FMG Commercial Motor — Misfuel IS Covered

FMG Insurance Misfuel Claim

FMG Commercial Motor Vehicle policy covers misfuelling and fuel contamination where reasonable care is taken — including remedial cleaning costs even where no accidental loss occurs.

Call Eek Now: 0808 280 6346

24/7 Emergency Service — FMG-ready claim report included

FMG — NZ's Rural and Commercial Insurance Specialist

FMG (Farmers Mutual Group) specialises in cover for farms, rural businesses, and commercial vehicles. Their Commercial Motor Vehicles policy explicitly covers fuel contamination and misfuelling events — a common occurrence with farm machinery, trucks, and fleet vehicles.

This page covers FMG's Commercial Motor Vehicles Policy. If you hold a personal vehicle policy through FMG, check your specific policy wording.

What FMG Covers

Misfuelling — putting the wrong fuel type in a covered vehicle
Fuel contamination incidents where reasonable care was taken
Remedial cleaning and fuel system recovery costs
Coverage applies even where no accidental physical loss or damage occurs — the contamination event alone is covered
Commercial vehicles including trucks, tractors, and farm machinery

Key Condition — Reasonable Care

FMG's coverage requires that reasonable care was taken. Misfuelling at a pump while following normal refuelling procedures meets this standard. Deliberately putting wrong fuel in a vehicle, or continuing to drive after discovering the contamination, would not.

Source: FMG Commercial Motor Vehicles Policy Wording (2019-20). Always verify against your current policy schedule.

How to Claim on FMG — Step by Step

  1. 1
    Stop immediately — do not run the engine

    Switch off the vehicle if safe to do so. Do not crank or start the engine if you have not already. For vehicles that stalled: do not restart.

  2. 2
    Call Eek: 0808 280 6346

    Eek handles all vehicle types — cars, utes, trucks, and farm vehicles. We come to your location, assess on-site, and tow your vehicle to our workshop where the contaminated fuel is drained, the system flushed, and everything documented.

  3. 3
    Pay Eek upfront

    You pay Eek directly. Eek is not part of FMG's supplier network. You claim reimbursement from FMG after the work is done.

  4. 4
    Receive your claim report

    We provide a detailed GST invoice and technical incident report — contamination type, litres extracted, components inspected, full cost breakdown. This is the documentation FMG needs to process your claim.

  5. 5
    Lodge your FMG claim

    Contact FMG and lodge under your Commercial Motor policy. Attach the Eek report and invoice. FMG assesses and reimburses covered remedial cleaning and repair costs.

Wrong fuel in your commercial vehicle?

Call Eek. We handle all vehicle types and provide the FMG-ready report your claim needs.

0808 280 6346
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