FMG Car Insurance
FMG has been around for over 100 years, and pride themselves on being 100% Kiwi owned and operated. Starting out back in 1905, FMG was formed to help rural farmers and residents with their insurance needs, giving them a different option to companies that lacked understanding of the risks and challenges of living in rural NZ. They have since expanded to include other services like rental houses, contents, and now, car insurance.
FMG believes in a bright future for farming, and that’s why they’re constantly innovating to provide cover that offers better value to rural businesses and residents. With FMG, you’ll be dealing with an insurer that knows the in and outs of your circumstances, whether you need to lodge a claim, update your details, or purchase a policy. Try FMG Insurance in NZ today!
Why choose FMG Insurance NZ?
FMG takes pride in being NZ’s leading rural insurance provider, providing policies to over 96,000 customers from 30 different offices nationwide. They are well-versed in helping rural-based Kiwis with their policies, providing deals with premiums that are fair and affordable. Add real value to your car and your business with the right rural cover from an experienced provider.
Types of FMG Car Insurance Policies NZ - Best Quotes Online
Superior Private Vehicles policy
This policy is FMG Car Insurance’s comprehensive plan that includes coverage for accidental loss, up to $10 million for legal liability, damage to your vehicle, and even new vehicle replacement if needed. In terms of automatic benefits, the Superior Private Vehicles policy does not charge any excesses when you are not at fault in an accident, as well as claims made for the breakage of your vehicle’s windscreen, window glass, sunroof glass, and lights.
Optional benefits you can add to FMG’s comprehensive policy can include coverage for charges made when hiring a replacement vehicle (in the event that you suffer a loss to your private car).
Essential Private Vehicles policy
The essentials cover is FMG’s third party cover policy. Unlike other insurers, you can adjust the level of coverage you get, allowing you to choose from options like:
Third party only
Third party with fire and theft
Fire and theft
As for the benefits you can add on to this policy, you can choose to be covered for a defined event, or for any event that causes damage to your insured property, like lightning, storms, vandalism, or malicious acts.
FMG car insurance FAQ
FMG car insurance claims can be made using their online service, FMG Connect. You can also make claims by calling them at 0800 366 466. When making a claim, it’s best to have the following information ready:
Registration numbers of the vehicles involved in the incidents
Details of all the drivers involved
Contact details of all witnesses and passengers
A police reference number (if applicable)
Time and location of the incident
FMG does not cover losses for certain problems such as defective work or an inherent fault in the car’s design (from poor quality materials or workmanship). However, this only applies to the part of your vehicle first affected by loss arising from these problems. Resulting loss to other parts can be covered, unless stated otherwise.
Additionally, FMG doesn’t provide cover for general wear and tear resulting from use, deterioration, rust, and corrosion of your vehicle. The superior private vehicle policy also does not cover loss to tyres as a result of punctures, cuts, or brake application. However, such loss is insured if the damage results in loss of other parts covered by the policy.
FMG will cover accidental loss caused by terrorism, but of course, there are restrictions for this cover. FMG car insurance will not cover loss connected to terrorism using nuclear, biological, or chemical weapons.
In the event of accidental loss resulting from terrorism, FMG will pay out the lowest of the following:
The reasonable cost to repair your vehicle
The present-day value of your private vehicle
The amount shown on the certificate
FMG will not cover your vehicle if it’s used for some certain scenarios. They will not pay out for any loss or liability if the car is used in connection with the motor trade, sales or collection, driver instruction, or the carrying of goods (unless it’s part of your farming operations).
FMG Insurance NZ also won’t pay out any loss or liability if the vehicle is used by a person acting as a commission agent, insurance representatives, commercial travellers, or company representatives, among other things. You can see the full list of their exclusions when you browse through their policy details.