Your online insurance service - FMG
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
December 2020 - February 2021
Your online insurance service
Meet one of
FMG’s 65
pre-approved
repairers
Page 6
The link between
diminished wellbeing
and on-farm injuries
Page 7
House cover
Have you got enough?
Page 8
2020
Read this story on page 3
FMG POST | DECEMBER 2020 - FEBRUARY 2021 1
Note from
Chris Black
January 23
FMG Young Farmer of
FMG Connect complements our core the Year Regional Final
telephone and face to face channels, Taranaki/Manawatu
which we are looking to keep investing in
as well. We have established a network February 13
of preferred panel beaters. Again, this is
designed to make things easier and faster FMG Young Farmer of
to get you back up and running after your the Year Regional Final
vehicle has been damaged. East Coast
At a structural level, the insurance
industry has agreed a new claims model February 20
with EQC which should make it easier to FMG Young Farmer of
recover after a natural disaster, something the Year Regional Final
we have been advocating for 10 years now Northern
on your behalf.
I think the events of 2020 remind us that 27 February
2020 will go down as ‘a year while we can’t control or influence a lot
FMG Young Farmer of
like no other’; politically, of things in life, what we can do is plan
the Year Regional Final
socially, environmentally and and prepare the best we can. That’s why
Waikato/Bay of Plenty
economically. As a mutual, we continue to put a lot of store in taking
FMG is underpinned by four the time to get the right advice where
one needs it and then act on that, as
core values; ‘doing what’s right, March 6
appropriate. This edition has a number of
‘being in it together’, ‘making articles in this regard.
FMG Young Farmer of
things happen’ and ‘proud of the Year Regional Final
who we are’. I’m conscious 2020 has presented all of Otago/Southland
us with plenty of challenges. On behalf of
These have been at the forefront of our our whole FMG team, I hope you manage
decision making this year as we have to get a well-earned break at some point March 20
navigated increased uncertainty, as we over the summer. And if you need help at FMG Young Farmer of
appreciate you have as well. any stage, please free to contact us. the Year Regional Final
Farmstrong, which is New Zealand’s All the best for the festive season. Aorangi
leading rural wellbeing programme, has
proved its worth again this year, reminding Kind regards,
March 27
us that investing in your own wellbeing
ahead of time pays dividends. Sincere FMG Young Farmer of
thanks to all those who continue to support the Year Regional Final
Farmstrong in so many different ways. Tasman
This year we have had a keen focus on
enhancing our service model. In this To find out more please visit the
Chris Black
edition of FMG Post, we explain more contest website:
Chief Executive, FMG
about our new service FMG Connect, www.youngfarmers.co.nz
an online facility designed to give you or go along and support your
more choice in terms of managing your local young farmers.
insurance with FMG.
We are delighted to provide the FMG Post to our clients three times a year. If you’d prefer to receive your copy via email or by post, please give us a call on 0800 366 466.
2 FMG POST | DECEMBER 2020 - FEBRUARY 2021
Here’s what clients are
already saying about
FMG Connect
Manage your insurance
online with FMG Connect I just added a vehicle
to my policy, it was so
easy to do online.
FMG Connect, your new online insurance service is now - Helen
available—you can register online today.
FMG Connect allows you to easily view and manage your insurance online—any time,
from any device. You can make general claims, view all your insurance with FMG and
manage common policy covers. I always found it
hard engaging in
Here’s what you can currently do on FMG Connect:
my insurance and
having visibility of our
IT’S EASY TO CLAIM MANAGE YOUR policies—because
INSURANCE POLICIES everything just got
filed and wasn't easy
• Fast claim
• View all of your to go through. This
processes for:
FMG policy details is so great!
- Windscreens
in one place - Rachel
- Electronic items
under $5,000 • Add, edit and
- Glasses remove private
- Hearing aids vehicles, and adjust
- House glass sum insured value It’s very interactive,
• Lodge vehicle • Edit and remove able to do what I
accident and household contents needed to do (remove
damage claims a car that was sold
• Edit and remove and update value of
• Lodge claims for: house cover
new car) quite easily.
