Car insurance you’ll love

Join Cove & you’ll get one month free, worth up to $100, on your new car insurance policy.

Check out the benefits of insuring your car below, then click above to get a quick online quote. Your discount will automatically be applied on the payment page. View Terms & Conditions.

car insurance

The fresh Kiwi startup seen on:

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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.

cove 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 new policy started is quick & easy. You can either start the policy immediately, or set a date you would like it to start.

cove insurance buy car insurance online
cove insurance manage car 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 insurance

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 insurance as simple as possible.

We’re on a mission to fix insurance 🚀

nz made car insurance

Designed by locals

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

online car insurance

Simple self-service

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

…and our customers ❤️ it!

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 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

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.

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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

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

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Excess Free Windscreen

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

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.

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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 term commitments


Fast & Flexible

Manage your car insurance online

Ready to help

Car Insurance Queries & Support

0800 26 83 47