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⭐ In-Depth Review | Updated March 2026

Cove Insurance Reviews

Cove is a digital-first NZ insurance brand offering car, pet, house and contents insurance at competitive prices. We've aggregated ratings from Google, Feefo, Trustpilot, and editorial sources to give you the full picture.

Visit Cove Insurance Alternatives
Last reviewed: 4 March 2026 • Sources: Google, Feefo, Trustpilot, Canstar
4.7/5
Poor Average Excellent
2,381+
total reviews
"Switched from AA and saved over $40/month on my 2019 Mazda CX-5. Whole process took five minutes online."
Google, 2025 ★★★★★
"Claim sorted within three days. Really impressed with the communication throughout."
Feefo, 2025 ★★★★★
"Love the monthly billing with no lock-in. Only downside is no third-party option."
Google, 2024 ★★★★☆
"Pet insurance claim was super easy. Vet bills would have been $3,000+ without cover."
Feefo, 2025 ★★★★★
"Been with Cove two years. Price barely changed. Much more transparent than my old insurer."
Feefo, 2025 ★★★★★
"Great price and easy to use, but wish they covered drivers under 21 for my daughter."
Google, 2024 ★★★★☆
89%
Positive
8%
Mixed
3%
Negative

In This Review

Company Overview Ratings Breakdown Customer Review Highlights Products Offered Pricing Deep-Dive Pros & Cons How Cove Compares Alternatives to Cove Who Is Cove Best For? Our Verdict Frequently Asked Questions Our Methodology

Company Overview

What is Cove Insurance and who's behind it?

Cove Insurance is a digital-first New Zealand insurance brand founded in 2017 by Andy Coon, Brett Wilson, Rob Coon, and Chris Coon (Chairman). The company launched to the public in 2018 with a focus on making insurance simple, transparent, and affordable through an entirely online experience.

Cove's team brings experience from some of New Zealand's biggest insurers including Suncorp, AA Insurance, QBE, Tower, and Sovereign. This blend of insurance industry expertise and tech-forward thinking underpins Cove's online-only model and its strong customer satisfaction record.

Based in Auckland, Cove currently offers:

Cove's approach is 100% online: you can get a quote, buy a policy, and manage claims without speaking to anyone. You can pay monthly or annually, with no lock-in contracts, making it easy to switch or cancel at any time.

Ratings Breakdown

How customers rate Cove across major review platforms

Google Reviews
4.7
★★★★★
681 reviews
Feefo
4.7
★★★★★
1,700+ reviews
Trustpilot
2.5
★★★☆☆
8 reviews
Very small sample size
Canstar
★★★★★
★★★★★
5-star rating

Note on Trustpilot: Cove's Trustpilot rating (2.5) is based on just 8 reviews (checked September 2026), making it statistically unreliable on its own. Their Google and Feefo ratings, based on 2,381+ combined reviews, carry most of the weight. We weight ratings by review volume in our overall assessment, and platforms with fewer than 50 reviews are given reduced weighting. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Customers Are Saying

Common themes from 2,381+ verified reviews across Google and Feefo

Switched from AA and saved over $40 a month on my 2019 Mazda CX-5. The whole process took about five minutes online. No phone calls, no hassle.

Google Review, 2025 ★★★★★

Had a fender bender and the claim was sorted within three days. They assigned me a claims manager who kept me updated the whole way. Really impressed.

Feefo, 2025 ★★★★★

Love the monthly billing with no lock-in. Makes it easy to budget. Only downside is no third-party option if you just want basic cover.

Google Review, 2024 ★★★★☆

Pet insurance claim was super easy. Our dog needed surgery and Cove paid out within a week. The vet bills would have been over $3,000 without cover.

Feefo, 2025 ★★★★★

Great price and easy to use, but I wish they covered drivers under 21. Had to go elsewhere for my daughter's car insurance.

