1
Mechanical Breakdown
Sudden physical damage caused by internal component failure, fracturing, or mechanical seizure.
Solutions > Machinery Breakdown
Keep Production Running After Sudden Machinery Breakdown
A major machine failure can halt your business operations in minutes. The APA Machinery Breakdown Insurance policy is a specialist engineering cover that protects plant-dependent businesses against the financial exposures of major breakdown
Broad Mechanical & Electrical Cover
Sudden, unforeseen physical damage protection covering operator mistakes, design faults, and short-circuits
Optional Loss of Profits (MBLOP)
Extends financial protection to cover business interruption following an insured machine breakdown
What is Machinery Breakdown Insurance?
A major machine failure can halt your business operations in minutes. The APA Machinery Breakdown Insurance policy is a specialist engineering cover that protects plant-dependent businesses against the financial exposures of major breakdowns. It provides compensation in case of sudden, unforeseen physical damage to insured machinery by mechanical or electrical faults, operator error, or casting defects. Coverage applies while the machine is working, at rest, or during overhaul cleaning.
Highlights
- Covers sudden, unforeseen mechanical or electrical damage.
- Protects machines while working, at rest, or during overhauls.
- Indemnifies cost of spares, technical labor, and import freight.
- Settle total losses based on current machinery market values.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Machinery Breakdown?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Electrical Short-Circuits
Covers electrical damages resulting from short-circuiting, high voltage surges, or insulation failures.
3
Operator Errors & Negligence
Covers physical damage arising from mistakes, lack of skill, or negligence of operating personnel.
4
Manufacturer Defects
Covers faults in construction, casting, material defects, or error in erection of machinery.
5
Lubrication Failures
Covers mechanical damage to engines or gearboxes resulting from sudden blockage of oil feeds.
6
Dismantling & Overhauling
Covers accidental damage occurring during cleaning, inspection, dismantling, or re-assembly.
7
Foreign Object Entry
Covers internal machine damage resulting from ingestion of stones, metal parts, or other foreign matter.
8
Boiler Water Deficiencies
Covers physical collapse or explosion of boilers resulting from low water level errors.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Owners, operators, and industrial firms in Uganda running plant and machinery.
Requirements
Completed machinery proposal, schedule of machine values, and risk inspection survey.
Premium Rating
Evaluated on machine types, physical age, maintenance logs, and location conditions.
Key Exclusions
Wear and tear, chemical explosions, fire, theft, war, and wilful overloading acts.
How to Buy Machinery Breakdown Cover?
1
Submit your machinery types, age, and replacement values via the quote form.
2
Provide your inventory lists, serial schedules, and maintenance log details.
3
Review the premium quotation structured on your engineering risk survey.
4
Confirm proposal details, complete premium payment, and secure your plant operations.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Sudden, unforeseen physical damage to your machinery from causes not specifically excluded — operator error, mechanical and electrical faults, manufacturer's defects, and certain hazards.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
