The conceptual difference, in their very rudiments, between the fire insurance and the machinery insurance that is available only as a sequel to the former, though independent of it, is this: whereas in case of fire insurance, the scope of cover is limited, ab initio, to the perils specified in the policy, the position in respect of machinery insurance is that ‘unforeseen and sudden physical damage by any cause - an omnibus proposition - not hereinafter excluded’ is deemed as the perils covered. Thus, whereas the fire insurance is finite in its scope of liability, the machinery insurance is one