Refreshingly simple insurance, right in your pocket.

Cove is for people like us who prefer digital, crave simplicity & want to be in control.

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car insurance

Cove is making insurance simple

Get a car insurance quote in as little as 2 minutes, and manage your insurance online with Cove.

get a car insurance quote

Get an insurance quote

Simple online quote

Getting an 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 insurance online

Getting your new policy 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 insurance. Once you join Cove, you can refer your mates from My Cove.

refer a friend to Cove

Simple Insurance

Insurance should be jargon free, and understandable without your own personal lawyer. Cove makes insurance simple to manage online, with delightfully understandable policies.


Insurance made with love in New Zealand.

Experience insurance in a brand new way

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Simple Insurance

Intuitive interfaces, without any jargon.

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Digital Insurance

Get a quote, and manage your insurance, on your smart device.

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Genuine Insurance

We are a New Zealand company refreshing insurance with technology and innovation.

This insurance is issued by Cove Limited in accordance with the authorisation granted to it by the underwriter, Aioi Nissay Dowa Insurance Company Limited.

Aioi Nissay Dowa are one of the largest insurance companies in the world and closer to home they underwrite some of the biggest and most loved car manufacturing brands in New Zealand, so they have plenty of experience with Kiwis and their cars and we’re excited that they are underwriting Cove’s policies too.

Aioi Nissay Dowa Insurance Company Limited has a Financial Strength Rating of A+ (Stable) given by A. M. Best Company and A+ (Stable) given by Standard & Poors.

Get a quick online quote