Understanding your policy changes

During the year FMG reviews client feedback and market changes and, where necessary, make changes to our policies.

Below is a summary of the main changes we've made. FMG Changes to Insurance gives a high level of summary of the main changes across our policies, including definitions. The FMG Policy Change Guides below highlight the details of changes made to FMG policy wordings.

To understand which of our policy wordings apply to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

This summary highlights changes to your FMG policy wording. Importantly, this document is only a summary of the enhancements and changes, so ensure you read it in conjunction with your renewal certificate(s) and the full policy wordings available under "What we cover".

You can also request a copy of your policy wording to be emailed to you, or a printed copy, by calling our National Advice and Service Centre team on 0800 366 466.

We encourage all FMG clients to review these changes to see which ones may be relevant to you.

Applicable to policies that renew on or after 1 November 2023:

FMG Policy Change Guide 2023 FMG-2023-Policy-Change-Guide.pdf [PDF File 476.2 KB]

Applicable to policies that renew on or after 1 November 2022:

FMG Policy Change Guide 2022 FMG-2022-Policy-Change-Guide.pdf [PDF File 262.4 KB]
FMG Changes to Insurance 2022 Changes-To-Insurance-Leaflet-2022.pdf [PDF File 2.5 MB]

Select your policies

    Commercial Motor Vehicle Policy

    • What?

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      We have also updated ‘Natural Landslip’ to ‘Natural Landslide’ and re-worded the Natural Landslide definition to match the Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Why?

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.  There is no change in your FMG cover.

      When?

      This change affects all policies renewing on or after 1 July 2024.

      Page and Clause What has changed? Why has it changed?
      Throughout the policy

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Page 28 – Definition of Natural Hazard We have updated ‘Natural Landslip' to ‘Natural Landslide’ and re-worded the Natural Landslip definition. These amendments are to match the Natural Hazards Insurance Act 2023.  
      There is no change in your FMG cover.

    Contract Works Policy

    • What?

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      We have also updated ‘Natural Landslip’ to ‘Natural Landslide’ and re-worded the Natural Landslide definition to match the Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Why?

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.  There is no change in your FMG cover.

      When?

      This change affects all policies renewing on or after 1 July 2024.

      Page and Clause What has changed? Why has it changed?
      Throughout the policy

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Page 16 – Definition of Natural Hazard We have updated ‘Natural Landslip' to ‘Natural Landslide’ and re-worded the Natural Landslip definition. These amendments are to match the Natural Hazards Insurance Act 2023.  
      There is no change in your FMG cover.

    Disability Assistance Policy

    • What?

      We have updated references to ‘EQC’ to match the new name under the Natural Hazards Insurance Act 2023 – The Natural Hazards Commission Toka Tū Ake.

      Why?

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.  There is no change in your FMG cover.

      When?

      This change affects all policies renewing on or after 1 July 2024.

      Page and Clause What has changed? Why has it changed?
      Page 5 - We comply with the Privacy Act 2020

      We have updated reference to EQC to align with the new name – The Natural Hazards Commission Toka Tū Ake.

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.
      There is no change in your FMG cover.

    Essential Farm Vehicles Policy

    • What?

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      We have also updated ‘Natural Landslip’ to ‘Natural Landslide’ and re-worded the Natural Landslide definition to match the Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Why?

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.  There is no change in your FMG cover.

      When?

      This change affects all policies renewing on or after 1 July 2024.

      Page and Clause What has changed? Why has it changed?
      Throughout the policy

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Page 24 – Definition of Natural Hazard We have updated ‘Natural Landslip to ‘Natural Landslide’ and re-worded the Natural Landslip definition. These amendments are to match the Natural Hazards Insurance Act 2023.  
      There is no change in your FMG cover.

    Essential Private Vehicles Policy

    • What?

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      We have also updated ‘Natural Landslip’ to ‘Natural Landslide’ and re-worded the Natural Landslide definition to match the Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Why?

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.  There is no change in your FMG cover.

      When?

      This change affects all policies renewing on or after 1 July 2024.

      Page and Clause What has changed? Why has it changed?
      Throughout the policy

      We have updated references to ‘Natural Disaster’, and ‘EQC’ to match the new names under the Natural Hazards Insurance Act 2023. This means:

      - Updating “Natural Disaster” to “Natural Hazard (Natural Disaster)”

      - Updating “EQC” to “Natural Hazards Commission Toka Tū Ake”

      Your policy has been updated to comply with the new Natural Hazards Insurance Act 2023.

      There is no change in your FMG cover.

      Page 24 – Definition of Natural Hazard We have updated ‘Natural Landslip' to ‘Natural Landslide’ and re-worded the Natural Landslip definition. These amendments are to match the Natural Hazards Insurance Act 2023.  
      There is no change in your FMG cover.
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