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FMG — Car Insurance Review

3 cover tiers from Farmers Mutual Group (mutual; FMG Insurance Limited) · fmg.co.nz

Last refreshed 2026-05-20 · Data source: Supabase insurance.

Cover tiers
3
Comprehensive · Third Party, Fire & Theft · Third Party
RBNZ Financial Strength
See RBNZ register
RBNZ register
Legal entity
Farmers Mutual Group (mutual; FMG Insurance Limited)

Underwriter and distribution

100% NZ-owned rural mutual. Direct-to-rural-members.

Farmers' Mutual Group — focuses on rural communities, farm vehicles, lifestyle blocks. Mutual ownership structure (no external shareholders).

Cover tiers offered

NZ motor insurance is sold in three standard tiers. FMG offers 3 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.

Comprehensive

Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.

View FMG policy wording ↗

Third Party, Fire & Theft

Covers damage to other people's property if you cause an accident, plus fire and theft of your own vehicle. Does NOT cover accident damage to your own vehicle.

View FMG policy wording ↗

Third Party

Covers damage to other people's property if you cause an accident. Does NOT cover any damage to your own vehicle. The minimum sensible cover for a car driven on NZ roads.

View FMG policy wording ↗

Products and policy wordings

FMG publishes 2 separate consumer motor products. Each has its own policy wording (or set of per-tier wordings).

FMG — Vehicle Insurance

Flagship 1 wording

FMG — Essential Private Vehicle

1 wording

Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.

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