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A+ Standard & Poor’s Rating*
Regulated by the FMA
Why choose Cove car insurance?
We’ll get you covered in minutes. No phone calls.
Add optional extras, and only pay for what you need.
Our goal is to make car insurance as simple as possible.
Cove is making car insurance simple
Get a car insurance quote in as little as 2 minutes, and manage your car insurance online with Cove.
Get a car insurance quote
Simple online quote
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.
Start your cover
Buy your car insurance online
Getting your car insurance 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 car insurance. Once you join Cove, you can refer your mates from My Cove.
Giving you our best.
The comprehensive car insurance policy we believe ticks all the right boxes. Your policy includes…
If your car is damaged by fire, your Cove car insurance policy covers the repair costs or, if it can’t be repaired, the agreed value you choose
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
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
New Car Cover
If, at the time of accidental loss, your car is not more than 12 months old from new and you are the first owner, we will supply a new car of the same make and model if your insured car cannot be repaired.
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
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
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
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
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
Plus, pick any of your favourite car insurance add-ons.
Courtesy Car Hire
Your Cove car insurance 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
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
Excess Free Windscreen
If the only damage to your car is accidental loss to your windscreen or windows, your claim will be excess free
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.
We’re on a mission to fix car insurance
Do you cover drivers on a learner's licence?
At this stage you are unable to purchase a car insurance policy if you or any regular drivers of your vehicle are on a learner licence.
Whilst we’re still pretty new we’re taking a fairly risk adverse approach to our policy selection, but we’re constantly reviewing our underwriting rules so this may change in future.
I’m thinking about driving for Uber or Uber Eats. Is this okay?
Cove does not provide any form of commercial cover for vehicles. This includes using or registering your vehicle with a ride sharing or delivery service – Uber, Ola, Zoomy, Uber Eats, it doesn’t matter who.
Please be aware that using the vehicle for these purposes invalidates all cover under your policy and any claims raised will not be paid, no matter if you were driving the vehicle for Uber (or the like) at the time or not.
Don’t run the risk of ending up with no cover when you need it most. If your vehicle is registered to be used to carry fare paying passengers or to make deliveries you must choose another insurance provider.
Insuring your vehicle under a private use policy, like what Cove offers, when you use it for Uber or Uber Eats is quite simply fraud and here at Cove we have a zero tolerance policy for fraud. If we suspect your vehicle is registered for these services and you raise a claim, expect us to investigate your claim closely. We may ask you for evidence of your income and proof from Uber that your vehicle is not registered with them. Fail to satisfy the policy requirements and you may find yourself out of pocket.
I’m a tradie and carry tools in my vehicle, is this covered?
Carrying tools, stock, equipment, or samples in your vehicle is deemed to be commercial use. Cove only provides cover for personal use so if you’re using the vehicle for work purposes you’ll need to find an alternative insurance provider.
Still unsure if you fit the definition of commercial use? Simply contact us to discuss.
In a nutshell, what does comprehensive car insurance cover?
Cove’s car insurance policy is a comprehensive policy that covers your vehicle for accidental damage and theft. It also provides cover for damage you may cause to another person’s car or property when using your vehicle.
We don’t cover commercial use, and we only cover standard cars, SUVs, and utes, less than 3,500kg and up to $80,000 in value.
There are also a number of automatic benefits included in the policy like emergency accommodation and towing cover, and you can extend the base cover by choosing to include our optional benefits too.
For an overview of the policy benefits click here. And to see the full policy wording simply complete a no obligation quote to get a personalised policy wording created just for you.
Unsure about anything? Simply contact us to discuss.
Where can I read the policy wording?
Simply click here to read our current car insurance policy wording in full.
Do you offer roadside assistance?
Because not everyone needs or wants breakdown cover with their car insurance we offer roadside assistance as an optional benefit.
To add roadside assistance cover simply turn on the roadside assistance optional benefit on the quote summary screen.
We outsource this service to New Zealand Roadside Assistance who have a fleet of vehicles nationwide and ready to assist should you breakdown, run out of petrol, or have a flat tyre. Assistance is available 24/7 by calling us on 0800 268 347.
What does Comprehensive car insurance mean? Do you have other options?
There are typically three types of car insurance available in New Zealand. Comprehensive, Third party fire and theft, and Third party only cover.
Comprehensive policies cover your vehicle for accidental damage and theft as well as providing cover for damage you may cause to another person’s car or property when using your vehicle.
