Making a claim is simple. You can report your claim online or call us on 0800 366 466 if your situation requires urgent help or assistance. For more information on your specific type of claim, see car claims, home claims, contents claims and small business claims.
Start your claim online here and one of our Claims team will call you to lodge a claim with you.
Get in contact with us here (online enquiry for existing claim) or call us, we can add this onto your claim and discuss next steps.
If your car has been stolen, tell the police. They’ll want to know the make, model, registration number, where and when you last saw it and whether it was locked or alarmed. They’ll give you a file number to use in your claim. After that, you can report your claim online or give us a call on 0800 366 466.
It’s important that when you take out insurance, and when you make a claim, the information you give is honest, complete, up-to-date and relevant. If you leave something out, please let us know as soon as possible. The information may or may not impact your claim. It's also important to tell us when things change for you. For example, if you change address or are convicted of a criminal offence, so we can keep your insurance up-to-date.
We appreciate some of our clients prefer splitting their insurance premiums, however, when clients pay annually, the cost of their cover is paid up front in full. This means we have less administrative costs so pass on the savings of this payment option. This is why we suggest that annual payments are more cost effective. We aim to offer as much choice as we can around payment options. However, we still have to pay Government levies up front (like EQC, FSL and GST) when the client takes out or renews their policy. The cost of paying these in full up front, along with the added handling cost of multiple payments, is reflected in the payment option the client chooses.
Our extended payment options are only by direct debit or paying through one of our agency partners Farmlands or RuralCo. If you're a shareholder of Farmlands or RuralCo, then we can charge your insurance premiums to them. This will give you the choice to choose annual, 6-monthly, quarterly or monthly payments. Payments Tip: If you don't want to pay by Direct Debit you can choose the Annual payment option and then choose to pay this via Direct Credit, Cheque or Credit Card.
This isn't available at this time, but we'll continue to review our payment options. Payments Tip: We recommend for these clients the monthly direct debit payment option, then the client can transfer their payments into this specific bank account number either weekly or fortnightly. Clients can also choose the date of the month they want their payments to come out such as the 30th which will allow time for the 2 or 4 payments, prior to the direct debit being deducted.
Yes. We can change the payment method to annual and advise what the remaining balance is.
We calculate the premiums based on your individual circumstances. For example, your insurance needs, your claims history with FMG and the frequency of how long you wish to pay your premiums over.
If the payment can’t be deducted from your account, we'll contact you to discuss when we can retake the payment. If we can't get hold of you, the payment will automatically double up the following month and you'll recieve a letter in the post advising you of this.
If a second direct debit payment is unable to be deducted from your account, your payments are overdue and your policy may be cancelled. Please call us on 0800 366 466 so we can discuss your options.
Call us on 0800 366 466 and we can make any changes for you over the phone.
You can set up a direct debit online from your bank account by calling us on 0800 366 466
To change your bank account number, have your bank account details available and call us on 0800 366 466.
Monthly, Quarterly 6-Monthly and Annual. Please call us on 0800 366 466 if you would like to discuss which payment option suits you.
If you wish to make an immediate credit card payment, have your credit card details available and call us on 0800 366 466.
STOP - check for nests before you start the tractor (each and every time – a bird can build a nest in a 20min lunch break) and POP - the hood and store it lifted (deters birds from nesting). We also recommend that you have a fire extinguisher installed in the tractor to help put out any fire that may occur.
We've found rollovers to be the leading cause of significant damage for tractors and quad bikes. You can find more information about this on our Tractor and Quad bike advice worth listening to guides. For more information on the safe use of tractors, quads and other farm machinery check out Worksafe's site.
Have a documented milking process; mark suspected animals and remove them from the herd for assessment, treatment and any withholding period. Review any incidents in the milking process and make improvements. Have a robust training programme in place and ensure all staff are well trained in the procedures for that shed. This is especially pertinent if the client has relief milkers.
