Car insurance you’ll love

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

Get a free online quote

Your discount will automatically be applied on the payment page. View Terms & Conditions.

Three ways to save:

Discount Applied
A free month has already been applied, worth up to $100.
🎉 Free month

Multi-policy discount available
You’ll save when you take out more than one policy.
🎉 Up to 10%

Annual discount available
Choose to pay annually for additional savings.
🎉 Up to 10%

The fresh Kiwi startup seen on:

Giving you our best.

The comprehensive car insurance policy we believe ticks all the right boxes. Your policy includes…

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

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

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

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

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

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

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

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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.

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

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

Excess Free Windscreen

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

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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.