This insurance covers loss or damage to the Insured Machinery as a result of Breakdown which is defined as unforeseen damage occurring whilst the Machinery is working or at rest, being dismantled, moved or re-erected for the purpose of cleaning, inspection, repair or installation in another position from the following causes :

• Defective material, design, construction or erection, vibration, maladjustment, misalignment, loosening of parts, abnormal stresses, fatigue, centrifugal force, self heating, insulation, short circuits, open circuits or arcing, failure of protecting, measuring or regulating, devices, failure of or faults in connected machines, water hammer or overheating, except in the case of boilers or similar machinery when followed be explosion.
• Errors, lack of skill, negligence or wilful acts of employees or third parties.
• Falling, impact, collision or similar occurrences, obstruction or the entry foreign bodies.
• Storm, frost or drifting ice.
• Any other cause not specifically excluded.

• Damage due to fire, direct lightning, explosion and other perils which would have been covered under a fire and perils policy. Explosion shall not mean bursting or disruption of turbines, compressors, transformers, oil immersed switchgear, engine cylinders, hydraulic cylinders, fly wheels or other parts subject to centrifugal force, damage resulting from such causes are considered as "breakdown" and covered.
• Breakdown due o imposition of abnormal conditions such as in testing, intentional overloading or experiments.
• Damage caused by third party supplier, contractor or repairer responsible under contract or otherwise.
• Faults or defects known to the Insured or his responsible employees but not disclosed to Insurers at the time of effecting insurance.
• Exchangeable and replaceable parts such as bits, drills, knoves, saw blades.
• Dies, moulds, patterns, blocks, stamps, punches, coatings or engravings on cylinders & roll.
• Loss or damage to foundation and masonry unless specifically insured, operating materials such as fuel, chemicals, filter substances, heat transfer media, cleaning agent, lubricants, oil, catalysts, materials in course of process, tyres by application of brakes or by punctures, cuts or bursts, parts which are subject to wear and tear through usage.
• Repair or replacement necessitated by normal wear, corrosion or other progressive or continuos influence of working or atmospheric or chemical action but not excluding other resultant damage.
• Loss of se or other indirect loss.
• War and kindred risks, civil war, mutiny, civil commotion assuming the proportion of or amounting to popular rising, military rising, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law etc and acts of terrorism.
• Permanent or temporary dispossession resulting from confiscation, nationalisation, commandeering or requisition by any building resulting from unlawful occupation of such building by any person.
• Ionizing radiations or contamination by radioactivity from nuclear fuel or nuclear waste from the combustion of nuclear fuel.
• Nuclear weapons material.

Note: This information is for briefing purpose only. Full detail and conditions of policy cover are contained in VIA's official policy wording.