Comprehensive Equipment Insurance Solutions

Our comprehensive coverage includes accidental damage, theft, fire, natural disasters, third-party liability, operator injury, breakdown coverage (optional), and transportation damage. You can choose between comprehensive coverage or third-party only coverage depending on your needs and budget. All policies include 24/7 emergency assistance.

Insurance premiums vary based on equipment type, age, value, usage environment, and coverage level. Typically, comprehensive coverage costs 1.5-3% of equipment value annually, while third-party only coverage is significantly cheaper. We work with multiple insurance providers to find you the most competitive rates available.

Yes, comprehensive insurance is required for all equipment purchased through hire purchase or loan financing. This protects both you and the financier from total loss. The insurance must remain active throughout the financing period, and you must be listed as the beneficiary alongside the financier.

Contact us immediately when an incident occurs. We'll guide you through the claims process: (1) Report the incident within 24 hours, (2) Provide photos and documentation, (3) Complete claim forms, (4) Adjuster inspection (if required), (5) Claim approval and payment. Our team assists throughout to ensure smooth, fast processing.

Yes, we can insure used equipment up to 15 years old, subject to condition assessment and valuation. Older equipment may require inspection before coverage is granted. Premium rates may be slightly higher for older machinery, and coverage limits may be based on current market value rather than replacement cost.

Claim rejections typically occur due to policy exclusions, non-disclosure, or preventable negligence. If your claim is rejected, we'll help you understand the reason and explore appeal options. We work with insurance companies to advocate for our clients and ensure fair treatment in all claims situations.

Yes, you can cancel your policy, but for financed equipment, you must immediately replace it with equivalent coverage. For fully-owned equipment, cancellation is allowed with proper notice. You may receive a pro-rated refund of unused premiums, subject to the insurance company's terms and conditions.

Standard policies typically exclude damage from intentional misuse or gross negligence. However, accidental operator errors during normal operation are usually covered. We recommend proper operator training and following manufacturer guidelines to maintain coverage validity and avoid claim disputes.

Simply contact us at 017-570 0889, WhatsApp, or fill out our online form. Provide equipment details (type, brand, model, year, value) and we'll get you quotes from multiple insurance providers within 24 hours. Our service is free, and we help you choose the best coverage for your needs.