Cove is for people like us who prefer digital, crave simplicity & want to be in control.
Cove is making insurance simple
Get a car insurance quote in as little as 2 minutes, and manage your insurance online with Cove.
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.
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.
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.
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.
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 
in New Zealand.
Experience insurance in a brand new way
Simple Insurance
Intuitive interfaces, without any jargon.
Digital Insurance
Get a quote, and manage your insurance, on your smart device.
Genuine Insurance
We are a New Zealand company refreshing insurance with technology and innovation.
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.
Aioi Nissay Dowa Insurance Company Limited has a Financial Strength Rating of A+ (Stable) given by A. M. Best Company and A+ (Stable) given by Standard & Poors.