wilful acts or negligence (of you or your representatives).

• Contamination and pollution of wine stock.