Promotional Terms & Conditions

Cove’s Puppy & Kitten discount

To qualify: your pet must be less than 6 months old at the time your policy with Cove commences. To ensure your policy has the discount, just make sure the date of birth of the pet is correct when quoting.

The discount: 3 months of free premiums, capped at $100 per month per pet. This is applied to the first 3 months for monthly policies and pro-rata for an annual policy. The dollar value of the free month is fixed at the start of the policy term. Any mid term adjustments will not be captured.

Promotion interactions: this promotion stacks with ongoing discounts like the annual payment discount but does not stack with upfront benefits like partner free month discounts. Put simply, you can continue to get a x% discount for holding more than one policy with Cove but not 4 free months for commencing a policy via a partner with a kitten.

Cove Partner promotion

Cove has agreed to this discount as a perk of being users of various other companies who choose to refer Cove. It is intended as a one-off saving for a long term policy holding with Cove.

To qualify: purchase a policy using the link provided by the approved Cove partner

The discount: 1 month of free premiums, capped at $100 per month, per policy. This is applied to the first month for monthly policies and pro-rata for an annual policy. This can only be used once per risk per customer. It does not apply every month or every year. The dollar value of the free month is fixed at the start of the policy term. Any mid term adjustments will not be captured.

Promotion interactions: this promotion stacks with ongoing discounts like the annual payment discount but does not stack with upfront benefits like the online free month discounts. Put simply, you can continue to get a free month and a x% discount but not 2 free months for commencing a policy via a partner AND online.

Cove Online promotion

Cove offers this discount to customers who self-serve online as this is cheaper for Cove to administer. It is intended as a one-off saving for a long term policy holding with Cove.

To qualify: purchase a policy online between 1 November 2022 and 31 December 2026.

The discount: 1 month of free premiums, capped at $100 per month, per policy. This is applied to the first month for monthly policies and pro-rata for an annual policy. The dollar value of the free month is fixed at the start of the policy term. Any mid term adjustments will not be captured.

This can only be used once per risk per customer. It does not apply every month or every year.

Promotion interactions: this promotion stacks with ongoing discounts like the annual payment discount but does not stack with upfront benefits like the partner free month discounts. Put simply, you can continue to get a free month and a x% discount but not 2 free months for commencing a policy via a partner AND online.

Refer a Friend – Programme Retired

Cove’s Refer a Friend programme has been retired and is no longer accepting new referrals.

If you referred a friend before 21st August 2026 and earned a referral discount that hasn’t yet been applied, we’ll honour it on the terms it was earned under – the discount will be applied to your next eligible renewal payment, up to $100, on the same basis as originally offered.

If a friend referred you before 21st August 2026 and the referral link is still active on your account, your discount entitlement (up to $100 towards your initial billing period) remains available on the terms originally offered.

For any questions about an existing referral entitlement, please contact us.

Multi policy discount

1) Eligibility criteria

Please note: from 21st August 2026 the multi-policy discount is no longer available on new quotes. If you already receive it, it continues to apply to your existing policies as set out below.

To qualify for the multi policy discount you must do both of the following:
a) Hold more than one policy with Cove on the same email account or accounts linked by Cove. Policies held by the same person or related persons under different email accounts do not qualify unless explicitly agreed by Cove these accounts can be linked for the purposes of this calculation.
b) Correctly follow the instructions in “4) What you need to do”.

2) The discount: a little under 10% off, as an ongoing discount. We say ‘a little under’ because we can’t discount the Fire Services Levies for car insurance (these are fixed by the Fire Services) and the GST on the levies. For pet insurance it is actually 10% as there are no levies. This discount can change from time to time and without prior notification.

The discount applies to each and every policy on the account where the instructions are followed in section “4) What you need to do” and the eligibility criteria are met in “To qualify for the multi policy discount”.

3) Promotion interactions: this promotion stacks with ongoing discounts like the annual payment discount and any allowable combination of upfront discounts.

