The policy is to provide mechanical breakdown coverage for gas turbine aero engines on fixed-wing aircraft and helicopters between scheduled overhauls. The target markets are corporate owners, charter, commuter and small to medium airlines as well as aero clubs. This type of breakdown coverage should be seen as a supplement to aircraft hull insurance which usually indemnifies damage to ingestion, impact, etc. An aero engine as defined in the policy wording shall mean a certificated engine supplied by the engine manufacturer or through its approved vendors as referenced in the respective engine illustrated parts catalogue. The policy shall cover unforeseen and sudden breakdown to the insured engines, necessitating their repair or replacement. Loss or damage covered is mainly due to faulty design, faulty assembly, bad workmanship, defects in casting and material, faulty operation i.e., pilot’s error, tearing apart on account of centrifugal force, short circuit and other electrical causes or internal fire.