> _Markdown transcription of FMG FMG Horse External Accident Only policy wording, effective 2024-07-01. Source: https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/animals/horses/horse-external-accident-only_ --- Horse Accident-Only Insurance Policy Wording | FMG Insurance - - - - - - - - - - - - Skip to navigation - Skip to main content - Skip to footer Close 0800 366 466 Contact us Search logo/connect/20 Log in Register - What we cover - Home, car & contents - Lifestyle blocks - Businesses - Horticulture & viticulture - Dairy farmers - Arable farmers - Sheep & beef farmers - Horses - Life & Health Insurance - Travel - Our policy wordings - Understanding your policy changes - Quotes and claims - Request a quote - Make a claim - Manage your insurance - FMG Connect - Understanding premiums - Understanding renewals and statements - The claim process - Ways to pay - Advice - Dairy - Sheep and beef - On farm - At home - Lifestyle blocks - Business - FMG advice guides - Regional advice - Learning modules - Disaster information - About FMG - Why FMG? - Supporting rural New Zealand - Corporate information - FMG in your region - B Corp Certified - Careers - News - Events - Contact us Get in touch 0800 366 466 Contact us - What we cover - Home, car & contents - Lifestyle blocks - Businesses - Horticulture & viticulture - Dairy farmers - Arable farmers - Sheep & beef farmers - Horses - Life & Health Insurance - Travel - Our policy wordings - Understanding your policy changes - Quotes and claims - Request a quote - Make a claim - Manage your insurance - FMG Connect - Understanding premiums - Understanding renewals and statements - The claim process - Ways to pay - Advice - Dairy - Sheep and beef - On farm - At home - Lifestyle blocks - Business - FMG advice guides - Regional advice - Learning modules - Disaster information - About FMG - Why FMG? - Supporting rural New Zealand - Corporate information - FMG in your region - B Corp Certified - Careers - News - Events - Contact us Horses # Horse external accident only ## Benefits Death Your horse is covered if it dies or has to be euthanised due to an accidental, external and visible injury. Vet costs This policy does not cover veterinary costs to treat your horse. Death due to illness or disease This policy does not cover death of your horse due to an illness or disease. ##### FMG’s Horse External Accident Only policy covers a range of horses, including leisure, on farm and equestrian horses, between 1 to 21 years old and up to $7,500 in value. This cover insures your horse for death in New Zealand only, including when in transit on land, caused by an accidental, external and visible injury. If you’ve taken out this policy with FMG for 12 months or longer, you’re automatically insured for a 90-day cover extension. So, if your horse dies within 90 days of your period of insurance ending, and you notified FMG of the accidental injury, prior to your period of insurance ending, we’ve got you covered. #### What we pay We’ll pay fair market value of your horse, up to the sum insured, plus GST, for any one event. Fair market value This is what a buyer would have reasonably expected to pay for your horse immediately before the loss and takes into account several factors including competition history and breed of the horse. 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. Horse External Accident Policy Wording Effective for new policies, items or renewals from: 1 July 2024 horse-external-accident-policy-wording-July-24.pdf [PDF File 668.1 KB] 1 November 2023 to 30 June 2024 horse-external-accident-policy-wording-Nov-2023-Jun-2024.pdf [PDF File 664.6 KB] 1 November 2022 to 31 October 2023 horse-external-accident-policy-wording-2022-23.pdf [PDF File 2.1 MB] Need horse insurance? We have a handy online form to get your horse insurance application process started. Once you've filled in this form, our equine team will get back to you to arrange cover. Apply for horse insurance Are you covered getting from A to B? Our Private Vehicles policy covers your car, trailers, horse floats and other personal vehicles you use in your daily life, like getting to and from work or the supermarket. 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