Google Review, 2024 ★★★★☆

Been with Cove for two years now. Renewed automatically each month and the price has barely changed. Much more transparent than my old insurer.

Feefo, 2025 ★★★★★
89%
Praise pricing
84%
Rate claims positively
91%
Find sign-up easy
78%
Rate overall positive

Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 500 Google and Feefo reviews as of March 2026.

Products Offered

What you can (and can't) insure with Cove

🚗 Cove Car Insurance

Available

Comprehensive cover for vehicles valued under $80,000. Cove's flagship product, fully managed online with monthly billing and no lock-in contracts.

Comprehensive cover
Optional windscreen cover
Rental car add-on
Roadside assist add-on
Pay monthly or annually, no lock-in
Drivers aged 21+
From ~$65/mo
Visit Website Compare Car Insurance

🐾 Cove Pet Insurance

Available

Cover for cats and dogs, helping with vet bills for accidents, illness, and routine care. Launched in 2022 with the same simple online experience.

Dogs and cats covered
Accident & illness cover
Routine care option
Online claims
From ~$30/mo
Visit Website Compare Pet Insurance

🏠 Cove House Insurance

Available

Sum insured cover for NZ homes, underwritten by Vero Insurance New Zealand Limited. Quote and buy online in minutes, then manage the policy in My Cove.

Natural hazard cover alongside the NHC
SumExtra if your rebuild costs more than your sum insured
Temporary accommodation up to $30,000
Retaining walls up to $50,000
$5,000 stress payment on a total loss
Optional landlord's extension
Quote online in minutes
Visit Website Compare House Insurance

📦 Cove Contents Insurance

Available

Cover for your belongings whether you own or rent, underwritten by Vero Insurance New Zealand Limited. Available on its own, without a house policy.

Most contents replaced as new
Accidental loss or damage anywhere in NZ
Temporary accommodation up to $20,000 (renters $5,000)
Home office equipment up to $15,000
Jewellery and watches $3,000 per item
One excess when one event hits house and contents
Quote online in minutes
Visit Website Compare Contents Insurance

Pros & Cons

The good and the not-so-good based on customer reviews and our analysis

👍 Pros

  • Monthly pricing with no lock-in contracts, so switching or cancelling is straightforward
  • Fast, fully online experience: get a quote and buy in minutes
  • No lock-in contracts: monthly billing, cancel anytime
  • Strong customer ratings: 4.7/5 across 2,381+ reviews
  • Quick claims process with dedicated claims manager for major claims
  • Experienced team from major NZ insurers (AA, Tower, QBE, Suncorp)

👎 Cons

  • Comprehensive cover only (no third-party or third-party fire & theft)
  • Drivers must be 21+ (not suitable for young drivers)
  • Vehicles must be valued under $80,000
  • No commercial use cover (ride-sharing, couriers excluded)
  • No travel, life or business insurance
  • Some reports of communication delays on complex claims

Pricing Deep-Dive

How much does Cove car insurance actually cost? Indicative examples based on customer reports

Cove doesn't publicly list fixed pricing. Like all insurers, premiums are calculated based on your individual risk profile. However, based on customer reviews, community reports, and our market analysis, here are indicative monthly premiums for common driver profiles. We have not compared these against other insurers, as no published source supports a like-for-like saving figure:

👩

Urban Professional

32 years old, clean record
2020 Toyota Corolla
Auckland, off-street parking
$65-85
/month
👨

Suburban Family

42 years old, no claims 5yr
2021 Mazda CX-5
Wellington, garage parking
$85-110
/month
👨‍🦱

Young Driver

22 years old, 1 year licensed
2017 Honda Jazz
Christchurch, street parking
$110-145
/month

Disclaimer: These are indicative estimates based on publicly reported customer experiences and market comparisons, not official Cove quotes. Your actual premium will vary based on your specific circumstances. Get an accurate quote at coveinsurance.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Affects Your Cove Premium?

📍

Location

Auckland typically costs more than regional areas due to higher theft and accident rates.

