Benefits (for Superior cover only)

Tick Icon Liability

Covers the legal liability of you and approved drivers for damage caused to others’ property or person.

Tick Icon No excess for glass claims

We don’t apply an excess to repair or replace damaged windscreens and other vehicle glass.

Tick Icon No excess on replacement locks and keys

If your vehicle keys, locks, or electronic remotes are lost or stolen, we’ll pay to replace them.

Tick Icon Misfuelling or fuel contamination

We cover the cost of breakdown or failure caused by accidentally using the wrong fuel.


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FMG’s Superior Private Vehicles policy is our top level of cover for cars or other vehicles you use mainly for personal use, like travelling to and from work, day-to-day errands and on holiday, as well as trailers, horse floats, caravans and motorhomes.

This policy includes cover for damage to the vehicle itself, its accessories and spare parts, as well as your legal liability as the owner and driver of any specified vehicle shown on your certificate of insurance.

You’re also covered under this policy if someone else is driving your vehicle and causes damage, or injury to a person.

If you choose to add or replace a vehicle on this policy, that vehicle is automatically covered for up to 30 days after purchase while you update your details with us. Once you have notified us of the new or replacement vehicle, you will also need to pay any extra premium required.

Third Party Only, Third Party Fire and Theft and Fire and Theft covers are also available. FMG recommends Superior cover for all vehicles insured with us, to make sure clients have the cover they need if an unforeseen event happens.


Optional benefits

You can purchase optional benefits for even more comprehensive cover

Hire charges 
Cover if you need to hire a replacement vehicle while your specified vehicle is getting repaired or replaced following a loss. Up to $100 a day for 30 days from when we accept your claim.


To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our most recent policy changes, effective from 1 November 2021 click here.

*This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

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