Machine and attachments
Damage to the excavator plus buckets, hammers, grabs and quick hitches, generally scheduled by value.
Kobelco Insurance
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Kobelco Insurance
Cover for Kobelco excavators and crawler cranes.
Kobelco is a narrow, deep brand in Australia: mostly hydraulic excavators, plus crawler cranes at the heavier end. Because the fleet is concentrated in excavators, the risk conversation follows the digging work, which means underground services, unstable ground and attachment damage rather than a mixed plant exposure. Demolition and long-reach configurations sit at the sharper end and are assessed separately.
What is it?
Kobelco builds hydraulic excavators from mini classes through to 50t-plus machines, along with demolition and long-reach configurations and a crawler crane range. In Australia the brand is common in civil, demolition and hire fleets. Machines are typically fitted with a quick hitch and a working attachment set of buckets, hammers, grabs and pulverisers depending on the type of job.
What does kobelco insurance cover?
Demolition configurations
High-reach and demolition set-ups are underwritten differently and usually need to be declared up front.
Underground services
Striking power, water, gas or comms while digging, which is frequently excluded or separately worded.
What affects the cost?
- Machine size, age and hours
- Civil, demolition or hire use
- Transport between sites
- Attachment set carried
- Overnight site security
Worth raising on the call
- Demolition and long-reach work changes the rating, so it should never be left undeclared.
- Attachment sets are often worth more in total than owners bother to schedule.
- Parts for less common configurations can extend repair time, which makes downtime cover relevant.
Claims we are commonly asked about
Machine slides into a trench
A 20 tonne excavator working close to a deep trench edge loses the ground beneath one track and slides in, damaging the boom, cab and undercarriage. On tight urban sites the cost of craning the machine back out can rival the repair itself, so it is worth knowing what the recovery sub-limit is.
Comms bundle cut while trenching
A bucket tooth takes out a fibre bundle while cutting a driveway crossing in a suburban street. The carrier's repair bill is only part of it, because outage and reinstatement costs claimed by the network operator commonly run well past the physical splicing work.
Falling slab hits a demolition machine
A section of concrete slab drops onto the cab guarding and boom during a strip-out, damaging the machine and the operator protection. Whether this responds generally depends on demolition work having been declared, because high-reach and demolition configurations are underwritten differently to standard civil digging.
Worth confirming in the wording
- Worth confirming whether striking an underground power, water, gas or comms service is covered by an extension and whether outage costs claimed by the utility are inside that limit.
- Worth confirming whether the machine remains covered while it is being loaded onto and off a float, or whether that period sits with the transport operator.
- Worth confirming whether a hired-in grab, pulveriser or hammer fitted to your Kobelco is covered while it is in your care.
Common questions
Does my excavator policy cover hitting an underground power cable?
Standard liability wordings commonly exclude damage to underground services, so it usually needs a specific extension. Insurers also tend to look closely at whether a current Before You Dig Australia plan was obtained and whether the services were potholed before digging. It is worth confirming both the extension and the conditions attached to it.
Is damage caused by a quick hitch failure covered?
It depends on the cause and on the wording. Damage to third-party property or injury from a dropped bucket is generally a liability matter, while damage to your own machine sits under the plant section. Insurers commonly ask about hitch type, inspection records and whether the hitch met the relevant Australian Standard, so keeping maintenance records helps.
Do I need insurance if my Kobelco is financed?
Financiers almost always require comprehensive cover as a condition of the finance contract, and they generally need to be noted on the policy as an interested party. The finance agreement may also specify a settlement basis. It is worth reading those clauses before arranging cover so the policy actually matches what you have signed up to.
What does Kobelco excavator insurance cost?
It depends on the machine and the work rather than the brand. The main drivers are machine size, age and hours, whether the work is civil, demolition or hire, how often the machine is transported, the attachment set carried, overnight site security and claims history. Demolition and long-reach configurations are typically rated separately.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See mobile plant machinery insurance for the wider picture.
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