Growing Fruit

Growing Fruit

Cover for your growing and harvested fruit including wine grapes, pip fruit and stone fruit.

What we cover

The FMG Orchard Fruit  policy automatically includes these covers and benefits.

Insurance for the loss of growing fruit from hail, fire and flood, as well as an optional frost loss cover where a client’s frost protection equipment has a mechanical or electrical failure.  The orchard fruit policy will insure wine grapes, pip and stone fruit. 

Harvested fruit is covered for sudden and unforeseen loss for up to 30 days from the date of harvest. This includes while it’s in transit for up to 300km.

Your fruit is also covered for the following, giving even more comprehensive insurance.

A payout of the total sum insured when your orchard damage is 65% or more, and it is uneconomic to harvest.

To help with the additional costs associated with a loss to mitigate damage such as clean-up, chemical or manual thinning of damaged fruit and/or disposal of damaged fruit.

Optional extras

You can purchase these Optional Benefits for even more comprehensive insurance.

Cover for frost damage to your growing fruit when your permanently installed frost protection equipment has a mechanical or electrical failure. 

What we pay

We will pay an agreed value per tonne based on the assessed loss.

Kiwifruit Top up

The FMG Kiwifruit Top Up policy insures your growing fruit for any loss covered by the Zespri Pool Hail Insurance Scheme.

The FMG Kiwifruit Top Up policy insures your growing fruit for any loss covered by the Zespri Pool Hail Insurance Scheme.

We will pay an agreed value per tray based on the Zespri assessed net tray loss.

 

Download policies

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.

Kiwifruit Top Up Policy Wording 2017-18.pdf

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