Car insurance you’ll love

Join Cove & you’ll get one month free on your new car insurance policy, worth up to $100. Your discount will automatically be applied on the payment page.

The fresh Kiwi insurance brand seen on:

insurance business nz

A+ Standard & Poor’s Rating*

Regulated by the FMA

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

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.

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manage your insurance

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.

refer a friend to Cove

Giving you our best.

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

car insurance fire


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 chose

car insurance 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

car insurance 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 chose


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

car insurance uninsured driver

No fault – No excess

If you are in an accident and the other driver, who we can identify, is at fault, we will refund your excess

car insurance temporary accomodation

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

car insurance trailer

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

car insurance keys and locks

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

Plus, pick any of your favourite car insurance add-ons.

car insurance courtesy car

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

car insurance roadside assistance

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

car insurance windscreen

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

nz made car insurance

Car insurance designed by locals

We’re a team of Kiwis, not affiliated with those big Aussie brands.

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online car insurance

Simple self-service

Quote, buy, claim, manage, and cancel your car insurance online with Cove.

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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 summary

Try Cove car insurance now and love it forever.

It takes just a few minutes to get a comprehensive car insurance quote.


Amazing Cover

Designed by local experts

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Pay Monthly

No long term commitments

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Fast & Flexible

Manage your car insurance online

Get a car insurance quote

Get a quick online quote