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Save time, money, and hassle.

Cove is for people like us who prefer digital, crave simplicity & want to be in control.

Cove offers both car and pet insurance

Select the type of insurance you need and get an online quote in as little as 2 minutes.

Car Insurance

Getting a car insurance quote from Cove takes just minutes, and you can do it all online without picking up the phone. If you need help, you can find us on live chat.

Pet Insurance

Getting your new policy started is quick & easy. You can either start the policy immediately or set a date you would like it to start.

Cove is making insurance simple

Get a car insurance quote in as little as 2 minutes, and manage your insurance online with Cove.

get a car insurance quote

Simple online quote

Getting an insurance quote from Cove takes just minutes, and you can do it all online without picking up the phone. If you need help, you can find us on live chat.

Buy your insurance online

Getting your new policy started is quick & easy. You can either start the policy immediately, or set a date you would like it to start.

buy car insurance
manage your insurance

Manage your car insurance online

All Cove customers get access to My Cove, where you can see all your policies and manage them 24/7.

Service so good, you’ll tell your mates

A lot of Cove customers are referring their friends & family to Cove, and each time they do, they get a free month of insurance. Once you join Cove, you can refer your mates from My Cove.

refer a friend to Cove

Simple Insurance

Insurance should be jargon free, and understandable without your own personal lawyer. Cove makes insurance simple to manage online, with delightfully understandable policies.


Insurance made with love in New Zealand.

Experience insurance in a brand new way

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Save time

Cove offers a quick online process, and exceptionally fast support when needed.

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Save Money

See how much you can save, and stack the discounts by purchasing multiple policies, paying annually, or referring friends.

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Save hassle

With My Cove, you can manage your policy 24/7 and get your insurance sorted, hassle-free.

This insurance is issued by Cove Limited in accordance with the authorisation granted to it by the underwriter, Aioi Nissay Dowa Insurance Company Limited.

Aioi Nissay Dowa are one of the largest insurance companies in the world and closer to home they underwrite some of the biggest and most loved car manufacturing brands in New Zealand, so they have plenty of experience with Kiwis and their cars and we’re excited that they are underwriting Cove’s policies too.

See Aioi Nissay Dowa Insurance Company Limited’s Financial Strength Rating.

Get a quick online quote