Farm Vehicles - Third Party, Fire and Theft

Farm Vehicles - Third Party, Fire and Theft

Cover for vehicles you use for your farming operations. This includes implements attached to your farm vehicles.

The FMG Essential Farm Vehicle policy gives you the choice of the following options:

  • Third Party Only
  • Third Party Fire and Theft
  • Fire and Theft, or
  • Fire Only
  • More comprehensive cover is available under FMG’s Superior Farm Vehicles policy.

The benefits and covers below are automatically included with each option.

What we cover – third party only

 Up to $10,000,000 cover for your legal liability and reasonable defence costs if you accidentally damage someone else’s property, or injure someone while using your farm vehicle.  This cover also applies while you’re using someone else’s farm vehicle, or if you let someone else use your vehicle. 

Cover for your liability if you, or a co-worker, are using your farm vehicle for your employer’s business. 

Covers your liability and defence costs, up to $1,000,000, for costs awarded against you under the Forest and Rural Fires Act 1977. 

Covers up to $5,000 for your liability costs under the Fire Services Act 1975, following a hazardous substances emergency involving your farm vehicle. 

If you’re charged with manslaughter, careless, dangerous or reckless driving charges following an accident covered by this policy, we’ll pay up to $2,000 for your legal fees.  

We’ll pay the cost to repair your vehicle, or the present day value, up to $3,000 if you’re involved in an accident with an uninsured driver, they’re at fault, and you can provide their details to us.

What we cover – third party fire and theft

Cover for accidental loss to your vehicle caused by fire, lightning, explosion, theft or illegal conversion.  If you choose third party fire and theft you’ll also get the following cover, as well as the benefits listed under third party only. 

Up to $5,000 cover for the cost of refilling your fire fighting equipment after it’s used to protect your farm vehicle from loss covered by this policy.

What we cover – fire only

Cover for accidental loss to your vehicle caused by fire, lightning, or explosion.

Up to $5,000 cover for the cost of refilling your fire fighting equipment after it’s used to protect your farm vehicle from loss covered by this policy.

Optional extras

You can purchase these Optional Benefits for even more comprehensive insurance. Please note these are not available if you choose Third Party Only cover. 

Tops up your cover to include specific events such as burglary, storms, floods, vandalism or if another car or animal hits you.

Cover for damage caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslip. 

What we pay

We’ll pay the reasonable cost of repairs to the same condition as before the loss, the present day value, or the amount shown on your certificate, whichever is less.

Present day value is the value just before the loss and takes into account the age and condition of the vehicle. Think of it is as similar to the second hand value.

Download policy

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.