Machinery breakdown:

Under our ‘Machinery breakdown: Business interruption’ section you can choose to cover:

• Gross profit (difference and additions basis).
• Gross rentals.
• Additional increase in cost of working.

You’re covered against the financial loss your business suffers, as a result of damaged machinery, as long as this machinery is:

• Covered by the king’s ‘Machinery breakdown’ section.
• Noted on your ‘Machinery breakdown’ policy schedule.
• Used by you at the premises, for the purpose of the business.

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.
• Shortage, destruction, deterioration of, or damage to, raw materials, semi-finished or finished products or other materials required for proper operation.
• Restrictions on reconstruction or operation imposed by any public authority.
• The repair or replacement of destroyed or damaged machinery, if you don’t have sufficient capital.
• Mechanical installations.
• The operation of any gazetted law, foreign law directed against SA, economic sanctions, conventions, trade embargoes, boycotts or strikes.

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.
• Your business, due to suspension, lapse, or cancellation of a lease, licence or order.