- Domestic contents - Rebecca
- Farm contents
- Commercial MANAGE YOUR
contents
FMG ACCOUNT
- Baled hay
- Portable plant and • Update your
contact details Very happy, glad to
equipment be able to review my
- Stock • Choose to receive policies easily and
• View all open and statements by make adjustments
closed claims and email or post that suit me and
the current status of • Review authorities my business.
your claim on your account - Sam
IT’S SIMPLE TO REGISTER
To set up FMG Connect go We’re still available in all of Scan here using your
to fmg.co.nz/connect. the usual ways but we hope phone's camera to
Have your account number that FMG Connect gives you set up FMG Connect
on hand (found on the top of more choice, convenience and
your statement) and an email control of your insurance.
or phone number linked to
your account. For more information, and
We’re continually adding to login if you’re already
more features to FMG Connect on FMG Connect, head to
so you can do even more fmg.co.nz/connect
online in the future.
FMG POST | DECEMBER 2020 - FEBRUARY 2021 3
CLIENT FOCUS
A Passion for
Perendales
Jane Smith has a passion for Perendale sheep.
Growing up on her parent’s sheep farm in North Otago
she now runs a 9,000-stock unit operation called Newhaven
Perendales with her husband, Blair. The Smith's 3 children are
also the 5th generation to live on the North Otago-based farm.
Wool is naturally resistant to
fire whereas synthetic carpets
melt. The fumes from the
Avoid
synthetic carpet are actually very lameness and
harmful hydrogen cyanide fumes; ulcers in your
experts tell us that these fumes
are even worse than the smoke
horse
Lameness, tendon and ligament
itself, says Jane.
injuries, ulcers and colic make
Jane says the other benefits of wool for up most of the claims from
carpets inside the home are that it’s hypo- FMG equine policies, says
allergenic, easy to clean, improves indoor FMG’s Manager Advice Services,
air quality and is naturally crush resistant. Stephen Cantwell.
The Perendale fleece performs particularly
Blair and Jane Smith with George (9) and Henry (11) - Stephen spoke with equine and
with daughter Charlotte (13) at boarding school well in high traffic areas such as hotels, due
production animal veterinarian,
to its ‘bulk’ attributes. The fleece also sits
Jane has a self-confessed ‘obsession with Ellie Grieves from Totally Vets,
at the finer end of the crossbred scale and
agriculture’ and her success both on and Awapuni about the causes and
because it has a natural whiteness, it’s easy
off the farm is evidence of this. Before what we can do to help protect
to colour.
returning to the farm she was awarded the horses from these sorts of
With these qualities it’s easy to understand injuries or ailments.
New Zealand Young Rural Achiever Award
Jane’s position on New Zealand wool. As a
and the Sir Ronald Trotter Gold Medal
mother she points out that with a synthetic
during her 10 years in agribusiness.
carpet, a crawling baby is spending a lot of
Back on the farm, continuing her family’s time on a flooring that is the equivalent of
legacy of raising exceptional dual-purpose tens-of-thousands of plastic bags.
Perendale sheep is her focus. “We put equal Further, synthetic carpet has added
weighting on having a great fleece and stain and fire-resistant treatments
lamb product—why not produce the best applied to it, which is another layer
possible fleece that you can?” she says. of toxic chemicals.
With a stud flock as well, genetics are also “Synthetic carpets have been
critical. “At Newhaven, every single animal marketed well, considering
needs to perform both in the paddock and they are a product made of oil
on paper—not one or the other—genotype and plastic. There is a perception
and phenotype are both important—but around the cost of wool carpet, but I do Read Ellie’s
physical conformation and performance are think people need to consider all the other advice by scanning
always our number one priority,” says Jane. benefits of wool and the fact that the upper the QR code or visiting
end of synthetic carpet sits in the same www.fmg.co.nz/
Jane is particularly proud of the Perendale price range as a wool carpet. avoidlameness
fleece and is an advocate for the many
benefits of New Zealand wool, including “Wool is energy efficient as its produced
the fire safety attributes wool has over its from renewable and natural resources—
synthetic counterparts. sheep need to be shorn, and it’s
biodegradable. Also, wool is a 100% New
As a former volunteer firefighter, Jane Zealand made product. This is something
says she saw first-hand the differences in that we value and need to make sure that
the damage a house with synthetic carpet today’s savvy global consumer does as
sustained. well,” says Jane.
