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 insurance policy we believe ticks all the right boxes. Your policy includes…



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



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 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


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


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


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


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.


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


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


Excess Free Windscreen

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

  • “Easy and affordable way to cover your belongings.”
    Cove Customer
  • “I found it really easy and smooth process online, I would say cove is using technology for better.”
    Cove Customer
  • “Good insurance and super easy to get it.”
    Cove Customer
  • “Refreshing approach to insurance. Great simple service.”
    Cove Customer

A Better Way of Doing Car Insurance

Refreshingly simple car insurance

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

Car insurance tailored to your lifestyle

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.

car insurance quote

Try Cove car insurance now and love it forever.

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


Amazing Cover

Designed by local experts


Pay Monthly

No long terms commitments


Fast & Flexible

Manage your car insurance online

Ready to help

Car Insurance Queries & Support

0800 26 83 47