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
2020-21 policy wordings apply to new clients who join FMG from 1 November 2020 and to existing clients whose polices renew on or after this date. Policy summaries are based on the 2020-21 wordings. All other clients should refer to the 2019-20 policy wordings.
Policy summaries
Policy summaries are based on the 2020-21 wordings.
+ Show All Policies - Hide All Policies
Cover for your livestock, including alpacas, cattle, deer, goats, llamas, pigs, and sheep. Read the policy summary>
Cover for specified and unspecified dogs that are owned by you or your employees. Read the policy summary>
Cover for your equestrian and sport horses between 1 to 16 years old. Read the policy summary>
Cover for your equestrian and sport horses from 24 hours to 16 years old. Read the policy summary>
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>
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>
Cover for your equestrian and sport horses between 1 and 18 years old and up to $7,500 in value. Read the policy summary>
Cover for your farm buildings including implement or tool sheds, pump sheds and fixed machinery. Read the policy summary>
Cover for your house including garages, sheds, gates, fences, patios, tennis courts, driveways and pools. Read the policy summary>
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>
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>
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>
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>
Cover for contents you use for your farming operations. Includes items like fencing equipment, tools, sprays, animal feed and generators. Read the policy summary>
Covers you and your family’s personal contents at home and while you’re out and about. Read the policy summary>
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>
Cover for your goods, refrigerated goods, and livestock while they’re being transported within New Zealand. Read the policy summary>
Cover for your chilled, frozen or refrigerated goods, including their container and packaging. Read the policy summary>
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>
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>
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>
Cover for your farm forestry block, including trees you’ve harvested but haven’t transported yet. Read the policy summary>
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>
Cover for vehicles you use for your farming operations. This includes implements attached to your farm vehicles. Read the policy summary>
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>
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>
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>
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>
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>
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>
Insures legal liability and cost exposures in connection with your management of a company. Read the policy summary>
We offer a range of travel insurance through Cover-More, a travel insurance leader in Australasia. Read the policy summary>
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>
Cover you for disability, accident or sickness. Read the policy summary>
Cover for legal liability and costs exposures related to your management of non-corporate organisations. Read the policy summary>
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>