This policy covers loss or damage to your mobile equipment (such as forklift, excavator, dump truck, etc.) due to:
• accidental collision or overturning,
• collision or overturning resulting from mechanical breakdown or wear and tear,
• fire, external explosion, self-ignition, lightning, theft.
If the Equipment is immobilized due to insured loss or damage under this Policy, We will pay You up to a maximum sum of USD$500.00 for its protection, removal to or repair at the nearest repairers.