4 FMG POST | DECEMBER 2020 - FEBRUARY 2021
Rural theft peaks OVER THE PAST 3 YEARS:
in January $6 MILLION
Our claims data has shown that January is when paid out in domestic contents
theft claims
thieves set out to steal from rural properties.
$3 MILLION
Stephen Cantwell, FMG’s Manager Advice, says
theft is the leading cause of farm contents’ claims.
“January appears to be the month when thieves are most in farm contents theft claims
active. Not only are the number of claims higher in January
but the average value of claims is 23% higher.”
Claiming for lost or stolen contents
If you have lost an item, or had
something stolen:
Whether you’re on holiday or on the farm, free online asset register created by the
there are actions you can take to help to NZ Police at www.snap.org.nz • let the police know straight
deter thieves targeting your property. away and take note of the file
“We also suggest using a wheel lock or reference number
“If you’re going away, have a trusted clamp on your trailer when not using it,
neighbour, friend or family member particularly if you’re going away.” • check whether any house or
regularly check in on your property. Get vehicle keys have been stolen.
If you’re staying on-farm be mindful
them to clear your mailbox and entrances Get ready to claim
that thieves also target quad bikes—and
of mail, packages and junk mail. If rubbish Once your claim is lodged we'll need a
particularly older bikes—at this time
collections are operating in your area, list of the items, their approximate age,
of year.
ask them to put your rubbish out on your and a quote to replace them. We can
collection day. This approach is a good “Our experience is that older bikes are help arrange this for most electrical
deterrent if thieves are scouting the area. easier to sell off, which is what makes items including mobile phones and
them so attractive to steal.” if an assessor is appointed, they can
“You could install automatic timer or
sensor lighting around your property Our claims’ data shows that quads are help with this as well.
including at both the front and rear of often stolen when the keys are left inside. We may also need proof of ownership
your house. Mount them high enough This goes for other vehicles too. such as receipts, photos or warranties.
to prevent criminals from being able to
“This can happen even if you’re on farm You also claim through FMG’s new
remove the bulb or cover the sensor.”
and particularly if you’ve parked up online insurance service FMG Connect
Other tips include engraving valuable to do some work and leave your bike – www.fmgconnect.co.nz
equipment—this makes it less desirable unattended. We recommend keeping
to thieves and easier to identify. It's also your keys on hand or out of sight,
a good idea to record details and serial particularly when working in paddocks For more advice head to
numbers of high value assets on SNAP, a near public roads.” www.fmg.co.nz/advice/rural-theft
Why the new Natural Disaster Response Model is great news
A new Natural Disaster Response FMG, along with other private insurers “After the 2016 Kaikoura earthquake
Model (NDRM), announced in have worked with EQC on a partnership we had a temporary agreement to
November is great news for you. to deliver the NDRM. manage claims on behalf of EQC and we
Nathan Barrett, FMG’s Chief Product know from many of our clients that this
This means if you have home insurance,
& Pricing, Underwriting and Claims worked well for them.”
and your home or land is damaged in
Officer says the Mutual has been a a natural disaster, you’ll only need to FMG will act as an agent
strong advocate for the NDRM following lodge one claim with us. Previously you for EQC and we’re
the 2010 Canterbury earthquakes, would’ve had to make two claims— adding to our
instigating discussions for this change. It's anticipated
one to EQC up to a capped level of the claims and that this change
“With this new model if you’re impacted damage and the other to FMG for top- assessing will come into effect
by a natural disaster and need to up cover losses. teams. in the second quarter of
make a claim then all you need to do 2021.
is contact us. At an already stressful “We want to make sure our employees are Until such time, please lodge
time we’re now able to make the road to supported and that we continue to offer the any claims directly with
recovery much simpler,” says Nathan. EQC, unless we advise
same level of service to our clients.” otherwise.
