Engineering Insurance Equipment Breakdown & Damage Insurance Specification SUD
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1 Engineering Insurance Equipment Breakdown & Damage Insurance Specification SUD Key Facts Summary of Cover This product is designed for mid-market business and provides competitive and essential cover for manufacturing, wholesale, engineering, retail, leisure, service sectors and property owners. This product is supplied and underwritten by HSB Engineering Insurance Limited. Cover is provided for installed machinery and plant and the premises based mobile plant including additional machinery of a similar type purchased by the insured during the course of the policy. Machinery and plant could include air compressors, boilers, lifting tables and fork lift trucks. This Summary of Cover provides a summary of the significant benefits, features and limitations of the cover. The full terms, conditions and exclusions are shown in the policy document, which includes any schedules and endorsements, so please take time to read the policy document to make sure you understand the cover it provides. Your cover is valid for 12 months and is renewable annually. Registration and Regulatory Information This product is administered by Covea Insurance plc, Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales No Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Its Firm Reference Number is This product is supplied and underwritten by HSB Engineering Insurance Limited, New London House, 6 London Street, London EC3R 7LP. Registered in England and Wales No HSB Engineering Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No Inspection Services are provided by HSB Engineering Insurance Services Ltd, New London House, 6 London Street, London EC3R 7LP. Registered in England and Wales No HSB Engineering Insurance Services Ltd are an appointed representative of HSB Engineering Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No You can check a firm s regulatory authorisation and supervision on the Financial Services Register by visiting the FCA s website or by contacting the FCA on
2 Engineering Inspection An Engineering Inspection contract is for the inspection or thorough examination of plant and machinery only. Insurance cover is available for the inspected items of plant and machinery. Inspection is usually requested because there is a statutory requirement for many types of plant and machinery to be inspected at certain intervals, such as every 6 months or 12 months. However, an insured might also ask for other machinery to be inspected even if there is no statutory requirement. Engineering Insurance Summary of Insurance Cover What does the policy cover? Our policy covers the sudden and unforeseen damage and breakdown of equipment on either and individual item or blanket basis. Cover will automatically be provided for any equipment of a similar type purchased by the insured during the course of the policy. What cover does the policy provide? Sudden and unforeseen damage including: Breakdown from internal defects Explosion or collapse caused by internal steam or fluid pressure Accidental damage by extraneous cause Own Surrounding property damage caused by explosion or pressure plant up to 1m Machinery re-siting within the insured s situation All risks cover on equipment whilst temporarily removed for repair service overhaul or maintenance within the European Union or European Free Trade Area The cost of hire of replacement equipment following an insured loss up to 10,000 and all risks cover on said equipment up to a limited of 50,000 per loss Increased costs for replacement of insured property with a greener alternative up to 25,000 or 25% of the amount of the loss whichever is less Emergency services charges up to 10,000 Debris removal costs up to 25,000 or 20% of the amount of the loss whichever is less Clean up costs for insured property affected by hazardous substances up to 25,000 Expediting costs incurred to speed up repair or replacement up to 50,000 or 50% of the amount of the loss whichever is less Costs incurred in taking exceptional measures to prevent or mitigate a loss provided costs are no more than the cost of the loss thereby avoided Engineers fees incurred during repair investigations or tests following an insured loss up to 25,000 in any one period of insurance Where does cover apply? At the situation specified in the policy schedule and whilst temporarily removed for repair service overhaul or maintenance anywhere in the European Union or European Free Trade Area Significant conditions of cover Average for specified schedules of machinery, if the sum insured is understated then the insured will bear a proportion of a loss accordingly Misrepresentation/Fraud attempted fraud or giving false information will result in cover being void
3 What will the policy pay for? In the main, settlement will be on an indemnity basis. However, settlement will be on a new for old basis for: Any pressure plant Other machinery less than three years old at the time of the loss Summary of what s not covered by the Insurance policy? Fire, lightning, explosion (other than as described above) and any other perils normally covered under a standard fire policy unless the item is temporarily removed Damage to machinery during installation and dismantling Damage to safety or protective devices (such as fuses) due to their functioning Damage to tyres caused by cuts bursts or punctures or caused by the application of brakes, other than where caused by malicious act Damage to batteries other than by an extraneous cause Indirect losses Theft or attempted theft unless the item is temporarily removed or on temporarily replacement hire Loss or damage caused by computer virus Wear and tear, although resultant loss is not excluded Loss or damage due to an intentional act or wilful omission by the insured Loss or damage due to acts of terrorism Loss or damage caused by acts of war Loss or damage caused by nuclear/radioactive contamination Loss or damage to airborne/waterborne craft, rig or platform or any property thereon The excess detailed in the policy schedule How to cancel your policy You may cancel the policy, by giving instruction to us at any time. You have a right to cancel the policy during a period of 14 days from the date of purchase of the contract or the day on which you receive your policy documentation whichever is the later. If you wish to do so and the insurance cover has not yet commenced you will be entitled to a full refund of the premium paid. Alternatively if you wish to do so and the insurance cover has already commenced you will be entitled to a refund of premium with a reduction for the period you have been covered subject to a minimum premium of 25 being retained by the company to cover administration costs. If at any other time you choose to exercise your right to cancel your policy then you will be entitled to a refund of premium and tax paid subject to a deduction for the period for which you received cover, we will also deduct a further administration charge of 25. If a claim has been submitted or there have been any incidents likely to give rise to a claim during the current period of insurance no refund will be given for the unexpired period of the contract. In regard to inspection services no refund will be due once the inspection has taken place. To exercise your right to cancel, please contact your broker/intermediary. Note: The Engineering contract will cease if the main policy that it was sold with is cancelled or lapsed.
4 How to make a claim Claims should be notified direct to HSB Engineering Insurance Limited through your Broker or Intermediary, contact details are as follows: The Claims Manager HSB Engineering Insurance Limited Cairo House Greenacres Road Waterhead Oldham OL4 3JA Telephone: +44 (0) Fax: +44 (0) How to make a complaint It is always our intention to provide a first class standard of service. However, we do appreciate that occasionally things go wrong. In some cases your broker or intermediary who arranged the insurance and/or inspection will be able to resolve any concerns and you should contact them directly. If your complaint is in respect of the Insurance cover, claims service or the inspection service you will need to contact HSB Engineering Insurance Limited direct as follows: The Group Operations Manager HSB Engineering Insurance Limited Cairo House Greenacres Road Oldham OL4 3JA Telephone: +44 (0) Fax: +44 (0) complaints@hsbeil.com If your complaint relates to the service you received when setting up the policy, administration of the policy and documentation, please contact us at the following address quoting your policy number: Customer Relations, Covéa Insurance Norman Place Reading RG1 8DA Telephone: customer.relations-rdg@coveainsurance.co.uk Full details of the Covéa Insurance Internal Complaints Procedure are detailed in our leaflet Complaints Procedure which is available on request or may be downloaded from our website If you should remain dissatisfied you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS), for further details they can be contacted at South Quay Plaza, 183 Marsh Wall, London E14 9SR
5 Financial Services Compensation Scheme (FSCS) Covéa Insurance and HSB Engineering Insurance Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to receive compensation from the scheme if We cannot meet Our obligations. Further information is available from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU Covea Insurance plc Norman Place Reading RG1 8DA Telephone: Fax: Registered in England and Wales No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No L169C 10/13
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