From tractors and harvesters to trailers and implements, farm vehicles are critical to keeping your operation moving. FMG offers two insurance options in New Zealand to help protect the machinery and vehicles your farm relies on every day:
- Superior Farm Vehicles Policy for broader protection
- Essential Farm Vehicles Policy for limited protection
Farm vehicle insurance options at FMG
| Superior Farm Vehicles | Essential Farm Vehicles |
|---|---|
Comprehensive cover for farmers who want broader cover for key farm vehicles and machinery. FMG’s Superior Farm Vehicles policy covers accidental loss to farm vehicles and irrigators used for your farming operations, along with a range of automatic benefits. | Basic protection for farmers who need limited cover for their farm vehicles, or only require cover for legal liability arising from an accident involving the vehicle. This policy offers four cover options:
|
Farm vehicles and machinery FMG can insure:
Unexpected damage or theft can quickly disrupt day-to-day farm operations. That’s why FMG helps protect a wide range of farm vehicles and machinery used every day on farms across New Zealand.
- Tractors and harvesters
- Quad bikes, farm bikes and side-by-sides
- Farm utes, runabouts, and trucks used primarily for your farming operations
- Trailers, crates and implements
- Loaders, diggers and bulldozers
- Mowers and ride-on mowers
- Irrigators and spray equipment
Cover may also be available for electric farm vehicles as the market continues to evolve. Eligibility is generally assessed on a case-by-case basis, with consideration given to factors such as reliable in-country servicing, parts availability and repair support.
Compare Superior and Essential cover
Not sure which insurance policy is right for your farm vehicle?
Here’s a quick comparison of our two policies.
| Essential | Superior | |
|---|---|---|
| Level of Protection | Limited, lower-level protection. | Our top-level, comprehensive protection. |
| Cover Options | Third Party, Fire, Theft options :
| Comprehensive cover. |
| Legal liability cover | Available for Third Party Only and Third Party Fire & Theft cover options. Legal liability cover limited to a maximum of $10,000,000 per event. | Included. Legal liability cover limited to a maximum of $10,000,000 per event. |
| Hired or borrowed farm vehicles | Not included. | Cover for accidental loss to farm vehicles hired-in and/or borrowed during the period of insurance is included, up to $50,000 and where policy conditions are met. |
View Policy Documents and learn more
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.
