phone insurance nz

Get a phone insurance quote

Accessible 24/7   Intuitive Chatbot Interface   Kiwi Owned

Coverholder at Lloyds

A+ Standard & Poor’s Rating*

Regulated by the FMA

Giving you our best

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


Accidental Damage

Unintentional physical damage caused to your phone, including screen damage and liquid damage, which stops your phone from working



Unlawful taking of your phone from a secure location or from your person


Unauthorised Use

When we have accepted a claim for accidental loss or theft of your phone, costs incurred for calls, texts, downloads and data use when your mobile phone is used after being lost or stolen and whilst not barred by the network provider up to $1000

This is only a summary of some of the benefits available as part of a Cove Mobile Phone 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.


Covers & Accessories

Cover your phone cover/case, wrist strap, portable data drive or stylus up to $100


Screen Damage

If your claim is for screen damage only, no excess will apply


Accidental Loss

Accidental loss of your phone in circumstances that are unexpected and unintentional

  • “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 Insurance

Refreshingly simple insurance

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

Insurance tailored to your lifestyle

Build upon the base layer of 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 insurance and make it simple.

cove insurance nz

Try Cove now and love it forever.

Try our intuitive chatbot interface to get a phone insurance quote.


Amazing Cover

Designed by local experts


Pay Monthly

No long terms commitments


Fast & Flexible

Manage your insurance online

Ready to help

Queries & Support

0800 268 347