Machinery and equipment insurance
Machinery insurance covers sudden mechanical and electrical breakdown of fixed machinery such as generators, central chillers and production lines, contractors' mobile plant such as cranes and excavators, and it can include spoilage of chilled goods when refrigeration fails. It suits factories, warehouses, hospitals, hotels and contractors in Qatar. At Al Bayan we request offers from several insurers licensed by Qatar Central Bank, prepare the equipment list with you, arrange the policy and follow up claims with the insurer.
In QatarQatar's summer heat puts chillers, generators and compressors under heavy load, so keep maintenance records, as the insurer may ask for them after a breakdown.
- Offers from several licensed insurers, clearly explained
- We prepare your equipment schedule and values with you
- Cover for fixed machinery and mobile contractors' plant
- We follow breakdown claims with the insurer's engineer
Cover at a glance
- Sudden mechanical and electrical breakdown of fixed machinery
- Contractors' mobile plant against accidents and theft on site (policy dependent)
- Spoilage of chilled or frozen stock after an insured refrigeration breakdown (optional)
- Dismantling, repair and transport to the workshop (policy dependent)
- Overtime and express freight for spare parts (optional)
Cover
What is covered
- Sudden mechanical and electrical breakdown of fixed machinery
- Contractors' mobile plant against accidents and theft on site (policy dependent)
- Spoilage of chilled or frozen stock after an insured refrigeration breakdown (optional)
- Dismantling, repair and transport to the workshop (policy dependent)
- Overtime and express freight for spare parts (optional)
What is not covered
- Wear and tear, corrosion and gradual rust
- Consumable parts such as belts, filters and tyres
- Poor maintenance or operation against the maker's instructions
- Faults covered by the supplier's or maker's warranty
- Deliberate power cuts by the public supplier (policy dependent)
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Sudden machine breakdown
- Policy number or a copy of the policy
- Agent's or engineer's report on the cause of breakdown
- Machine maintenance records
- Clear photos of the damage
- Invoices or repair estimates
Damage to or theft of contractor's plant
- Policy number or a copy of the policy
- Clear photos of the damage
- Police report in case of theft
- Purchase invoice or hire contract for the equipment
- Invoices or repair estimates
Spoiled chilled stock
- Policy number or a copy of the policy
- Technician's report on the refrigeration failure
- List of lost or damaged items with estimated values
- Temperature logs, if available
- Clear photos of the damage
Need to make a claim?
Frequently asked questions
How is this different from property insurance?
Property policies usually exclude internal breakdown of machines. Machinery insurance fills that gap and covers the sudden breakdown itself, such as a burnt-out motor or a broken part.
Can I insure hired plant?
Usually yes, if the hire contract makes you responsible for it. Send us the contract and the equipment list so we can request suitable offers.
What value should I insure machines for?
Usually at the cost of replacing it with a similar new machine, including freight and installation. Insuring for less can reduce the claim payment.
Is stock in cold rooms covered?
Deterioration of stock cover can be added for chilled goods spoiled by an insured breakdown of the cooling unit (policy dependent).
Is contractors' plant covered when it is not working?
Usually yes. The policy covers sudden and unforeseen physical loss or damage to the contractor's plant on the work site, whether it is working, at rest or being dismantled for cleaning or overhaul, and while it is re-erected afterwards, with settlement by repair or replacement (policy dependent).