FMG’s Superior Farm Vehicles insurance policy is our top level cover for farmers wanting broader protection for the vehicles and machinery they rely on every day.
Explore Superior cover policy documents
Broad cover for your farm vehicles and machinery
FMG’s Superior Farm Vehicles policy covers a range of vehicles and machinery used mainly for your farming operations, including tractors, front-end loaders, ride-on mowers and attachable implements. Cover may also be available for electric farm vehicles, with each request assessed based on servicing, parts availability and repair support in New Zealand.
The Superior policy includes cover for 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 can also choose to cover irrigators and irrigation equipment used on the farm under this policy.
Benefits (for Superior cover only)
This policy includes a range of built-in benefits designed to help when the unexpected happens.
Some of these automatic benefits include:
No excess for glass claims
We don’t apply an excess to repair or replace accidental breakage of windscreens and other vehicle glass.
Accidental breakdown
Cover for breakdown or failure to your machinery that is permanently attached to your vehicles.
Farm vehicle or irrigator tyres
Cover for accidental loss to your specified vehicle’s tyres, excluding farm trucks or utes registered for road use.
Liability
Covers the legal liability of you and approved drivers for damage caused to others’ property.
Optional benefits you can add
You can purchase optional benefits for even more comprehensive cover.
Natural hazard (Natural disaster)
FMG recommends you consider this cover for damage caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or natural landslide.
Hire charges (Superior Farm Vehicle Policy only)
Cover for up to $20,000 if you must hire a replacement vehicle or contractor to carry out your farming operations while your specified farm vehicle is getting repaired or replaced following an insured loss.
Adding or replacing vehicles under Superior
- you notify us of the details within 30 days of the date of purchase,
- complete any required proposal, and
- pay any additional premium required.
Third Party Only, Third Party Fire and Theft and Fire and Theft covers are also available under this policy. FMG recommends you consider Superior cover for your vehicles, to ensure they have the cover they need if an unforeseen event happens.
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 recent policy changes 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.
Superior Farm Vehicles Policy Wording Effective for new policies, items or renewals from:
Answering your questions about Superior Farm Vehicle insurance
-
FMG’s Superior Farm Vehicle policy can cover a wide range of vehicles and machinery used mainly for your farming operations, including tractors, harvesters, loaders, trailers, mowers, spray equipment and irrigators. Cover can also extend to attached implements, accessories and spare parts, subject to your policy schedule, underwriting approval and policy terms.
-
Yes. Superior Farm Vehicle cover includes a limited automatic benefits for accidental loss to hired-in or borrowed farm vehicles used in your farming operations, up to $50,000, where conditions are met. Borrowed vehicles must be borrowed without financial consideration, and the vehicle must not be insured by anyone else. For hired-in vehicles, the insurance offered by the rental company must not have been accepted. This benefit only applies to vehicles with Comprehensive cover. Limits, exclusions and policy conditions apply.
-
Superior cover may suit those who require broader protection of farm vehicles and machinery. It may also suit farms that depend on higher-value machinery, attached implements, irrigators or off-road vehicles, where accidental damage or downtime could have a bigger impact on day-to-day operations.
-
Yes. FMG’s Superior policy can include cover for some irrigators and irrigation equipment used in your farming operations, subject to underwriting approval and policy terms.
-
Superior cover can apply to a range of farm vehicles used mainly off road, including tractors, quad bikes, side-by-sides and utility task vehicles (UTVs), subject to your policy schedule and policy terms.