FMG POST | DECEMBER 2020 - FEBRUARY 2021 5
Meet one of
FMG’s 65 pre-approved repairers
On a particularly warm Whangarei morning, collision technician
Carl Henty sets to work on a 2015 Ford Ranger that suffered some
costly damage. It turns out the client’s 830kg Angus bull didn’t
appreciate the ute blocking his view from the cows.
Thankfully, because Louie Berkers Over the past year, around
Collision Repair is part of FMG’s
two dozen local paint and panel
pre-approved repairer family, Carl can
get on with the job without the need for shops have closed their doors,
an insurance assessor. according to the Collision
Starting as an apprentice collision Repair Association.
technician in 1997, Carl progressively “This industry has seen a large shift to
worked through the ranks and bought vertical integration (where insurance
the business in 2007. Growing up on the companies own part or all of a paint and As a self-described ‘petrol head’ Carl has rebuilt a 1969
Morris Minor Ute and a 1938 Chev Coupe.
family beef farm near Hukerenui, Carl was panel chain and consolidation, and big
always tinkering with motors, bikes and body shops buy up smaller ones). We
“Provincial New Zealand is full of small,
farm equipment. are now looking at the new norm where
local and family run businesses who
“At the end of Year 12, I was offered this repairers are expected to sacrifice quality
often give back to their local communities
apprenticeship and never looked back.” for quantity. Quality is remembered long
too. We’re a proud Platinum sponsor
after price is forgotten, that’s what makes
of Northern Rugby club at Hukerenui,
Louie Berkers Collision Repair is one FMG different.” says Carl.
Pines and Northland Golf Club, and
of 65 pre-approved repairers that have
“As an FMG client myself, it makes sense Kaurihohore school.
partnered with FMG across the country.
This means they can go ahead with certain to see their relationship model extend
“Sustainable business is becoming
repairs as soon as the claim is lodged. to their repairer and supplier network
increasingly important and where possible
too. They are always looking for ways to
we look to improve our environmental
This reduces wait time and also helps improve their communication and claims’
impact. We have a water-based basecoat
ensure that repairers have the backing to process—which has real advantages
paint product, a dedicated wash bay
do a quality job, while supporting local, for their clients too. We must pass a
facility and recycle bins for steel, plastic
family run businesses to keep their doors meticulous audit to become an FMG
and cardboard.”
open across provincial New Zealand. approved repairer.
Northland and Auckland Bay of Plenty
• Ballentynes Collision Repair Centre Henderson • Smith and Boyle Tauranga
• Peter Nicholls Panelbeaters Pukekohe • Cavanagh Panelbeating Te Puke
• Warkworth Collision Repair Warkworth • Katikati Panel Works and Car Painters Katikati
• Panmech Services Newmarket • Haddock Spraypainters & Panel Whakatane
• Louie Berkers Collision Repairs Centre Whangarei • Mt Maunganui Collision Repairs Ltd Mount Maunganui
• Gillespie Panelbeaters Dargaville
• Watons Panel and Paint Ltd Kaitaia
• Murphy Panel and Paint Waiuku Gisborne and Hawkes Bay
• Jim Russ Panelbeaters & Spraypainters Kerikeri • Kawan Collision Repair Hastings
• Kumeu Huapai Panelbeaters Kumeu • GM Panelbeaters Waipukurau
• City Collision Repairs Napier
• Allan Kellett Panel & Paint Gisborne
Waikato and Coromandel
• Rod Wood Collision Repair Centre Ltd Te Rapa
• Summerell Panel and Paint Ltd Morrinsville Manawatu and Whanganui
• Devoy Panel Works (ex Tony Fabish) Te Awamutu • James and Kingsbeer Ltd Palmerston North
• Valley Panelbeaters 1995 Ltd - Haddock Thames • Dittmer Collision Repairs Palmerston North
• Sherms Panel Repairs Ltd Matamata • Wiseman Panelbeaters Ltd Feilding
• Putaruru Panelbeaters Putaruru • Larsen Collision Repairs Ltd Wanganui