Third party fire and theft provides cover for theft of your vehicle only, but still provides cover for damage you may cause to another person’s car or property when using your vehicle.
Third party only cover provides no cover for your own vehicle – it only provides cover for damage you may cause to another person’s car or property when using your vehicle.
At this time all Cove car insurance policies are for comprehensive cover. Starting from as little as $29.16 per month, even if your car may not be worth much you may be surprised at just how affordable comprehensive cover can be.
Does paying annually result in cheaper car insurance?
At many companies the answer is yes, paying annually does result in cheaper car insurance. At Cove, all our policies are paid monthly and we don’t charge an additional fee for this. Offering monthly policies simply gives our customers more flexibility than a longer-term contract would.
How much should I be paying for insurance?
The amount you pay for car insurance is based on your own personal circumstances, so it’s tough to say how much you should be paying for car insurance without actually getting an actual quote. You can do this online in just a few minutes from most companies, including Cove. As an indication, most Cove customers pay from $29 to $59 per month for their insurance.
How can I get a cheap car insurance quote?
You can get an online quote from Cove in as little as two minutes. While we can’t guarantee we will be the cheapest for you, we are often very competitive and many customers have provided feedback that we were the cheapest when they were shopping around and comparing the various brands.
Who has the cheapest car insurance?
Every insurance provider has different prices for different vehicles, so there is no one easy answer for who has the cheapest car insurance. Not only that, some brands have lower prices for younger people than others, or are cheaper for modified cars as they might specialise in this area. It is worth taking 10 minutes and getting two or three online quotes and seeing which insurance provider is the best value for your own personal situation.
Can you negotiate car insurance?
In most cases you can’t negotiate for cheaper car insurance. The price you pay for car insurance is determined via a calculation that takes into account many things such as the type of car you drive, your driving history, and age.
What is a Car Insurance Policy Excess?
As with most insurance products, car insurance policies in New Zealand have an excess. Your excess is the amount you are required to pay when you make a claim.
In a simplified example, if your car insurance policy has an excess of $300, and the damages bill for your incident is $7,000, then it is your responsibility to pay $300 when making a claim, and the responsibility of your insurance company to pay the remaining $6,700.
Adjusting the excess on your policy is one of the simplest ways to get cheaper car insurance premiums. If you are confident in your driving ability or can afford to pay more in a crash, you can increase your excess. This means you pay slightly more in the event you need to make a claim but results in your monthly premiums decreasing.
Can I be covered if I’m under 21?
At this stage there is absolutely no policy cover for anyone under the age of 21 – this includes non regular drivers of your vehicle that are not named on your policy.
Whilst we’re still pretty new we’re taking a fairly risk adverse approach to our policy selection, but we’re constantly reviewing our underwriting rules so this may change in future.
What is a car insurance certificate of currency? How do I get one?
A certificate of currency is simply a notification to a finance company that we have an active policy in place and that they are noted as an interested party for the asset insured.
In the event of a total loss we are required to settle the balance of any finance contract on the insured asset before paying you the remainder of the policy value (if anything). We’re also required to notify the finance company if the policy is cancelled.
If your finance company has requested a certificate of currency just let us know – live chat is always the quickest way to get this sorted, just click on the live chat widget on the bottom of this page.
All we need from you is the name of the finance company and their email address – we’ll provide a certificate of currency directly to the finance company if required.
Do I need to name other drivers on my policy?
We ask you to name any person who drives your vehicle, on average, more than once per month on your policy. Each driver is subject to our standard underwriting criteria.
Failure to record any regular drivers on your policy may result in claims being declined so it’s best to do this as soon as you purchase a policy or when someone new begins using your vehicle to ensure you always have cover when you need it.
It is important that you provide an accurate driving history for every driver too – an incorrect claims count or non-disclosure of traffic offences could result in claims not being paid and worst-case scenario, your policy being cancelled back to when it started.
If in doubt about what needs to be disclosed simply contact us to discuss.
Is this an agreed value or market value policy?
The Cove car insurance policy is an agreed value policy. This means that in the event of a total loss claim we’ll pay you the sum insured you’ve selected and is recorded on your policy (less any applicable excess).
When calculating your quote we set a default sum insured value using information provided by a third party vehicle valuation service. This default value represents the average market value for your car but doesn’t take into account the condition or mileage of your specific vehicle so could be a little low or a little high in some cases.
