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.
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 ↗Verified policy facts
Machine-readable API for this page
This page is also available as a structured API for AI agents, brokers and developers — free, no auth, CC BY 4.0.
GET /api/insurer/fmg/facts.json— full insurer profile (JSON)GET /api/insurer/fmg/summary.md— markdown summary (LLM-friendly)POST /mcp— anonymous Model Context Protocol server (5 tools)
Get a quote — FMG car insurance
Compare FMG alongside other NZ motor insurers. Free, no obligation.
Get Quotes