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Rating from CANSTAR

Our Take

Cove is a fully digital, Kiwi-owned car insurer that appeals to younger drivers and tech-savvy users. It offers a clean online experience, flexible policy management via mobile, and competitive pricing. Though still relatively new, Cove has earned trust through simplicity and innovation.

👍 Pros

• 100% digital: quote, buy, manage online.
• Flexible monthly billing (no cancellation fees).
• Great mobile & web user experience.
• Fast and easy claims handling.
• Transparent pricing model.

👎 Cons

• No phone support or branches.
• Limited optional add-ons.
• Not ideal for non-digital users.

Cove Car Insurance Review

insurspy gives Cove a 4.4-star rating. As a modern digital-first provider, Cove is loved for its simplicity, transparency, and flexibility. It suits users who want low-commitment policies and app-based self-service.

Is Cove a Good Car Insurance Company?

Yes, especially for tech-savvy users. Not recommended if you prefer traditional service or face-to-face interactions.

How Much Does Cove Insurance Cost?

Cove is one of New Zealand's more affordable insurers, particularly for low-risk drivers. Policies are month-to-month and cancel anytime.

Discounts

• No-claims bonus
• Parked car discount
• Referral credits
• Cancel anytime with no penalties

Coverage Options

• Third Party
• Third Party Fire & Theft
• Comprehensive

Optional Extras: Windscreen Cover, Agreed Value, Rental Car After Accident

Industry Ratings

• AM Best (underwriter via AA Insurance): A
• Canstar: 5 stars (2024)
• Tech Innovation Finalist (2023)

Customer Reviews

4.4 / 5 (Reviews from NZ Trustpilot)

⭐⭐⭐⭐⭐ – 0%
⭐⭐⭐⭐ – 0%
⭐⭐⭐ – 33%
⭐⭐ – 33%
⭐ – 33%

Contact Cove

• Website: www.cove.co.nz
• Contact: Online chat only (no phone support)

Methodology

insurspy scores are based on insurer reputation, user experience, pricing transparency, and tech-driven innovation. Ratings updated annually.