• PSY Slater Panelbeaters Rotorua • Peter Morgans Panelbeaters Dannevirke
• Taupo Smash Repairs Taupo • Colling & Gray Ltd Levin
• Pedens Collisions Repair Huntley
• Prestige Collision Repairs Ltd Te Rapa
Waiarapa and Wellington
• Rob Walker Spray Painters and Smash Repairs Masterton
• Johnsonville Panelbeaters Johnsonville
Taranaki
• Ben Thomas Panelbeating Hawera
• Stratford Panelbeaters Stratford Nelson, Tasman and Marlborough
• Grant Crossan Panelbeating New Plymouth • Collision Centre Richmond Richmond
• Marlborough Panel and Paint Blenheim
• Wadsco Panel and Paint Blenheim
• Spectrum Spray Painting Ltd Nelson
Southland and Central Otago
• Bridgman Street Panelbeaters Dunedin
• Road Runner Panel and Paint Invercargill West Coast and Canterbury
• Beatties Collision Repair Centre Gore • Hesson and Browry Collision Centre Ltd Addington
• Vincent Holdings Ltd Alexandra • North Canterbury Collision Repair Rangiora Rangiora
• Riteway Panel and Paint Ltd Oamaru • Brown and Shipman 1969 Timaru • Stewarts Panel Repairs Geraldine
• North Otago Motor Group Oamaru • Holland Collision Centre Rolleston • Pleasant point Panelbeaters Pleasant point
• Garry Milne Panelbeating 2006 Balclutha • KB Panel and Paint Services Ashburton • Hokitika Collision Centre Ltd Hokitika
• Macks Panel and Paint Repairs Winton • North Canterbury Collision repairs Amberly Amberley • Mark Jones Collision Repairs Greymouth
• Queenstown Collision Queenstown • North Canterbury Collision repairs Kaiapoi Kaiapoi • Darfield Collision Centre Ltd Darfield
6 FMG POST | DECEMBER 2020 - FEBRUARY 2021
Link between diminished
wellbeing and on-farm injuries
Research undertaken by rural wellbeing programme Farmstrong has
established the link between diminished wellbeing and on-farm injuries.
Most mentioned
The study of 500 farmers receiving ACC I learned the hard way about how The aspects of diminished wellbeing
support quantified the extent to which most mentioned as ‘major’
hazardous fatigue can be. Ten years contributors to injury were:
diminished wellbeing had contributed to
their accident. ago, I was very tired after calving
and we were having issues with an Having too much
old fan-belt driven water pump. I 11% to do and not
What did we find out? enough time
went to check it and realised there
• 58% reported that at least one of
was a burr in the belt, but because I
the 15 listed aspects of diminished 8% Feeling fatigued or
exhausted
wellbeing was a contributor to was exhausted, rather than turn the
their injury. machine off, without thinking I put
• 24% reported diminished my hand in the middle and it went 6% Lack of sleep or
poor quality sleep
wellbeing as a ‘major’ contributor through the pulley. It caught me
to their injury.
and I lost a finger. It was a hell of a Challenges coping
• 16% reported diminished
wellbeing was a ‘major’ contributor
lesson—you’re not much use on a 5% with the ups and
downs of farming
to a more serious injury. farm when you’re tired. When you’re
tired, the simplest of decisions and Feeling in need of
• 30% of the ACC farmer claim
costs had a ‘major’ diminished tasks can become very difficult. 5% a break away from
the farm
wellbeing link.
Paul Walker run a 300-cow,
90-hectare dairy farm in Pongakawa
On the positive side, the study also found New Zealand Workplace
that farmers who had engaged with Farmstrong helps farmers cope with the Health and Safety award win
Farmstrong were less likely than others to ups and downs of farming by sharing things Farmstrong received the Supreme
report diminished wellbeing as a ‘major’ farmers can do to look after themselves Award for best overall contribution
contributor to a more serious injury. and manage stress and pressure. to improving workplace health
and safety. It was also awarded
best leadership of an industry
Find out what works for you: check out www.farmstrong.co.nz sector or region.
