cove insurance

COVID-19 updates for Cove customers

We want to give you some peace of mind that Cove is still operating during this period.

We hope you and your family are keeping safe and well during these trying times.

Cove’s job as an insurance provider is to be there for the community in times of need. We take the responsibility seriously and, to date, we’ve been helping customers dealing with financial hardship and we’ve put a freeze on premium increases for everyone.

  • Are you experiencing hardship?

    If your income has been affected by the lockdown or COVID-19, we want to know so we can help you out. You can contact us online, on 0800 268 347, Option 3 or via the live chat widget on the bottom right-hand corner of our website.

  • How do I make a motor vehicle claim under level 2?

    If you need to make a new motor vehicle claim, it’s easiest to submit this online via our claims page.

    Once you’ve submitted your completed claim form it will be sent to our claims team. Once there, a claims handler will be assigned and a case file opened. They’ll complete an initial review of your form to make sure all the necessary information has been included and will be in touch to let you know what happens next.

  • Will there be any delays with motor vehicle claims?

    It may take a little longer than usual to get repair work completed due to both a backlog of repairs and delays for parts to arrive. Cove suppliers are required to follow the COVID-19 health and safety guidelines and this will also impact the time any repair work will take.

  • How can I get in touch about a claim I have already submitted?

    If you need an update on your claim, you can contact us online, on 0800 268 347, or via the live chat widget on the bottom right-hand corner of our website.

  • How can I reduce my monthly premium?

    We offer a number of different ways in which you can reduce your monthly premium, why not consider the following:

    Reduce your sum insured – We present a default sum insured value that can be reduced, usually this means your premium will reduce too. If your vehicle is written off, you may need to ‘top up’ your cash settlement to buy a replacement vehicle equivalent to your insured vehicle, but it is a nice way of reducing your month to month spend

    Increase your excess – Our default excess is $750 but you can choose to increase this to $1,000 if you’d like lower month to month premiums.

    Don’t turn on excess free glass cover – Windscreen and glass damage is covered by your policy no matter what so if you’re happy paying an excess for these claims as you would for a collision, consider keeping the excess free glass cover benefit switched off as a way of keeping your monthly premiums down

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