Our review of Cove Insurance

Welcome to our overview of Cove Insurance. This review covers a summary of Cove Insurance and their plans, who Cove Insurance may be suited to. And, we have gathered together Cove Insurance customer reviews and ratings, so that you can get an overview of what other people say about their service.

In this guide, we outline what Cove Insurance is, types of policies they offer their customers and points of differences from other insurance providers. We’ve also gathered together customer reviews from sites like Google Reviews, Facebook Reviews, and Feefo to give you an overview of what customers think about Cove Insurance.

Summary of Cove Insurance

A Kiwi business: Cove is a Kiwi insurance business that was founded in 2017

Digital & simple: Cove was created for people who prefer to manage their insurance digitally.  You can get a quote, claim, manage and cancel your insurance online with Cove.

Instant online quote: You can apply for Cove car insurance online with instant approval – meaning you could be covered in minutes.  

Choose how you manage your insurance: Cove allow customers to manage their insurance through an intuitive interface, accessible from any smartphone, laptop or tablet. Customers can also choose to contact them through their 0800 number, or online through live chat or email.

NZ Based customer service: Their team is based in New Zealand with offices in Auckland and Palmerston North. They guarantee that customers will always speak to a person in New Zealand when dealing with Cove.

Outline of Cove Insurance Plans

Cove Insurance offer car and phone insurance plans.  You can apply for Cove car insurance online with instant approval – meaning you could be covered in minutes.  You can get a quote, claim, manage and cancel your insurance online with Cove.

Here is a summary of the benefits available as part of a Cove car insurance policies – learn more about policy details from Cove.  Cove car insurance plans cover:

  • Fire – if your car is damaged by fire Cove policies cover the repair cost, or the agreed value of the car if it can’t be repaired
  • Theft – to cover repair costs, or the agreed value of the car if it can’t be repaired
  • Damage in an accident
  • New car cover, if at the time of the accident your car is less than 12 months old
  • No fault-no excess
  • Emergency accommodation or cover for transport costs if your car can no longer be driven as a result of an accident
  • loss to trailers to a maximum of $1,000
  • Replacing keys and locks if your keys are lost or stolen

Plus pick from flexible optional extras – only pay for what you need:

  • Courtesy car hire for up to 30 days if your car is being repaired or has been stolen
  • Roadside assistance
  • Excess free windscreen

Learn ABout Cove Car Insurance     GET ONE MONTH FREE 

Who is Cove Insurance suited to?

In our opinion Cove insurance is best suited to those of you who like to keep things simple, want to take control of your insurance, and are comfortable using apps to manage your insurance online.

Take control – A key benefit of Cove Insurance’s service is that you can manage your car and phone insurance via their app or online. But as an NZ-owned business with offices in Auckland and Palmerston North, when you want to speak to a person on the phone, you’ll be speaking to someone in New Zealand.

Keep it simple – manage the options yourself and only pay for what you need.  Simple insurance right in your pocket

Our Review

For a company that has only been around since 2017, Cove’s growth and positive reviews online certainly speak for themselves. They certainly seem to have built a positive reputation amongst their customer base. Customers speak about competitive rates, helpful customer support, and quick response times.

We’ve gathered together online customer ratings and customer reviews for Cove insurance – check them out below to see what customers say about their experience with Cove Insurance.

Cove Insurance Customers Reviews

We’ve gathered together customer ratings and customer reviews for Cove Insurance to give you a comprehensive overview of their services. We’ve pulled together customers reviews for Cove Insurance from Google Reviews, Facebook Reviews and Feefo Reviews.

Google Reviews about Cove Insurance

Cove Insurance customer reviews on Google are overall fairly positive – with an average score of 4.2 out of 5 out of 76 ratings.

We gathered together Google customer reviews for Cove insurance on 12 May 2022.  The reviews were largely positive – check out more reviews here

Amber D 5/5 10 months ago

The Cove team were really great at getting back to me when I made a claim for my phone.
Very reliable and staff were very helpful.
I felt assured and relaxed through the whole process and they were very understanding of my circumstances. Well worth the money.


Helena Vaineritua 5/5 10 months ago

Cove insurance was super easy to set up on my phone - took less that 5 minutes. Was a lot cheaper than my previous insurance with the same cover. Would 100% recommend to a friend.


Wayne Vaineritua 5/5 10 months ago

Great experience with Cove insurance. Was really easy for an old timer like myself to set up my car insurance. I also thought it was really good value for money for my children.


Sean M 5/5 7 months ago

I saved about $100 a year moving my car to Cove and it was super easy to get a quote and sign up


Mieke Grooten 5/5 10 months ago

Super fast & easy to set up my car insurance.
Great experience with Cove, highly recommend!


Nick Bryant 5/5 9 months ago

Super efficient sign up process. Experience was awesome!


Sally Cousins 5/5 10 months ago

Such an easy experience sorting our car insurance and took hardly any time. I was very pleased with the price too.

Feefo reviews about Cove Insurance

Cove Insurance has very positive reviews on Feefo – with customers giving Cove Insurance and average score of 4.7 out of 5 based on 83 ratings.

We gathered together Feefo customer reviews for Cove insurance on 12 May 2022.  The reviews were largely positive – view more Feefo reviews here


Customer Experience 4/5            
Ken Harris in Weymouth, Manukau, 9 days ago

Fast reaction time to request and reasonable rates.

Customer Experience 5/5
Hilbert Pretorius , 25 days ago

'Awesome experience!'

Awesome, intuitive, quick and accurate experience with the most affordable premiums!

Customer Experience 5/5
Steve Newman in Ohakune, 25 days ago

' Easy process '

Very quick to reply to request to unsure my phone
Easy process from start to finish and good rates too

Customer Experience 5/5
Charles Foot in Taihape, a month ago

Very good people to deal with. Good communications, very accommodating. Great customer service.

Customer Experience 5/5
Donald Mckenzie in Whangaparaoa, Auckland, a month ago

'Top class service '
They handled a difficult, sceptical customer with patience and skill and got him onside and purchasing their product---good job Cove

Customer Experience 4/5
Jason Wilkinson, a month ago

Cheapest comprehensive insurance I could find. Unfortunate their was no annual payment system - only monthly.

Customer Experience 5/5
Andy in Christchurch, 2 months ago

The service was very quick and efficient .the claim was dealt with with no problems thanks


Share your experience with Cove Insurance

We would love to know more about your experience about Cove Insurance. Leave your customer review here.

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Please note:

This information was updated on 12 May 2022.

Money Compare is not an Insurance Adviser, and this review has been published to provide an overview of services offered by Cove Insurance, and outline the pros and cons of Cove Insurance as an Insurance option.