In the event of machine failure

Broad scope of machine protection in case of failure - regardless of the cause
Machine failure insurance 
Benefits for your company

What does machine failure insurance provide? 

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Mechanical failures
standard scope
Electrical damage
standard scope
Foreign body
standard scope
Machine operator error
standard scope
Malfunction of control devices or protection devices
standard scope
Design, construction and production errors
standard scope
Protection during inspections, maintenance and repairs
standard scope
Transportation of machinery
Assembly of machines
Loss of profits
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You have great goals, unique talents and the courage to put your plans into action. The build-up phase also puts you in front of many new tasks, making time more precious than ever
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Because pressing issues such as financial planning, business registration, appointments with the tax consultant and the first measures to implement the business idea you take advantage of
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Allianz supports you exactly here: by choosing a suitable product for you, you have the peace of mind

Frequent questions about machine failure insurance

We have developed the machine failure insurance for the sector of large business entities which have company property insurance with Allianz or want to conclude an independent machine failure insurance with the sum insured above PLN 1 million. This condition does not apply to wind farms and hydroelectric power plants, which we accept for insurance regardless of the sum.

The insurance is addressed primarily at manufacturing and service companies which have machinery resources and keep full or simplified accounting books.

The information necessary to conclude an insurance contract is determined at the risk analysis stage by the underwriter.

In order to conclude an insurance contract, we need, among others, the following details:

  • list of machines and equipment to be insured together with age and insurance sum determined according to replacement value,
  • description of the method of management of the machinery resources, including: the technical condition of the machines, the adopted concept of maintenance and ways of maintaining the machines,
  • damage history for at least the last 3 years.
Valuation of the cost of insurance requires a professional risk assessment. The price of insurance is determined individually depending on the scope of insurance, type of machines, their age and technical condition, method of maintenance and other factors that affect the risk - we also take into account past claims.
The amount of deductible or deductible franchise is determined individually. It depends on factors taken into account in the risk assessment. Usually the deductible amounts to 10% of the damage value - not less than PLN 3000. In individual cases, we can set a different amount of deductible franchise – according to the level of risk.

Today, most machines contain electronic components that control or monitor the device. Therefore, it is often difficult to determine which type of insurance should be used. It is generally accepted that machine insurance should be applied to machines and equipment where mechanical components predominate.

It is possible to insure electronic equipment under the terms of machine insurance and it will not result in a lack of protection. However, from an insurance point of view, items containing mainly electronic components should be insured as electronic equipment.Nie. Takie zdarzenia są wyłączone z ochrony ubezpieczeniowej.

No. Such events are excluded from the insurance coverage.
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In our archive you will find, among others, forms to help you submit an order, general T&Cs of insurance and documents related to investment funds.
This material is for informational purposes only, it is intended to provide a general outline of the nature and scope of the aforementioned insurance and does not constitute an offer within the definition of Article 66 § 1 of the Civil Code. The detailed scope and terms and conditions of the abovementioned insurance are regulated by the general terms and conditions of insurance with attachments (available in the Documents for Insurance tab), in which you will find provisions concerning, among others, premiums, scope of insurance, limitations and exclusions of liability of TUIR Allianz Polska S.A.  and the conditions of payouts and rules for calculating insurance benefits.