car insurance nz

Comprehensive car insurance you’ll love

Accessible 24/7   Intuitive Chatbot Interface     Kiwi Owned

A+ Standard & Poor’s Rating*

Coverholder at Lloyds

Regulated by the FMA

Giving you our best.

The comprehensive car policy we believe ticks all the right boxes. Your policy includes…

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Fire

If your car is damaged by fire, your Cove policy covers the repair costs or, if it can’t be repaired, the agreed value you choose

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Theft

If your car is stolen, your Cove policy covers the repair costs or, if it can’t be repaired or is not recovered, the agreed value you chose

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Damage

If your car is damaged in an accident, your Cove policy covers the repair costs or, if it can’t be repaired, the agreed value you choose

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New Car Cover

If at the time of accidental loss your car is less than 12 months old from its original registration or purchase as new, we will supply a new car of the same make model and specification

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No fault – No excess

If you are in an accident and the other driver, who we can identify, is at fault, we won’t deduct any excess

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Emergency Accomodation

We’ll cover the costs for transporting you & your passengers home, or pay for overnight accommodation, if your car can no longer be driven as a result of an accident

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Loss to Trailers

We’ll pay the costs of repair or replacement up to a maximum of $1,000 if any trailer owned (or being used) by you for private use suffers accidental loss while attached to or detached from your car

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Keys & Locks

We’ll pay for the cost of replacing the key or lock of your car if your keys have been lost or stolen

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Replacement Car

Your policy also covers an additional or replacement car you purchase up to the value of $80,000 for up to 14 days from purchase

This is only a summary of some of the benefits available as part of a Cove car insurance policy. To find out about our cover including benefits, limits and exclusions, please review our policy wording before purchase.

Plus, pick any of your favourite add-ons.

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Courtesy Car Hire

Your Cove policy covers the costs to hire a car for up to 30 days, so you have a car if yours is being repaired or has been stolen

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Roadside Assistance

If your car breaks down, your Cove policy will cover the costs of getting roadside help to get your car moving again. Cove Roadside Assist offers two call outs a year

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Excess Free Windscreen

If the only damage to your car is accidental loss to your windscreen or windows, your claim will be excess free

  • genna testimonial
    Loved the simplicity and the step by step process to obtain a quote
    Genna Duff
    Cove Consumer Tester
  • stephen testimonial
    “Stoked with the monthly subscription Cove provides. Very refreshing approach too insurance from what I have seen so far.”
    Stephen
    Cove Consumer Tester
  • callum-testimonial
    “I've always meant to insure my valuable things, but it just seems like such a hassle. Cove looks like a super easy way to get insurance with minimum fuss. I'm excited to try it out!”
    Callum Herries
    Cove Consumer Tester

A Better Way of Doing Insurance

Refreshingly simple insurance

Intuitive interfaces create delightful customer experiences. With Cove, understanding exactly what you are buying has never been clearer.

Insurance tailored to your lifestyle

Build upon the base layer of insurance cover our policies provide by adding the optional extras that suit your lifestyle. We don’t sell you features you don’t need.

You’re in good Company

Cove is founded by Kiwis, and made for the people of New Zealand. We asked New Zealanders what they wanted, and now we are delivering. Our goal is to innovate insurance and make it simple.

cove insurance nz

Try Cove now and love it forever.

Try our intuitive chatbot interface to get a comprehensive car insurance quote.

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Amazing Cover

Designed by local experts

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Pay Monthly

No long terms commitments

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Fast & Flexible

Manage your insurance online

Ready to help

Queries & Support

0800 26 83 47