Machinery Breakdown Insurance
Machinery Breakdown Insurance protects businesses against sudden and unforeseen physical damage to insured machinery and equipment caused by specified mechanical or electrical breakdown events.
For businesses that depend on machinery, equipment failure can result in costly repairs, production delays and interrupted operations.
This insurance helps minimise the financial impact of covered machinery breakdowns and supports faster operational recovery.
Get A QuoteBenefits Of Machinery Breakdown Insurance
Repair And Replacement Costs
Covers eligible costs of repairing or replacing insured machinery following covered breakdowns.
Mechanical And Electrical Breakdown Protection
Provides cover against specified sudden mechanical or electrical failures.
Operational Recovery
Helps businesses restore damaged equipment and resume operations with minimal disruption.
Business Interruption Options
Loss of profits or increased working costs may be covered under a separately arranged machinery breakdown business interruption extension.
Asset Protection
Safeguards valuable machinery investments against specified unforeseen breakdown risks.
Common Causes Of Machinery Breakdown
Machinery Breakdown Insurance typically responds to sudden and unforeseen events such as:
- Electrical or mechanical failure of motors, generators, compressors and production equipment.
- Short circuits, power surges and voltage fluctuations causing internal damage.
- Operator error leading to sudden physical damage to the machine.
- Centrifugal force, overheating or defective materials causing internal breakdown.
- Standard exclusions include wear and tear, gradual deterioration, corrosion and damage covered under a fire or property policy.
How Machinery Breakdown Insurance Works
Identify Your Machinery
We review your key plant and equipment — production lines, generators, HVAC systems, lifts and other critical assets.
Value Each Item
Each machine is insured at its replacement value to avoid under-insurance at claim time.
Select Your Cover
Choose between breakdown-only cover or add business interruption and surrounding property extensions.
Report A Breakdown
When a covered breakdown occurs, notify Wysline and the insurer. An assessor inspects the damage and approves eligible repairs.
Repair And Resume
The insurer meets the eligible repair or replacement cost and any covered consequential losses, so you can get back to full production.
Who Needs Machinery Breakdown Insurance?
Manufacturers And Factories
Protecting production lines, presses, CNC machines and industrial equipment against sudden breakdown.
Hospitals And Healthcare Facilities
Covering diagnostic machines, imaging equipment, theatre equipment and essential medical devices.
Hotels And Hospitality
Protecting commercial kitchens, laundry equipment, HVAC systems, lifts and generators.
Commercial Property Owners
Covering lifts, escalators, boilers, air-conditioning systems and backup generators.
Agricultural Processors
Protecting milling, drying, sorting and packaging equipment used in food and agricultural processing.
Engineering And Construction Companies
Covering specialised plant and equipment used on projects and in workshops.
Frequently Asked Questions
What is Machinery Breakdown Insurance?
Machinery Breakdown Insurance protects businesses against the cost of repairing or replacing machinery and equipment that suffers sudden and unforeseen physical damage from mechanical or electrical breakdown.
Does Machinery Breakdown Insurance cover wear and tear?
No. Standard policies exclude wear and tear, gradual deterioration, corrosion and routine maintenance issues. The cover is designed for sudden and unforeseen breakdowns, not expected ageing of equipment.
Can I add business interruption cover?
Yes. A machinery breakdown business interruption extension can be arranged to cover loss of profits and increased working costs while damaged equipment is being repaired or replaced.
Does this cover electrical equipment like generators?
Yes. Generators, transformers, switchgear and other electrical equipment can be insured against sudden electrical or mechanical failure, subject to the policy terms.
How are claims settled?
The insurer appoints an assessor to inspect the damaged machinery, verify the cause of breakdown and approve eligible repair or replacement costs. Settlement is based on the cost of restoring the machine to its working condition before the breakdown.
Is Machinery Breakdown Insurance the same as fire insurance?
No. Fire insurance covers damage from fire and other specified perils. Machinery Breakdown Insurance covers internal mechanical and electrical failures that are typically excluded from fire policies. Businesses that rely on machinery often need both.
Get A Machinery Breakdown Insurance Quote
Your machinery drives your business. Protect it against unexpected breakdowns that could halt production and drain your finances. Request a quotation from Wysline Insurance Agency.
Cover, limits, extensions and exclusions vary by insurer and are subject to underwriting acceptance and the policy terms and conditions. Speak to Wysline Insurance Agency for a quotation tailored to your machinery and equipment.