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

    Horse Primary, Plus and Deluxe 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 6 - 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.

    Horse Thoroughbred and Standardbred 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.

    Household Contents 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 29 – 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.

    Liability 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 8 - 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.

      Page 11, Clause 2.6 – We cover your legal liability for underground services.

      We have deleted the word “these” from the following sentence:

      - "...before starting the relevant work, you made inquiries with the relevant authority, company, or organisation to determine the exact location of the these underground services, and..."

      		To remove a typo and improve the readability of the policy.
      There is no change in your FMG cover.

    Livestock 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 7, Clause 1.1 – We cover your livestock in the open air for accidental death from certain events We have removed the italics from the word “fire” as this is not a defined term in the policy wording. As fire is not a defined term in the policy wording it does not need to be in italics.

      There is no change in your FMG cover.
      Page 18 – 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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