🚗

Vehicle Value & Type

Higher-value vehicles cost more to insure. SUVs and performance cars attract higher premiums than sedans.

📋

Claims History

No claims in the past 3-5 years significantly reduces your premium. Recent at-fault claims increase it.

🅿️

Parking & Storage

Garage parking is cheapest. Off-street parking costs moderately more. Street parking attracts the highest premiums.

🎂

Driver Age & Experience

Drivers aged 30-60 with 5+ years' experience typically get the best rates. Younger drivers (21-25) pay more.

💵

Excess Amount

Choosing a higher voluntary excess ($500-$1,000) can reduce your monthly premium by 10-20%.

How Cove Compares

Cove vs. other popular NZ car insurers

Feature Cove AA Insurance Tower AMI State
Overall Rating 4.7/5 2,381 reviews 3.8/5 4.2/5 2.0/5 3.8/5
Cover Types Comprehensive only Comp, TP, TPFT Comp, TP, TPFT Comp, TP, TPFT Comp, TP, TPFT
Online Quotes Instant Instant Instant Instant Instant
Billing Monthly only Monthly or Annual Monthly or Annual Monthly or Annual Monthly or Annual
Min Driver Age 21+ Any (with excess) Any (with excess) Any (with excess) Any (with excess)
Max Vehicle Value $80,000 No stated limit No stated limit No stated limit No stated limit
Roadside Assist Add-on Included Add-on Add-on Add-on
Windscreen Cover Add-on Included Included Included Included
Price Range $$ $$$ $$$ $$$ $$$

Disclaimer: Ratings are aggregated from Google, Feefo, Trustpilot, and Canstar where available. Pricing is indicative based on market comparisons and customer reports. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Alternatives to Cove Insurance

Other NZ insurers worth considering, especially if Cove doesn't fit your needs

AA Insurance logoAA Insurance
★★★★★

One of New Zealand's best-known general insurers, named Reader's Digest Most Trusted general insurer for 16 years running. Offers car, home, contents, and travel insurance with a strong branch network. Best for customers who want face-to-face service and AA Membership benefits. Covers all driver ages and vehicle values.

Comp, TP & TPFT cover
All driver ages accepted
Branch network nationwide
AA Membership benefits
Read Full Review
Tower Insurance logoTower Insurance
★★★★★

NZ-owned insurer with a strong digital platform. Offers comp, third-party, and TPFT cover. Known for innovative features like SmartDriver discounts. Good middle-ground between digital-first and traditional service.

Comp, TP & TPFT cover
SmartDriver discounts
Strong digital platform
NZ-owned & operated
Read Full Review
AMI Insurance logoAMI Insurance
★★★★★

Part of the IAG group (NZ's largest insurance group). Offers a full range of personal insurance. Strong in regional NZ with a large branch network. Good for bundling home + car + contents policies.

Full product range
Multi-policy discounts
Strong regional presence
All driver ages accepted
Read Full Review
State Insurance logoState Insurance
★★★★★

One of NZ's oldest insurers (est. 1905). Also part of IAG. Known for reliable claims handling and multi-policy discounts. Good option for customers who want an established, trusted brand with comprehensive product range.

Established since 1905
Reliable claims handling
Multi-policy discounts
Comprehensive product range
Read Full Review
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Who Is Cove Insurance Best For?

Cove is a great fit for some drivers, but not everyone

💰

Budget-Conscious Drivers

If you are comfortable with comprehensive-only cover and want to buy and manage a policy entirely online, Cove may suit. Compare quotes from a few insurers to see how its pricing lands for your situation.

💻

Tech-Savvy Customers

If you prefer managing everything online without phone calls or branch visits, Cove's digital-first approach is ideal.

🔄

Flexibility Seekers

Monthly billing with no lock-in means you can cancel or switch at any time. Great if you want to try before committing long-term.

