THE ESSENTIALS
Before you start
- Identify attachments and tools in the property list.
- Read specific exclusions and any exceptions.
- Describe wear, isolated damage and machine damage separately.
An exclusion with an exception
Article 5 of MAPFRE's public machinery casco terms, code 35120091100, addresses interchangeable tools and high-wear components including tyres, with an exception where damage accompanies total or partial destruction of the insured property.
The exception does not mean automatic payment: the event and remaining terms still matter. This document is an example; check the version and terms supplied for your proposal.
Sources: MAPFRE — Condições Gerais de Máquinas–Casco, código 35120091100, artigo 5.º ↗
Distinguish three damage descriptions
Separate a worn part, damage confined to a component and an accident also damaging the machine. Record observations in each case without assuming a technical cause.
Fictional example: a tyre shows wear and, separately, a machine sustains impact damage to several components. Describe both events, rather than simply providing two tyre invoices. This does not decide cover or equate wear with an accident.
List attachments moved between machines
Identify the attachment, machines using it, ownership and documented value. Explain if it moves between several machines or is rented from another party.
Ask how it is identified in the insurance, which risks are accepted and which limits or excesses apply. Do not merely increase a sum insured without confirmation that the property and use are accepted.
Keep a usable review file
Retain inventories, invoices, model references and relevant maintenance records. Following damage, keep photographs and available technical descriptions for the applicable claims process.
Request a quote from RMACHADO with the fleet and attachment list for consideration. Review the full proposal terms as well as the information summary.
Sources: MAPFRE — Documento de Informação sobre o Produto de Seguros Máquinas-Casco ↗
KEEP THESE QUESTIONS
Your checklist for the next conversation
- List tools and attachments by reference and use.
- Distinguish wear from sudden events in the account.
- Check exclusions, exceptions, limits and excesses.
- Confirm property acceptance and retain documents.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
- MAPFRE — Condições Gerais de Máquinas–Casco, código 35120091100, artigo 5.º ↗
- MAPFRE — Documento de Informação sobre o Produto de Seguros Máquinas-Casco ↗
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.