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.

Promotion interactions: this promotion stacks with ongoing discounts like the multi-policy discount and the annual payment discount but does not stack with upfront benefits like partner free month discounts or Refer-A-Friend. 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.

Promotion interactions: this promotion stacks with ongoing discounts like the multi-policy discount and the annual payment discount but does not stack with upfront benefits like the online free month discounts or Refer-A-Friend. 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 1 June 2024

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.

Promotion interactions: this promotion stacks with ongoing discounts like the multi-policy discount and the annual payment discount but does not stack with upfront benefits like the partner free month discounts or Refer-A-Friend. 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

Cove’s Refer a Friend program is designed to encourage Cove’s customers to tell their friends about Cove so they become customers and to reward them for doing so. The reward is a reduction of their next premium payment of up to $100. The same reward is provided to their friend if they become a Cove customer.

To qualify

In this example we’ll assume ‘you’ is the person doing the referring and ‘your friend’ is the person being referred.
You send your friend an invite using the Refer-a-friend links provided in My Cove, as described below.
The invite will provide your friend with a link, which if activated, will entitle them to receive a discount of up to $100 to apply towards one or more new policies purchased by them in the same initial billing period. To be eligible for discounts, your friend must:

• Satisfy Cove’s normal underwriting criteria for the relevant policy;
• Be a new Cove customer (no current or previous policies with Cove); and
• Register a valid credit card on initial purchase for subsequent renewal payments. Standard upfront and renewal payments will be automatically debited after any discounts have been used.

You will also receive a discount on your next renewal payment (up to $100) after your friend pays their first renewal in full for monthly or first payment for annual. Any discount remaining at the end of the renewal cycle (if any) is forfeited. Standard renewal payments will be automatically debited after any discounts have been used.

Invites should only be used for personal and non-commercial purposes. You are prohibited from “spamming” anyone with invitations. This includes using automated systems or bots through any channel to distribute invite messages. You are prohibited from paying to advertise invite messages.

Your friend may only use one invite message from you and / or other Cove customers. If your friend takes out a policy, they become a Cove customer and no longer eligible for this discount.

The link used by your friend will determine which Cove customer is eligible for receiving a discount. You can issue invites to as many of your friends as you choose, or even people you don’t like, subject to the above clause banning commercial use and spamming. Once a discount has been earned from a given invite, no further discounts can be earned.

Promotion interactions: this promotion stacks with ongoing discounts like the multi-policy discount and the annual payment discount but does not stack with upfront benefits like the partner free month discounts or the online discount. 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 refer-a-friend AND online.

Multi policy discount

1) Eligibility criteria
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. Policies held by the same person or related persons under different email accounts do not qualify.
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:
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) There is nothing you need to do on renewal as we will calculate and apply the discount for you.
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.

Annual policy discount

To qualify: select the annual policy type

The discount: a little under 10% off, as an ongoing discount compared to the monthly policy. 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.

Promotion interactions: this promotion stacks with ongoing discounts like the multi-policy discount and any allowable combination of upfront discounts.

General terms

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.