Be sure to review the sum insured on the quote summary screen and adjust it up or down to meet your specific needs.
What’s an example of a driving offence?
One of the most common driving offences is receiving a ticket for speeding, but there are numerous types of driving offences that we need to be told about.
If you’ve received a fine or demerit points, or lost your licence, for something you’ve done whilst driving or in charge of a vehicle we must be told about it.
More examples of what’s a driving offence can be found here.
We can consider special acceptance for low level offending so be sure to disclose your entire driving history to us when you purchase a policy, and at each renewal be sure to tell us if anything has changed.
Failure to tell us may result in your policy being amended or cancelled for non-disclosure and any claim you have may not be paid so it’s best to be honest here.
And whilst technically parking tickets are also considered a driving offence, we won’t use these to underwrite you so no need to disclose them to us.
Is glass cover included in your policy?
Damage to your car’s windscreen and windows is covered under our standard policy and an excess will apply, however we also provide the option to make claims for these items without an excess.
If you’d like excess free glass claims just be sure to turn on the excess free glass optional benefit on the quote summary screen.
I’m not the registered owner of the car, how do I record this?
During the quote process we will ask you who the owner of the vehicle is, simply record their name here. If the vehicle is registered to a company (but remember Cove doesn’t provide cover for commercial use) it can also be recorded here, simply enter the company name into the first name field and ‘Limited’ into the last name field.
If the owner of the vehicle is also going to be a regular driver of the vehicle you must add them to the policy as a driver as well. We don’t treat ‘main’ drivers differently from ‘additional’ drivers so it is fine if the owner is recorded as an additional driver rather than as the main driver.
Should you buy the cheapest car insurance?
The simple answer is you should buy the car insurance policy that suits your personal needs the best. This means not immediately buying the cheapest car insurance available in NZ, but taking into account the extra benefits you may need, and buying the car insurance policy that most closely aligns with these.
How do I get the best deal on car insurance?
The main things to remember are to get a number of online quotes, choose an accurate value for your car, and set your excess at an amount which you would be comfortable paying should you need to make a claim. Be sure to check which optional extras are available and add the ones that you feel you would most benefit from.
How can I make my insurance cheaper?
The quickest way to make your car insurance cheaper is to increase your excess at your current insurance provider. This should immediately decrease your monthly or annual payments. It also pays to compare car insurance providers at least once a year, as you might be able to find a better price at a different brand.
Why is my car insurance so expensive?
One of the main factors which can lead to expensive car insurance is the type of car you own. Uncommon makes and models, cars that regularly stolen, or luxury cars will most likely result in higher premiums than unmodified low-powered cars.
Does car insurance get cheaper at 25?
Car insurance prices don’t necessarily drop suddenly once you turn 25, but many drivers do start to notice that they can get cheaper insurance and they gain experience and progress through the different stages of holding a drivers license.
Six tips for cheaper car insurance
When you make a claim, the excess is the amount you initially have to pay towards the cost of repairs. You can increase your excess when purchasing car insurance from Cove, and although you’ll have to pay more if you make a claim, your monthly premium payments will be less.
If you are still in the process of buying a new car, then you should start considering car insurance as well. The type of car you buy affects your car insurance premium. We suggest getting a car insurance quote before you actually purchase the vehicle to see what you are in for.
This might sound unusual coming from a car insurance brand eager to earn you as a customer, but it pays to compare car insurance from at least two brands when getting a quote. Don’t always choose the cheapest option however, especially if it is ridiculously cheap, as this could compromise your cover.
Frequently review who you have listed as an additional driver on your policy, and if they no longer use the vehicle, then consider removing them. This could lower your premium, especially if the additional driver had a restricted licence or recent claims.
People with a clean driving record can often find cheaper car insurance compared to those who have had a few bumps along the way. A small speeding fine shouldn’t cause too much of a price increase, but multiple speeding fines, a DUI, and frequent crashes could all cause your premium to increase.
Switching car insurance is easy, so if you do happen to compare car insurance and find a better value deal, don’t hesitate to switch thinking that it will be a tedious process. Here at Cove we actually help you switch to once once you have purchased a policy from us.
The content presented on this page is provided for informational purposes only. Cove Limited makes no representations or warranties as to the accuracy, completeness or timeliness of the information. Each person should consult a qualified advisor for advice specific to their circumstances. Cove Limited assumes no liability for actions taken in reliance upon the information contained herein.
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Build upon the base layer of car 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 car insurance and make it simple.
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