Machine downtime: are faster repair expenses the same as lost production?

A useful product-document distinction

MAPFRE's current Machinery Casco page describes mobile industrial machinery and equipment and lists Overtime and Special Freight Expenses as optional. In the linked CG35120091100, special condition06 requires expenditure to shorten repair following an insured event, within agreed limits; it excludes air freight and requires documentary evidence. This is a contractual example, without a recommendation or universal rule.

Article5 of that wording distinguishes indirect losses, lost profit and consequential damage from expenses under its exceptions for special conditions05/06. An extension that accelerates repair therefore does not establish general protection for lost sales. The actual cover and damage must be checked against the policy, rather than only the product summary.

Sources: MAPFRE — Machinery Casco DIP01012021 linked on current page; options and exclusions, both pages reread2Nov2026 ↗ · MAPFRE — Machinery Casco CG35120091100, SC06 articles1–3 p.28; article5 and article6 limits pp.8–11, relevant passages read2Nov2026 ↗ · MAPFRE — current Machinery Casco page: scope, options and contractual links, read2Nov2026 ↗

Group costs by purpose

Clara proposes a four-part record for Tiago: equipment repair, expenditure to accelerate recovery, any replacement hire and the economic effect of downtime. Each amount is matched with its supporting service or document, without placing the same invoice in two groups.

Ask the intermediary to match each group to a benefit, where one exists, and clarify prior authorisation, excess, limits and eligible costs. An option for special freight does not establish inclusion of every delivery, additional working hour or hire charge.

An example without turning an estimate into a claim payment

Fictional exercise: obtaining a part sooner could cost an extra €400 in freight, while the business estimates €3,000 in unrealised sales. The first is an acceleration expense; the second is a commercial estimate. Neither establishes, by itself, what insurance would pay. Tiago does not add projected sales to an invoice as if they were the same expense.

Record forecast and actual cost separately, with dates. Ask what evidence each item needs and how an extension relates to insured physical damage. Competent technicians must determine safe restart conditions; insurance does not authorise operation of damaged equipment.

Base the quote on dependency on the machine

When preparing future protection, Tiago describes the machine's role, parts lead times and operational alternatives. He asks for an answer for each record category, identifying the benefit, limit and costs remaining with the business. An extension's availability in a product does not prove it was purchased for this machine.

To compare solutions, request a Machinery Casco insurance quote on the RMACHADO website. For an accident that has already occurred, use Support and claims and the policy procedure before incurring expenses in expectation of reimbursement. Clara helps prepare questions; she does not approve repairs, safe restarting or payment.