Welcome to Cove

Quick facts about Cove

Thinking about joining Cove? Let’s learn a little about us first…


Cove was founded in 2017 by Kiwis passionate about building the future of insurance

Cove customers rate us 4.8 out of 5 stars. You can read hundreds of their reviews here.

Our team is based out of our offices in Auckland and Palmerston North. You’ll always speak to a person in New Zealand when dealing with Cove.

We empower our customers with ‘self serve’ digital insurance but you can call Cove on 0800 268 342, speak to us on live chat, or email us.
best car insurance nz

Great experience. So easy to get started, would definitely recommend! All done from the palm of my hand, what more could I ask for.

Bhrent – 2021

Fast service and a friendly welcome and introduction. Feels more like a family than a cold Insurance company!

Brian – 2021

Our story

Cove was created by a small team of insurance and technology nerds who are passionate about fixing insurance and reimagining what’s possible

An idea becomes a plan – 2017


Brothers Andy and Rob, along with mate Brett, decided insurance in New Zealand wasn’t quite what they believed it should be. Kiwis had grown to not trust their insurer, and the industry had been slow to adopt new technologies to provide a simple digital experience.

The team is assembled – 2017

cove team assembled
The Cove founders put their feelers out, and quickly found a team of people who shared their vision. Bright minds from inside and outside the insurance industry wrote out their resignations and started arriving at the Cove office (Rob & Andy’s basement). They all had one thing in common: the desire to build the best insurance provider and put Kiwis back in control of their insurance.

We also agreed insurance at its best is about community and were happy to spend a sunny day ridding one of the local beaches of plastic.

Cove sells its first policy – June 2018

cove office
Pete rang the office sales gong for the first time when Andy bought a car insurance policy in June 2018. Friends, friends of friends and early adopters soon started joining Cove and we upgraded to Gong-bot. Built by tech nerd and CIO Jamie, Gong-bot was armed with a servo, guided by a Raspberry Pi and able to ring itself for each sale. Soon enough a whole heap of Kiwis decided to make the switch and Gong-bot retired. While the gongs eventually became so frequent they got annoying, we are still grateful for and celebrate each new Kiwi who joins Cove.

Chasing five stars – today

five star rating
All of our numbers are starting to have more 0s and commas and through the growth we’ve maintained our 4.8 star rating across hundreds of reviews. Cove is built for the people of New Zealand so these reviews and other feedback guide us on what to fix, improve and build next. 4.8 isn’t 5.0 so we’ve still got work to do! We’d love to have you along for the journey.

Cove’s Roadmap to becoming the best

We believe in transparency and giving people want they want. Here is what we are working on currently and your chance to let us know what you want most.

Finished tasks:

Work in Progress:

Explore Home & Contents

We are working on creating some awesome house and contents insurance policies

Improve the car insurance process

Small tweaks here and there to make it easier for Cove customers, such as an improved address finder service.

To-do list:

Offer more flexibility in payments

Direct debits, fortnightly payments, annual payments etc

Explore other insurance products

Should Cove be offering boat, motorcycle, life, and other insurance products?

Improve self-service

Further develop My Cove to allow all policy management to be completed online with ease.

Meet some of the team

Brett W
Finance & Corporate

andy coon

Andy C
Strategy & Actuarial

rob coon

Rob C
Product & Customer Experience

matt giles

Matt G
Marketing & PR

Jamie T
Product & Engineering

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