⚠️

Not Best For

Drivers under 21, vehicles worth $80k+, anyone needing third-party only cover, commercial drivers, or those who want one insurer for everything.

Our Verdict

Compare.org.nz's editorial assessment of Cove Insurance

8.2
out of 10
Very Good
Our editorial score for cover, price and claims. It is separate from the customer rating.

Cove delivers on its core promise of affordable, hassle-free insurance for eligible Kiwi drivers.

Cove Insurance has earned its strong reputation through competitive pricing, a genuinely easy online experience, and a claims process that customers rate highly. With a 4.7/5 average across 2,381+ reviews, Cove is one of the highest-rated insurance brands in New Zealand, a notable achievement for a company founded just eight years ago.

The tradeoffs are clear and well-defined: you get comprehensive-only cover, monthly billing only, and must meet eligibility requirements (21+, vehicles under $80k, no commercial use). For drivers who fit that profile, Cove is worth including when comparing quotes. For everyone else, traditional insurers like AA Insurance or Tower offer broader coverage options.

Cove has now added house and contents insurance, both underwritten by Vero Insurance New Zealand Limited, so homeowners and renters can hold their home, belongings, car and pet cover with one brand. If one event damages both your house and your contents at the same address, Cove charges only the larger excess. The score above is for its car cover. House and contents are rated separately on our comparison pages.

Pricing
9.2
Ease of Use
9.4
Claims Process
8.3
Cover Options
5.5
Product Range
5.0
Customer Service
8.6

Frequently Asked Questions

Common questions about Cove Insurance

Yes. Cove Insurance is a registered New Zealand insurance brand that has been operating since 2018. They hold over 2,000 positive reviews across Google and Feefo, with a 4.7/5 average rating. Their team includes experienced professionals from major insurers like Suncorp, AA Insurance, QBE, and Tower.
Cove offers comprehensive car insurance, pet insurance for cats and dogs, house insurance and contents insurance. House and contents cover is underwritten by Vero Insurance New Zealand Limited, and car and pet cover by Aioi Nissay Dowa Insurance Company Limited.
Cove does not publish fixed prices, and we have not found a published source that measures its prices against other insurers. Exact pricing depends on your vehicle, driving history, and location, so comparing quotes from a few insurers is the only reliable way to see where Cove lands for you. You can get a quote online in minutes at coveinsurance.co.nz.
Cove has a 4.7/5 rating on both Google (681 reviews) and Feefo (1,700+ reviews). Customers frequently praise the quick and easy online experience and fast claims settlements. For major claims, Cove assigns a dedicated claims manager. However, a small number of Trustpilot reviews mention communication delays on complex claims.
Yes. Cove sells house insurance online, underwritten by Vero Insurance New Zealand Limited, and contents insurance as a separate policy that you can hold alongside it or on its own. You can get a quote in about five minutes and buy on the spot.
Key limitations include: only monthly policies (no annual option), comprehensive cover only (no third-party or third-party fire & theft), drivers must be 21 or older, vehicles must be valued under $80,000, no cover for commercial use (ride-sharing, couriers), and a limited product range compared to full-service insurers like AA or Tower.

Our Review Methodology

How we research and rate insurance companies

Data Sources

This review is based on data collected from the following sources, last verified in March 2026:

How We Calculate Scores

Our editorial scores (out of 10) are calculated using a weighted methodology that considers:

  • Customer ratings (40%): aggregated scores from review platforms, weighted by review volume. Platforms with fewer than 50 reviews are given reduced weighting.
  • Product features (25%): range of cover options, add-ons, excess flexibility, and policy terms compared to market average.
  • Pricing competitiveness (20%): based on reported customer savings, market positioning, and our indicative quote comparisons.
  • Claims experience (15%): customer-reported claims satisfaction, average settlement times, and IFSO complaint records.

Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with your insurer and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Get a Quote from Cove

Go straight to Cove Insurance to request a quote, or compare them against other NZ providers first.

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