Compare NZ Crop Insurance
Providers Side by Side
We do the hard work — comparing FMG, Gallagher, Aon, Farmcover and Howden so you get the right cover at the right price.
Get My Free Comparison →Side-by-Side Provider Comparison
Our specialist brokers work with all five major providers — this table shows you what each can offer NZ crop growers.
| Feature | FMG Most Popular | Gallagher | Aon | Farmcover | Howden |
|---|---|---|---|---|---|
| Named Perils Cover | ✅ | ✅ | ✅ | ✅ | ✅ |
| Multi-Peril (MPCI) | ✅ | ✅ | ✅ | ❌ | ❌ |
| Revenue Protection | ✅ | ✅ | ✅ | ❌ | ❌ |
| Drought Cover | Limited | ✅ | ✅ | ❌ | ❌ |
| Parametric Products | ❌ | ✅ | ✅ | ❌ | ❌ |
| NZ Adviser Network | ✅✅✅ | ✅✅ | ✅✅ | ✅ | ✅ |
| International Capacity | Limited | ✅ | ✅ | ❌ | ✅ |
| Horticulture Specialist | ✅ | ✅ | ✅ | ✅ | ❌ |
| Arable / Grain | ✅ | ✅ | ✅ | ✅ | ✅ |
| Farm Package Cover | ✅ | ✅ | ✅ | ✅ | ✅ |
| Best For | All NZ farms | Large orchards | Vineyards | Small farms | Large operations |
Whilst every effort is made to present the above information correctly, CropInsurance.co.nz cannot be held responsible for errors or omissions. Information is based on publicly available data and our brokers' market experience and is subject to change. If you are an insurer and would like to discuss any information displayed, please contact us at hello@cover4you.co.nz.
Not sure which provider suits your operation?
Our brokers approach all relevant insurers simultaneously — one enquiry, multiple real quotes.
About Each Provider
FMG – Farmers Mutual Group
NZ's #1 rural insurer — farmer-owned4.7/5 · 412 reviews
New Zealand's leading rural insurer, providing specialist crop and farm insurance to NZ growers for over 100 years. FMG is farmer-owned and provides dedicated rural advisers throughout the country.
Crop Products
- Named Perils Crop
- Multi-Peril Crop
- Horticulture Cover
- Arable Cover
Key Strengths
- Farmer-owned mutual
- Nationwide rural adviser network
- NZ-focused crop expertise
- Strong claims reputation
Gallagher NZ
Global broker — specialist agribusiness division4.5/5 · 187 reviews
A global insurance broker with a strong New Zealand rural and agribusiness practice. Gallagher (formerly AJG) can access specialist international crop insurance markets alongside domestic insurers, providing broader coverage options for large-scale growers.
Crop Products
- Named Perils Crop
- Revenue Protection
- Multi-Peril Crop
- Parametric Insurance
Key Strengths
- Access to London & global insurance markets
- Specialist agribusiness brokers
- Parametric weather solutions
- Large-scale orchard expertise
Aon New Zealand
Global broker with NZ agribusiness team4.4/5 · 156 reviews
One of the world's largest insurance brokers with a dedicated NZ agribusiness practice. Aon combines global reach and risk analytics with local expertise to arrange comprehensive crop and rural insurance programmes.
Crop Products
- Named Perils Crop
- Revenue Protection
- Vineyard Cover
- Horticultural Cover
Key Strengths
- Global risk analytics capability
- Strong vineyard & viticulture expertise
- Risk management consulting
- Multi-country grower programmes
Farmcover New Zealand
Specialist NZ farm insurance — competitive premiums4.3/5 · 98 reviews
A specialist NZ farm and rural insurance provider offering straightforward, competitive crop and property cover for farms of all sizes. Farmcover focuses on delivering simple, transparent policies with competitive premiums.
Crop Products
- Named Perils Crop
- Farm Property
- Horticultural Cover
- Arable Cover
Key Strengths
- Competitive premiums
- Simple policy wording
- NZ-focused products
- Fast online quotes
Howden Group NZ
Global rural insurance — large-scale operations4.3/5 · 74 reviews
Part of the global Howden Group, the NZ operation provides rural and farm insurance including crop cover, particularly for larger farming operations. Howden's global reach enables access to specialist reinsurance markets for high-value crop programmes.
Crop Products
- Named Perils Crop
- Farm Package
- Horticultural Cover
- Rural Business Pack
Key Strengths
- Global insurer network access
- Suitable for large operations
- Rural business package deals
- International expertise
Why Use a Specialist Broker?
Going direct means talking to one insurer. Through us, one enquiry reaches the whole market simultaneously.
Market Access
We approach FMG, Gallagher, Aon, Farmcover, Howden and international markets in one enquiry.
Free to You
Brokers are remunerated by insurers. You get expert advice at no direct cost.
Crop Expertise
Deep understanding of NZ growing conditions, regional risks and crop-specific exposures.
Fast Turnaround
From enquiry to cover options in as little as one business day.
ICNZ Code
All advisers operate under the Insurance Council NZ Fair Insurance Code.
Claims Support
We advocate for you at claim time — not just at point of sale.
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