Policy Summaries and Downloads

Policy Summaries and Downloads

We have a great range of products to suit your insurance needs. You’ll find all of our policies listed below with the option of reading a summary or downloading a copy of the policy wording.

Policy wordings
2016-17 policy wordings apply to new clients who join FMG from 1 November 2016 and to existing clients whose policies renew on or after this date. Policy summaries are based on the 2016-17 wordings. All other clients should refer to the 2016-15 policy wordings.

Policy summaries
Policy summaries are based on the 2016-17 wordings. 

Change guides
The Change Guides below are an easy way to see what has changed between the 2015-16 and 2016-17 policy wordings.

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Cover for your livestock and working recreational animals

Livestock

Cover for your livestock, including alpacas, cattle, deer, goats, llamas, pigs, and sheep. Read the policy summary>

Farm Dogs

Cover for specified and unspecified dogs that are part of your farming operations. Read the policy summary>

Horse Deluxe

Cover for your equestrian and sports horses between 3 and 10 years old. A higher age limit may apply if your horse is already insured with us. Read the policy summary>

Horse Thoroughbred and Standardbred

This policy is for your race and breeding horses, including standardbred and thoroughbred colts, geldings and fillies, from when they start out training for the race track until their retirement.  Read the policy summary>

Domestic, farm and business buildings, construction projects and related items

Farm Buildings

Cover for your farm buildings including implement or tool sheds, pump sheds and fixed machinery. Read the policy summary>

Home

Cover for your house including garages, sheds, gates, fences, patios, tennis courts, driveways and pools. Read the policy summary>

Employee House

Cover for your employee house including garages, sheds, gates, fences, patios, tennis courts, driveways and pools. With extra benefits just for employee houses. Read the policy summary>

Rental House

Cover for your rental house including garages, sheds, gates, fences, patios, tennis courts, driveways and pools. With extra benefits just for rental houses. Read the policy summary>

Material Damage

Covers your commercial buildings, contents, fixed plant and stock, growing structures, money or growing plants and portable plant and equipment as shown on your certificate. Read the policy summary>

Contract Works

Insures the work being done by a contractor for accidental loss during the construction period when building an extension, new building, or renovating your home. Read the policy summary>

Domestic, farm and business contents, stock and equipment

Farm Contents

Cover for contents you use for your farming operations. Includes items like fencing equipment, tools, sprays, animal feed and generators. Read the policy summary>

Household Contents

Covers you and your family’s personal contents at home and while you’re out and about. Read the policy summary>

Material Damage

Covers your commercial buildings, contents, fixed plant and stock, growing structures, money or growing plants and portable plant and equipment as shown on your certificate. Read the policy summary>

Goods in Transit

Cover for your goods, refrigerated goods, and livestock while they’re being transported within New Zealand. Read the policy summary>

Refrigerated Goods

Cover for your chilled, frozen or refrigerated goods, including their container and packaging. Read the policy summary>

Breakdown

Cover for your machinery anywhere in New Zealand including motors, pumps, electrical equipment, computers, mechanical equipment, and pressure vessels that you use for your farming operations.    Read the policy summary>

Growing plants, trees and crops

Arable Crop

Cover for your growing and harvested crops including maize, barley, wheat, fodder crops, seed crops and vegetables, planted before 15 December.  Read the policy summary>

Growing Fruit

A range of cover is available for your fresh fruit, processed fruit and nuts, and fruiting trees and vines. Hail and frost top up for kiwifruit is also available. Read the policy summary>

Forestry

Cover for your plantation, including trees you’ve harvested but haven’t transported yet.   Read the policy summary>

Personal, farm and commercial motor vehicles and recreational boats

Farm Vehicles - Comprehensive

Cover for vehicles you use for your farming operations and includes implements attached to your farm vehicles. You can also add irrigators to this policy. Read the policy summary>

Farm Vehicles - Third Party, Fire and Theft

Cover for vehicles you use for your farming operations. This includes implements attached to your farm vehicles. Read the policy summary>

Private Vehicles - Comprehensive

Provides comprehensive cover for vehicles you use mainly for personal or private use like travelling to or from work, family holidays, or for recreation.  Read the policy summary>

Private Vehicles - Third Party, Fire and Theft

Cover for vehicles you use mainly for personal or private use like travelling to or from work, family holidays, or for recreation. Read the policy summary>

Commercial Vehicles – Comprehensive

Comprehensive cover for the vehicles you use for your business, like cars, vans, trucks or utes.   Third Party Only, Third Party Fire and Theft, Fire and Theft, or Fire Only cover is also available under this policy. Read the policy summary>

Commercial Vehicles – Third Party, Fire and Theft

Covers vehicles you use for your business, like cars, vans, trucks or utes. This policy gives you the choice of Comprehensive cover, or Third Party, Fire and Theft options.  Read the policy summary>

Boat

FMG’s boat insurance covers your boat, outboard motor and trailer, its machinery, accessories and fittings, at sea and on dry land.  Read the policy summary>

Other risks you or your business may face, including Liability and Business Interruption

Liability

Insures you for your legal liability for accidental loss to the property of others or accidental injury to any other person in connection with your business.  Read the policy summary>

Management Liability

Insures legal liability and cost exposures in connection with your management of a company. Read the policy summary>

Travel Insurance

We offer a range of travel insurance through Cover-More, a travel insurance leader in Australasia. Read the policy summary>

Business Interruption

Business Interruption cover insures you for your financial loss and increased costs of working due to an interruption or interference to your business triggered by a Material Damage loss. Read the policy summary>

Disability Assistance

Cover you for disability, accident or sickness. Read the policy summary>

Association Liability

Cover for legal liability and costs exposures related to your management of non-corporate organisations. Read the policy summary>

Professional Indemnity

Covers your liability and certain cost exposures when giving advice, completing design work or related conduct in the course of your professional business. Read the policy summary>