4) What you need to do:

When you buy a new policy:

(This section applies only to policies purchased before 21st August 2026. The multi-policy discount is no longer available on new policies.)

a) You will need to answer the question “do you intend to hold more than one policy with Cove” as “Yes” when you set up your new policy, and
b) You will need to add second policy within 30 days and continue to hold it on day 30.
c) Conversely if you answer “Yes” and hold only 1 policy after 30 days we will remove the discount. In the event of a yearly policy, this will mean collecting additional premium as described in the section “Multi-policy discount” in the policy wording. We will collect payment using the credit or debit card we have saved on file for you.

Renewing policies:
a) If you believe you meet our eligibility criteria, you should check your policy schedule. If it shows the multi-policy discount has been applied, you do not need to take any steps. If it does not, you will need to contact us for the multi-policy discount to be applied. If you do not tell us, you will not get the multi-policy discount.
b) We will calculate your renewal terms 45 days prior to your renewal date. Therefore, if you add a policy within 45 days of your renewal date this may not be included in your policy count. In this case you will need to contact us to recalculate your renewal and include the discount. You will be able to see your multi-policy discount status on your policy schedule. If you do not tell us about the second policy, your discount will not apply until the following renewal (if eligible).

5) How we calculate and apply the discount (eligibility testing)
The policy will be tested for eligibility and the discount applied as follows:
a) At new business on a self-reported basis as above;
b) 45 days prior to renewal as described above; and
c) At any mid-term adjustment.
If your policy count changes, we will not update your multi-policy discount status on other policies until there is a transaction as listed above.

If there is a problem
Despite our best efforts to apply the multi policy discount in accordance with these Terms & Conditions, we may not always get it right. If you did not receive a multi-vehicle discount when you believe you were entitled to one (or received a smaller discount than expected), please contact us.

Annual policy discount

To qualify: An annual payment discount is available for Car and Pet Insurance when you choose to pay annually. This discount is not available for Home & Contents Insurance. For Home & Contents Insurance, the monthly and annual payment options are offered at different prices. Any difference between these prices does not represent an annual payment discount.

The discount: For car insurance, the annual policy is a little under 10% cheaper than the equivalent monthly policy on an ongoing basis. We say “a little under” because Fire and Emergency New Zealand levies, and the GST applying to those levies, cannot be discounted. For pet insurance, the discount is 10%, as no such levies apply.

Promotion interactions: this promotion stacks with ongoing discounts and any allowable combination of upfront discounts.

General terms

For home & contents policies: application for cover (including any relevant promotion that may apply) is always subject to Vero’s underwriting terms and conditions and acceptance criteria.

For car & pet policies: application for cover (including any relevant promotion that may apply) is always subject to Cove’s and/or Aioi Nissay Dowa’s underwriting terms and conditions and acceptance criteria.

Unless explicitly stated in these terms, only one promotion can be used per policy.

Cove has the absolute discretion to cancel policies or remove/reverse discounts if we notice any activity that we believe is abusive, fraudulent, or in violation of the intent of the promotion or the Cove Terms of Service. Cove reserves the right to review and investigate all invite activities and to suspend users or modify discounts in our sole discretion, as deemed fair and appropriate by Cove.

Cove can update these terms at any time without prior notice. If we modify these terms, we will post the modification on the Cove website, which are effective immediately upon posting, unless otherwise stated. Continued participation in the The Program after any modification shall constitute consent to such modification.

If for any reason you believe that there is a discrepancy regarding your Discount, please contact us. Cove may require you to submit additional information in order to make a determination regarding your balance. All decisions regarding your balance will be final and at Cove’s sole discretion.

You are responsible for any tax consequences, if any, that may result from discounts applied. Where applicable, Cove may be required to account for GST and levies on any services for which a Discount has been applied.

Discounts are for promotional purposes; they have no cash value and may not be transferred or exchanged for cash. Discounts can only be used for payment of renewals and new policies with Cove.

Refunds are not applicable to the discounted portion of policy premiums. For example, Cove normally refunds the premium paid if the policy is cancelled within 14 days, provided no claim has been made. If this was a $120 policy paid with a $100 discount and $20 cash, a refund of $20 would be applicable. The $100 discount would be forfeited in this example.

If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck out and not affect the validity of and enforceability of the remaining provisions.