Tick Icon Natural hazards (Natural disasters)

All Essential policies cover you for accidental loss of your vehicle caused by a natural hazard (natural disaster).

Cross Icon Glass repairs or replacement

Windscreen and glass claims are not covered under Third Party, Fire and Theft policies.

Cross Icon Liability (Fire and Theft)

Your legal liability for damaging others’ property or injuring them is only covered under Superior or Third Party cover options.

FMG’s Essential Private Vehicles cover includes the reduced cover options of Third Party, Fire and Theft.

Third Party, Fire and Theft cover means you’re insured for accidental loss caused by fire, lightning, explosion, theft or illegal conversion to your private vehicle and vehicle accessories, as well as your legal liability in the event your vehicle is involved in an accident that causes damage to someone else’s property or causes injury to another person.

FMG recommends Superior Private Vehicles cover for all vehicles insured with us, to make sure clients 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.

Essential Private Vehicle Wording Effective for new policies, items or renewals from:

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