Summer holiday travel cover
With summer holidays approaching and a break away on the agenda for many
of us, taking out domestic travel cover is well worth considering.
Jason Rolfe, Head of Client Strategy & Advice the insurance excess in case of an accident,
Services at FMG, says the Mutual’s travel the daily hire rate increases.
insurance provider Cover-More, found that
“It’s worth considering domestic travel cover
one in three of us who take a trip locally which would cover all of your trip, including
experience something unexpected that may the insurance excess on a vehicle hire, often
require support from an insurer. for less than you would pay the hire company.” Please note in
respect of Covid-19:
“Cover-More knows that your luggage can Domestic travel cover also protects you Cover-More have
highlighted that if
be stolen as easily in Christchurch as it can from travel delays, trip cancellations or travellers had to, or
in Calgary. If your child becomes unwell amendments, loss or damage to luggage, loss choose to, cancel
their trip due to a
and you need to cancel your trip, it doesn’t of income, and personal liability. Covid-19 outbreak
under the current
matter if you were travelling to Auckland or domestic travel
“Anecdotally, we’ve heard a lot of New policy, there are no
Amsterdam,” says Jason. provisions for this.
Zealander’s are feeling in a need of break at
With the borders closed, we’ve seen more the moment—make sure you have that extra
New Zealanders look to a hire a campervan. peace of mind by taking out domestic travel
When hiring a vehicle if you choose to reduce cover before you head away,” says Jason.
FMG POST | DECEMBER 2020 - FEBRUARY 2021 7
REAL LIFE
EXAMPLES
House cover: It may cost less than you
think to increase your
Have you got enough? house’s sum insured
Kate’s house in Lake Wanaka
Now’s a great time to check that FMG has the Kate has a superior house
correct information about your house. in Lake Wanaka and upon
reviewing her policy
documents realised that her
square metre area didn’t
When calculating your house’s sum insured You can scan the QR code on this page or include her deck. She called
amount, FMG has sought expert advice on the visit www.fmg.co.nz/insuringyourhome. Of and added the 50 square
rebuild costs for different house construction course, we’re always available to talk through metre deck with a sum insured
types. We’ve made every attempt to calculate your situation, so don’t hesitate to contact us. of $25,000. This increased her
an accurate rebuild cost, but this amount is annual premium by $32.
only an indication of what you may need to If you’ve any doubts, or your house has special
rebuild your house if something happens. or unique features, our advice is to get an Kirsten and Anton’s
independent valuation to establish a suitable Farmhouse
Advice to help you determine the correct sum insured. This can be done by using a:
sum insured for your house is available on Kirsten and Anton live in a
• registered valuer: www.nziv.org.nz 150sqm brick farmhouse on
our website, which includes a comprehensive
guide. There is also information on the • quantity surveyor: www.nziqs.co.nz the outskirts of Hamilton. They
different basis of house claim settlements. • licensed builder: www.lbp.govt.nz recently built a new 50 square
metre garage. Anton called
FMG to add this to his policy
What is a sum insured? and as a result increased
their sum insured by $75,000.
Your sum insured is shown on the policy certificate. This is the maximum payable for any
Adding the garage increased
claim so should reflect the cost to rebuild your home, including demolition and removal of
Kirsten and Anton’s annual
debris costs, and professional fees. It should not include the land value and should not be
premium by $102.
based on the market value or rateable value.
Calendar
11–13 December 13–16 December 16 January 4–6 March
The National Young Taupo Christmas Winton A&P Northland
Horse Show Classic Show Field Days
Hastings Taupo Winton Dargaville
4–6 March 12–13 March 18–20 March 24–26 March
Wanaka A&P Central Districts South Island
Golden Shears
Show Field Days Agricultural Field Days
Masterton
Wanaka Feilding Kirwee
FMG Connect - Visit our website
our online service www.fmg.co.nz
Call us on www.fmg.co.nz/connect
0800 366 466 Write to us at
Email us at PO Box 1943
FarmersMutualGroup contact@fmg.co.nz Palmerston North 4440
8 FMG POST | DECEMBER 2020 - FEBRUARY 2021
You can also read
