Benefits

Tick Icon Loss due to defined events

Your goods and livestock are covered for accidental damage and loss due to certain events.

Tick Icon Livestock

Your livestock are also covered for death up to 30 days following an accident in which they were injured.


FMG’s Goods in Transit policy covers your goods, refrigerated goods, and livestock while they’re being transported within New Zealand.

Our policy covers accidental damage and loss caused by:

  • Fire, lightning, explosion or flood
  • Burglary
  • Vehicle collision or overturning
  • Loading or unloading of the vehicle
  • Falling from the vehicle

Optional benefits

You can purchase optional benefits for even more comprehensive cover.

Spoilage in transit 
Covers the deterioration or putrefaction of your refrigerated or temperature-controlled goods due to a rise in temperature caused by a machinery breakdown.


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 copy by calling us on 0800 366 466.

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