Benefits (for comprehensive cover only)
No excess for glass claims
We don’t apply an excess to repair or replace damaged windscreens and other vehicle glass.
Liability
Covers the legal liability of you and approved drivers for damage caused to others’ property or person.
Hoists
We cover your hydraulic rams, hoists or other equipment permanently attached to your vehicle.
Replenishment costs
Cover of up to $5,000 per event, to replace fire-fighting equipment after it has been used to protect your vehicle from loss covered under this policy.
FMG’s Commercial Vehicle policy has multiple levels of cover available for vehicles used primarily for your business operations, including trucks, utes, vans, harvesters, tractors, and balers.
FMG recommends Comprehensive cover for all vehicles insured with us, to make sure clients have the cover they need if an unforeseen event happens.
Comprehensive cover under this policy includes cover for the vehicle itself, its accessories and spare parts, as well as your legal liability as the owner and driver of any listed vehicle.
Third Party Only, Third Party Fire and Theft, and Fire and Theft covers are also available under this policy. See policy wording for more details.
If you choose to insure your vehicles as a fleet, you can make any additions or deletions to the fleet when your policy is up for renewal, rather than each time you make changes to your fleet during the period of insurance.
Optional benefits (for comprehensive cover only)
You can purchase optional benefits for even more comprehensive cover
Additional costs – hire vehicle or contractor
Covers the reasonable cost of hiring a similar size and type of vehicle, or hiring a contractor to carry out business, following a loss we’ve accepted a claim for under this policy. We’ll pay up to $20,000 or any higher amount of cover you choose.
Natural hazard (Natural disaster) – FMG recommended
Cover for damage caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslide.
To understand which policy wording applies 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.
For more information on our recent policy changes click here.
This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.
Commercial Motor Vehicles Policy Wording Effective for new policies, items or renewals from:
