Private Vehicles - Third Party, Fire and Theft

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.

The FMG Essential Private Vehicles policy gives you the choice of the following options:

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

What we cover - Third Party Only

Up to $10,000,000 of cover for your legal liability inclusive of reasonable defence costs for accidental loss or injury from an accident involving your private vehicle.
This cover also applies while you’re using someone else’s vehicle provide no other insurance, or if you let someone else use your vehicle.

Cover for your legal liability for accidental loss or injury while you’re using your domestic trailer or someone else’s. This also covers boat trailers, caravans, camper trailers and horse floats.

Cover for your liability if you, or a co-worker with your consent, are using your vehicle for your employer’s business, provided that co-worker is not otherwise excluded and no other insurance cover exists. 

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 vehicle.

If your horse truck or float is insured under this policy this covers your liability costs, up to $500,000, for accidental loss or injury caused by an animal that has escaped from it, provided reasonable attempts were made to restrain it.

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

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

What we cover - Fire and Theft

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

Up to $5,000 of cover for the cost of refilling your fire fighting equipment after it’s used to protect your 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 of cover for the cost of refilling your fire fighting equipment after it’s used to protect your 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 cover for accidental loss caused by 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.

 

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