Refreshingly simple insurance, right in your pocket.

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

car insurance quote summary

The fresh Kiwi startup seen on:

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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

Get an 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.

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Start your cover

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.

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manage your insurance

Manage your policy

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.

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Refer your friends

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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Simple Insurance

Intuitive interfaces, without any jargon.

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Digital Insurance

Get a quote, and manage your insurance, on your smart device.

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Genuine Insurance

We are a New Zealand company refreshing insurance with technology and innovation.

coverholder at lloyds

Lloyd’s is the world’s specialist insurance and reinsurance market.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

Get a quick online quote