Place one of FMG's milk vat stickers in their shed or near the switch as a reminder to switch on the vat. These can be ordered on our website here. Another important factor is having a scheduled maintenance plan so that the risk of your machinery and equipment breaking down, and a subsequent loss from this is minimised.
Point the irrigator into the prevailing wind, Park - it there until the winds dissipate, Anchor - it down by tying and protecting any moving parts. For more detailed advice you can request a hard copy of the Irrigator Advice Guide from your FMG representative or by calling the service centre on 0800 366 466. Alternatively, they can download an electronic copy from the advice section of our website here.
Check the Track to make it Back - Implement a no vehicle left unattended in the paddock policy to avoid costly damage from collisions with other items such as tractors, motor bikes and other irrigators.
Check the Track to make it Back - Check the irrigator track for changes to the ground, surrounding trees and foreign objects.
Irrigation NZ is New Zealand’s unified national industry body that promotes excellence in irrigation, represents the interests of irrigators and their users, and provides advice on best practice on irrigation and irrigators. FMG has joined on as Irrigation New Zealand’s Preferred Risk Advice Partner. Our support will help Irrigation NZ to grow further and lead from the front - particularly through the delivery of quality information and on-farm risk advice to members and the wider irrigation industry. Irrigation NZ is a great source of information, advice and training on the risks to irrigation systems and opportunities to mitigate them.
All rental homes, boarding houses, rental caravans, and self-contained sleep-outs must have a smoke alarm. Every new or replacement smoke alarm must be a long-life photoelectric smoke alarm. The alarm must be standalone with a battery life of at least 8 years or a hard-wired smoke alarm system. The smoke alarm must be installed in line with the manufacturer’s instructions, within 3 metres of each bedroom door, or in every room where a person sleeps. An alarm must be in each level or storey of a multi storey or multi-level home.
DairyNZ has a wealth of advice and information including Farm Dairy Effluent Design Standards and Design Codes of practice, training courses for efficient pond design and management as well as a Farm Warrant of Fitness process to check the current situation of their system.
Find out more at http://www.dairynz.co.nz/environment/effluent/
FMG's liability policy offers client's some protection with the Statutory Liability extension for prosecutions taken by WorkSafe NZ arising from workplace accidents. It is important to remember that clients cannot insure against fines and/or fees imposed under the Act. However, they can insure against legal costs and reparation. Most charges under the Act involve “strict liability”. This is quite different too most criminal charges. This means it is not necessary for WorkSafe NZ to prove that the defendant intended to breach or not comply with the relevant obligations. It is for the defendant to prove that they took all practicable steps to avoid the accident occurring. To help defend a prosecution, an active workplace Health & Safety plan needs to be in use and should include a Hazard Register and Accident Reporting.
Roadside and boundary fences should be a minimum of eight wires (as set out in the Fencing Act) and all roadside gates need to have a secure latching/locking mechanism.
FMG and the NZ Police have developed a Rural Crime Prevention Advice Guide full of tips to help protect your property, family and community from rural crime. This guide can be ordered on our website here or ask one of our FMG representatives for a copy.
Although we do not insure stock for theft from out in the open it is important to recognise that this is a risk that farmers do face. In fact it is estimated to cost the rural community $120 million a year in lost income. Our Rural Crime Prevention advice Guide provides some tips of actions farmers can take to help minimise that risk of their stock being stolen and increase the chances of the perpetrators being caught and prosecuted.
Both local and national government laws and regulations outline fuel storage requirements. The Resource Management Act (RMA) 1991 includes regulations and consequences for events causing damage to the environment. Regional requirements for fuel storage may be included within local or regional council plans. Clients should contact their local and regional councils for more information. Any contamination of the soil or waterways as a result of leakage or spillage on farms may result in prosecutions for discharge under the RMA 1991. These prosecutions can include fines and incurring the cost of cleaning up the spillage or leakage.