1. Engineering insurance term insuring ‘damage by physical impact to surrounding plant or property belonging to the insured or held in trust by the insured or on commission or for which the insured is responsible resulting from fragmentation of any part of any insured item of plant. The cover can be applied to: boilers and pressure plant; cranes and other lifting machines; lifts and hoists; and electrical and mechanical plant. 2. An additional peril included in a ‘named peril’ household policy. It covers impact damage caused by vehicles or aircraft or anything dropped therefrom. Damage caused by falling trees and branches is also covered. 3. Impact cover is also added to named perils commercial property insurance and covers the risk of third party (and sometimes own) vehicles and animal damage to the insured property.