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   Machinery Insurance
Machinery Insurance covers sudden and unforeseen damages to machinery due to accidents, fire, collision or any other physical damage (as per policy conditions).

Machinery Insurance was developed to grant industry effective insurance cover for plant, machinery and mechanical equipment at work, at rest or during maintenance operations. By its very nature, machinery insurance is all risks "accident" insurance for machinery supplementing the coverage afforded by fire insurance. Thus it covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement.

Loss or damage covered under machinery insurance is mainly due to one of the following causes:

  • Faulty design
  • Faults at workshop or in erection
  • Defects in casting and material and manufacturing
  • Faulty operation, lack of skill, negligence, malicious acts
  • Tearing apart on account of centrifugal force
  • Physical explosion, flue gas explosion in boilers
  • Electrical causes such as short circuit
  • Shortage of water in boilers
  • Storm, frost, drifting ice
Main Exclusions
This policy does not cover the following loss and damages to:
  • Exchangeable tools, e.g. dies, moulds, chains, bearings, engraved cylinders
  • Parts which by their use and / or nature suffer a high rate of wear or depreciation, e.g. belts, ropes, wire, crushing hammers, object made of glass, rubber tyres
  • Operating media e.g. fuels, catalysts, refrigerant liquids, gases, solids, and semi solids
  • Loss or damages due to fire
  • Loss or damages due to direct lightning
  • Loss or damages due to chemical explosion (except flue gas explosion in boilers)
  • Loss or damages due to aircraft or other aerial devices or article dropped there from
  • Loss or damages due to theft, burglary or attempts there at
  • Loss or damages due to collapse of buildings, flood, inundation, earthquake, subsidence, landslide, avalanche, hurricane, cyclone, volcanic eruption
Other Products Available
  • Boiler and Pressure Vessels Insurance
  • Loss of Contents following Machinery Breakdown
  • Contamination of Contents following Machinery Breakdown
  • Loss of Profit following Machinery Breakdown
Premium Payment Procedure
Usually premium is paid through cheque or demand draft addressed to Adamjee Insurance Company Limited to it's designated offices anywhere in Pakistan and UAE.

Claim Reporting Process
Essential documents for lodging claim:

  • Duly filled-in, signed and stamped Claim Form
  • Incident report
  • Provision of a valid policy document covering the damaged asset
  • Police report (F.I.R.) for theft/ burglary cases
Defects in documents affecting claim:
  • Delay in intimating the claim
  • Non-provisions of claim form
  • Wrong description of item affected / damaged
  • Non provision of bills
  • Non provision of F.I.R. in case of theft / burglary
  Toll Free : 0800-00-242
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