Contractor's Plant & Machinery承包商机械设备险
Covers your excavators, cranes and other site plant against accidental damage.保你的挖土机、吊车等工地机械，遇到意外损坏。
All-risks cover for construction plant and machinery entered in the schedule — sudden, unforeseen physical loss or damage from any cause not excluded, whether working, at rest, or being dismantled and re-erected, once successfully commissioned. It runs year to year, across all your sites in the area on your schedule.附表列明的施工机械设备的全险：任何没列明除外的突然、意外实物损失都赔，不管在开工、停放、或拆装中（机器要先成功试运转过）。按年投保，附表列明地区内所有工地都保。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Accidental damage at work开工时的意外损坏
- Damage while at rest停放时的损坏
- During dismantling and re-erection拆装期间
- Theft — report to the police被偷 —— 要报警
- Plant on one project → can go on that CAR schedule只用在一个工程的机械 → 可列进该工程 CAR
- Road vehicles → motor policy上路车辆 → 车险
- The machine breaking down by itself机器自己故障
- Blades, tyres, ropes, batteries刀片、轮胎、钢索、电池
- In transit, unless endorsed运送途中（没批注就不保）
- Underground or in tidal water地底作业、潮水浸泡
What's covered基本保障
Within the location or area on your schedule.附表列明的地点或地区之内。
Accidental damage意外损坏
Sudden, unforeseen physical damage from any cause not excluded.任何没列明除外的突然、意外实物损坏。
Theft被偷
Report it to the police.要报警。
Dismantling & re-erection拆装
While being dismantled for cleaning or overhaul, and re-erected.为清洁、大修而拆开，再装回去的期间。
Damage a breakdown causes故障引起的外部损坏
If a breakdown leads to an accident with outside damage, that damage is covered.机器故障引发意外、造成外部损坏，那部分照赔。
How a claim is paid出事时怎么赔
Read this before you set the sum insured.定保额之前先看这段。
Cost to restore it to working order, including dismantling, re-erection and freight. No depreciation on new parts.修回原状的费用，包括拆装和运费。换上的新零件不扣折旧。
Replacement value minus proper depreciation, less salvage.换新价扣掉合理折旧，再扣残值。
Sum insured = a new machine of the same kind and capacity, including freight, duties and erection. Insure for less and claims are cut in proportion, item by item.保额 = 同类、同规格新机器的价钱，包括运费、税和安装费。保不够的话，每一件都按比例赔。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
After a loss出事后
- Immediately马上Phone and write to the insurer. Take steps to limit the damage.打电话并书面通知保险公司，尽量控制损坏。
- Theft? Police too被偷要报警Report theft or burglary to the police.被偷、被闯入，要报警。
- Keep the damage留着现场Keep damaged parts for inspection. Minor damage can be repaired after you notify; anything bigger waits for the insurer.损坏的部分留给保险公司检查。通知后可以先修小损坏，大的要等保险公司来看。
- 14-day limit14 天期限Not notified within 14 days? Not paid.超过 14 天才通知，不赔。
The machine breaking down by itself isn't covered — only sudden, accidental damage.机器自己坏掉不赔，只赔突然的意外损坏。
Based on a standard Malaysian contractor's plant and machinery policy wording. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准承包商机械设备险条款整理。实际保障以你的保单附表和条款为准。