Benefits not included in Essential
Glass repairs or replacement
The excess-free glass benefit does not apply.
Liability (Fire and Theft)
Fire Only, and Fire and Theft can cover accidental loss to your own vehicle from limited events, but don't include legal liability. If you need liability protection, choose a Third Party option or consider Superior cover.
FMG’s Essential Farm Vehicle insurance policy provides cover options for vehicles used primarily in farming operations. With protection focused on fire, theft and/or third party liability, it may suit farmers looking for more limited protection for lower value and less frequently used farm vehicles.
Explore Essential cover policy documents
Choose from four cover options
Choose from four levels of Essential cover depending on the protection needed for your farm vehicles. Eligible vehicles may include tractors, quad bikes, side-by-sides, farm bikes and other vehicles used for your farming operations. In some cases, cover for electric vehicles may also be available, with each request assessed based on factors such as reliability of in-country servicing, parts availability, and repair support.
Third Party only Cover for your legal liability if your vehicle causes accidental damage to someone else’s property or injury to another person. | Fire and Theft Cover for accidental loss to your own vehicle only caused by fire, theft, attempted theft, lightning, explosion or illegal conversion. |
Third Party, Fire and Theft Includes our Third Party legal liability cover, plus cover for accidental loss to your own vehicle caused by fire, theft or attempted theft, lightning, explosion or illegal conversion. | Fire only Cover for accidental loss to your own vehicle caused by fire, lightning or explosion. |
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.
Find information about our recent policy changes.
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 below or get a free copy by calling us on 0800 366 466.
Superior Farm Vehicles Policy Wording Effective for new policies, items or renewals from:
Answering your questions about Essential Farm Vehicle insurance
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Yes, but only if you have selected a Fire and Theft or Third Party Fire and Theft option. Third Party Only cover does not include cover for loss to your own vehicle including from fire or theft.
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Essential Farm Vehicle Insurance may suit farmers looking for protection for lower value or infrequently used farm vehicles. It can be a good option when comprehensive accidental damage cover is not required.
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Yes. FMG’s Essential Farm Vehicles policy can cover quad bikes, tractors and other farm vehicles used for your farming operations on private land in New Zealand.
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Yes, to request a quote simply click here or call us on 0800 366 466.
