Cove Insurance — Car Insurance Review

1 cover tier from Cove Insurance Limited · coveinsurance.co.nz

Last refreshed 2026-05-20 · Data source: Supabase insurance.

Cover tiers

Comprehensive

RBNZ Financial Strength

See RBNZ register

RBNZ register

Legal entity

Cove Insurance Limited

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 ↗

Verified policy facts

Verbatim policy facts pending. We're in the process of ingesting Cove Insurance's current policy wording PDF so we can publish verbatim excess options, no-claims-bonus rules, drivers-under-25 rules, modified-vehicle rules, exclusions and waiting periods — the same way our sister site does for health insurance. Until then, please consult Cove Insurance's policy wording directly at coveinsurance.co.nz or contact us via /quotes/ for personalised advice.

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