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This policy covers losses due to sudden and unforeseen causes. This includes the following:

Mechanical and electrical breakdown of equipment caused by:

• Mechanical or electrical deficiencies
• Faulty material or design
• Implosion
• Short-circuiting or over voltage
• Lightning, inclusive of included travelling waves, magnetic fields or electrostatic inductions which are not covered by a manufacturer’s warranty or a maintenance contract

Electronic equipment affected by unforeseen causes

• This comprises of mechanical and electrical breakdowns.

Items affected in the course of being dismantled for cleaning

• This includes overhauling or shifting within the premises, in the course of operations or during subsequent re-erection.

Note:
Coverage can be extended to external data media e.g. tapes and disks

Benefits

Material Damage

Covers all hardware installation including peripheral equipment and accessories.

External data media

Covers external data media i.e. disc, tape, etc.

Increased cost of working

Covers the cost of replacement equipment following material loss or damage.

This list is non-exhaustive. Please refer to our policy contract for the full list of exclusions under this policy.

✖ War, civil war and any act of terrorism.

✖ Radioactive and nuclear energy risks.

✖ Willful acts or willful negligence.

✖  Wear and tear.

✖  The responsibilities of a contractor, supplier and repairer.

✖  Failure or interruption of gas, water or electricity services.

✖  Aesthetic defects.

✖  Consequential loss and liability of all kinds.