This policy is aimed at individuals or organizations wishing to insure against sudden and unforeseen damage to the machinery from such causes as faulty materials construction or erection, vibration, maladjustment, misalignment, defective lubrication, loosening of parts, abnormal stress, fatigue, self heating, centrifugal force and excessive electrical pressure. The sums insured are based on the current replacement values of the insured items including installation costs and customs duty, where applicable.