FMG Car Insurance

With more than four million cars driving on New Zealand’s roads, car insurance has become a mandatory part of getting from A, to B. However, not all insurance policies are created equal. Here, Canstar compares how FMG’s vehicle cover stacks up against other insurers.

What Car Insurance Policies Does FMG Offer?

FMG offers customers comprehensive insurance (FMG Superior Private Vehicles policy), and third party, fire and theft insurance (FMG Essential Private Vehicles policy).

What’s Covered by FMG’s Superior Private Vehicles Policy (Comprehensive)?

This policy provides comprehensive cover for vehicles you use mainly for personal or private use. The policy offers customers coverage that includes accidental loss, up to $10m cover for your legal liability, cover for damage when the wrong fuel type is accidentally used and new vehicle replacement. FMG also says they’ll replace or repair your broken windscreens and windows caused by accidental loss, and you won’t have to pay an excess. 

What’s covered by FMG’s Essential Private Vehicles Policy (Third Party, Fire and Theft)?

FMG’s policy gives customers the option of being covered for: 

  • Third Party Only
  • Third Party Fire and Theft
  • Fire and Theft, or
  • Fire Only.

All of the above include coverage for up to $10m of cover for your legal liability, forest and rural fires and accidents with an uninsured driver.

What Don’t FMG’s Car Insurance Policies Cover?

Similar to many other insurers, FMG does not cover its customers for any claim if you have been reckless or irresponsible while driving, or those operating their vehicle outside the terms of their licence.

What makes FMG’s car insurance different?

FMG is New Zealand’s leading rural insurer, providing insurance that covers New Zealander’s farming, lifestyle, domestic and commercial requirements. It offers the flexibility to meet the needs of the individual.

About FMG

FMG has been an important part of the New Zealand farming landscape for over 100 years. They are a mutually owned insurer that was formed to help rural Kiwis protect their farms and livelihoods. 

Check out the link below to see how FMG compares against other insurers:

Compare Car Insurance with Canstar


Written by: Nicole Barratt | Last updated: June 30, 2020