FMG’s Refrigerated Goods policy covers your chilled, frozen, or refrigerated goods, including their container and packaging, for accidental loss or damage.

This policy automatically covers accidental spoilage, including deterioration, putrefication and contamination, caused by:

  • Machinery breakdown
  • Refrigerant escaping into your refrigerated storage cabinet, chamber or room
  • Your electricity or gas supplier disconnecting supply to your premises without warning
  • Accidental failure of the electricity or gas supply to your premises

In the case of semen or embryos, this policy covers accidental spoilage when they’re at your premises or being transported anywhere in New Zealand.

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.

Refrigerated Goods Policy Wording Effective for new policies, items or renewals from:

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