Cove Insurance — Car Insurance Review
1 cover tier from Cove Insurance Limited · coveinsurance.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
Digital insurtech founded in NZ 2019. Underwritten by Tokio Marine & Nichido Fire Insurance (Australia branch).
App-first digital insurer. Comprehensive cover only — no Third Party tiers. Monthly subscription model.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. Cove Insurance offers 1 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.
Comprehensive
Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.
View Cove Insurance policy wording ↗Products and policy wordings
Cove Insurance publishes one consumer motor policy. We've ingested the current wording — every fact on this site is sourced from it.
Cove — Car Insurance
1 wording- Effective 2021-01-01 · confidence: inferred · source PDF ↗
Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.
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