# FMG — Vehicle Insurance — FMG

**Insurer:** FMG (`fmg`)
**Product slug:** `car`
**Status:** active
**Vertical:** car
**Extraction confidence:** inferred

**Wording effective:** 2024-07-01
**Source PDF:** https://www.fmg.co.nz/__data/assets/pdf_file/0019/110197/superior-private-vehicle-policy-wording-July-24.pdf
**PDF hash (sha-256, first 16):** `86ba85d793320634…`

## Glass

{"side_rear_covered":"yes — 'window glass' is explicitly listed alongside windscreen and sunroof glass with no excess","no_excess_for_repair":"No excess applies to claims solely for accidental breakage of your private vehicle's windscreen, window glass, sunroof glass, or driving lights.","windscreen_excess_nzd":0}

## Excess

{"standard_nzd":"As shown on the certificate","windscreen_nzd":"No excess applies to claims solely for accidental breakage of your private vehicle's windscreen, window glass, sunroof glass, or driving lights"}

## Exclusions

["driving under the influence of alcohol, drugs or any other intoxicating substance, or with a proportion of alcohol in blood or breath exceeding the legal limit, or failing/refusing to supply a blood or breath sample or other test as required by law","failing or refusing to stop or remain at the scene following an accident as required by law","consequential loss including penalties, loss of use of property, loss resulting from delays, loss of market, loss resulting from depreciation, loss of value","use of your private vehicle in a way that is beyond its design capabilities","motor driving instruction, unless it is to teach you or a member of your family to drive","driving or using by any person who does not hold an appropriate licence or breaches any conditions of their licence","vehicle hired by your employee in your employee's own name","unattended vehicle left in a public place without locking it and removing the keys, resulting in theft or illegal conversion","loss of electronic data","racing, time and/or reliability trials, rallying, pacemaking, motor sports events, driving on a race track, competitive motor cross or trail bike events, any similar or related event, or practising or testing for any of the above","vehicle not in a safe and roadworthy condition (unless condition did not cause or contribute to accident and driver did not know and could not reasonably have known)","use in connection with the motor trade, sales, service or collection, driver instruction, or the carriage of goods or samples (unless part of farming operations)","use by commission agent, commercial traveller, insurance representative or assessor, stock/station/land/real estate agent, manufacturing agent, or company representative","vehicle hired out (unless you are driving it and usage is comparable to what you would usually use the vehicle for)","carrying passengers for hire or reward other than as part of a car-sharing agreement","confiscation","nuclear materials","war","breakdown or failure to engine, transmission, electrical or electronic system, or mechanically or hydraulically operated system (subject to exceptions)","inherent defect or fault, or defective workmanship, materials, or design (to the part first affected)","wear and tear, deterioration, rust, corrosion","loss to tyres or their tubes caused by punctures, cuts, splits, bursts, or the application of brakes (subject to exceptions)","legal liability for loss to property you own or have under your care or control (subject to exceptions)","legal liability for bodily injury to any person caused by an accident while that person is driving your private vehicle, or covered by the Accident Compensation Act 2001","legal liability for loss to roads, underground services, bridges, viaducts, weighbridges, paths or anything beneath such structures due to vibration or weight","legal liability connected with ownership or use of any aircraft or watercraft","legal liability for fines, penalties, sentence of reparation, or punitive or exemplary damages","legal liability where you have agreed to accept liability where there would otherwise be none","terrorism involving nuclear, biological or chemical weapons, substances or contamination"]

## Rental Car

{"days":30,"after_theft":"yes — optional benefit 3.1 applies to any loss covered under this policy with no theft exclusion stated","daily_cap_nzd":100,"after_at_fault":"yes — optional benefit 3.1 applies to any loss covered under this policy with no at-fault exclusion stated"}

## Value Basis

{"market_default":"yes — 'present-day value' (defined as market value immediately before the loss, or replacement cost less an allowance for age and wear and tear) is a settlement option","agreed_available":"yes — 'the amount shown on the certificate' is one of the settlement options","total_loss_basis":"If your private vehicle is a total loss, we may settle your claim by paying either: the present-day value of your private vehicle, or the amount shown on the certificate.","sum_insured_increases":"No explicit annual indexation rule stated in this wording"}

## Modifications

{"must_be_declared":"You must let us know promptly if the private vehicle has any modifications that are not standard manufacturer's specifications.","performance_mods_excluded":"No explicit blanket exclusion of performance modifications stated in this wording","cover_voided_if_undeclared":"We may change the terms of this insurance in those circumstances, because modifications may affect the risk."}

## Natural Disaster

{"hail_covered":"yes — private vehicle is insured for accidental loss anywhere in New Zealand","flood_covered":"yes — private vehicle is insured for accidental loss anywhere in New Zealand","storm_covered":"yes — private vehicle is insured for accidental loss anywhere in New Zealand; storm damage to caravan awnings has a specific limitation but vehicle cover is broad","volcanic_covered":"yes — 'Your private vehicle is insured for accidental loss caused by natural hazard (natural disaster).' Natural hazard includes volcanic eruption.","earthquake_covered":"yes — 'Your private vehicle is insured for accidental loss caused by natural hazard (natural disaster).' Natural hazard includes earthquake (including earthquake fire)."}

## Ride Share Rules

You are not insured for any loss or liability while your private vehicle is either hired out, unless you are driving it and this usage is comparable to what you would usually use the vehicle for, or used to carry passengers for hire or reward other than as part of a car-sharing agreement.

## Territorial Scope

This policy covers your insured property while it is in New Zealand, and your liability that arises as a result of an event in New Zealand. However, if another location is shown on the certificate, you will also be covered in that location.

## Business Use Rules

Private use includes your professional or business purposes, if that is shown on your certificate, and use for your employer's business under section 7.2. Use in connection with the motor trade, sales, service or collection, driver instruction, or the carriage of goods or samples (unless part of farming operations), and use by commission agents, commercial travellers, insurance representatives or assessors, stock/station/land/real estate agents, manufacturing agents, or company representatives is excluded.

## Cover Tiers In Wording

["comprehensive"]

## Machine-readable endpoints

- Structured facts: `/api/car/product/fmg/car/facts.json`
- Full markdown wording: `/api/car/product/fmg/car/wording.md`
- Version history: `/api/car/product/fmg/car/history.json`
- Insurer profile: `/api/car/insurer/fmg/summary.md`

## Citation

Cite as: FMG FMG — Vehicle Insurance policy facts (wording effective 2024-07-01), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/car/product/fmg/car/summary.md
Primary source: https://www.fmg.co.nz/__data/assets/pdf_file/0019/110197/superior-private-vehicle-policy-wording-July-24.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz