You can get 1x free month via a $100 discount when joining Cove Insurance. Feel free to use my refer-a-friend referral promo link below.

Promo link for $100 off

Start your sign up quote via this link and you’ll get $100 off if you sign up.

Screenshot of referral page for $100 off first free month.
^ what you’ll see after clicking the link above.

How does the discount work?

  1. You join cove using my referral link
  2. Complete a quote
  3. You like the quote & sign up
  4. We both get 1 free month 🙂

About Cove car insurance

  • Cove only offers “full” cover, and won’t insure any car valued above $80k
  • Price depends on things like your driving profile, your insurance history and vehicle specifications or price.
  • Pretty easy to use website – takes a couple mins to get a quote from them and decide for yourself it it’s worth it.
  • Kiwi business founded in 2019
  • Monthly or yearly subscriptions.

Summary of their car insurance coverage

  • 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 $1k
  • Replacing keys and locks if your keys are lost or stolen

Some excludes to be aware of

  • People under 21
  • Learner licenses
  • Modified cars
  • Commercial cars (including Uber, Ola, UberEATS etc)
  • High-performance cars – I think they define this over a certain engine L or power, not sure.
  • They may have added/updated some be sure to check your own terms and decide for yourself.

You can add some extras

When I signed up these were all available in the sign-up screen – all adding a little to the total, you can opt in to any you want:

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

How much does Cove Insurance cost?

Price varies based on your personal situation and between providers. But based on a quick check of a Toyota Mark X 2010 I got $833 per year. This compares to a phone quote $786 via AMI for the same details (sum insured, my info, glass, no claims, full). So with the discount – Cove works out pretty good.

Is Cove Insurance any good?

Google4.2 out of 574 reviews
Feefo4.7 out of 5581 reviews
a roundup of 3rd party public reviews

Frequently Asked Questions

How many times can I get a free month?

You can only be referred to Cove once, and can only get 1 free month in the form of $100 account credit.

What does ‘free month’ mean?

Cove applies a $100 credit to your account, which is what they refer to as a ‘free month’. $100 normally covers at least one Cove policy for a month. For some there might still be an amount to pay following the application of the $100 for that month. Remaining credit is cleared at end of month cycle.

I want to pay cove insurance annually, can I do this?

Yes, just pick the annual option when you sign up.

When can I expect my refund from them?

Typically takes between 3-5 days but can take longer. This is for if change of mind after signup, within 14 days.

Ready to get your $100 off free month?

Start your quote:

More info & full T&C’s below

Information about the refer-a-friend deal. Last pulled Mon 11th April 2022. Note when reading the terms, that because this is technically ‘refer a friend’ some of the language below refers to that.

Refer a Friend – Terms & Conditions
Cove’s Refer a Friend program is designed to encourage Cove’s customers to tell their friends about Cove so they become customers and to reward them for doing so. The reward is a reduction of their next premium payment of up to $100. The same reward is provided to their friend if they become a Cove customer.

Participation in the Refer a Friend program (“The Program”) is subject to these terms and conditions, which are part of the Cove Terms of Use. Capitalised terms that are not defined here will have the same meaning given to them in the Cove Terms of Service. Cove (“Cove Limited”) reserves the right to terminate The Program at any time and for any reason.

If you have any questions, concerns or comments about our Online Services or our Terms of Use, please contact us by either:

Visiting us online at; or
Calling us on 0800 COVEHQ.

Cove Customer – A person who has purchased a policy with Cove
Invited Customer – A person who has received an invite from a Cove Customer
Refer a Friend Discount – Discount of up to NZ$100 equivalent to be used on Cove policy purchases or renewal payments in a given renewal cycle (one month). This is also referred to as a ‘free month’.

How to Earn Refer a Friend Discounts

You can earn Refer a Friend discounts by telling your friends about Cove, and them becoming customers. To do this, you simply send your friend an invite using the links provided in My Cove, as described below in the Sharing Invites section.

The invite will provide your friend with a link, which if activated, will entitle them to receive a discount of up to NZ$100 to apply towards a new policy purchased by them. They can use any remaining Discount after the initial policy purchase to purchase additional policies in the same (initial) billing period. To be eligible for Discounts, an Invited Customer must:

Satisfy Cove’s normal underwriting criteria for the relevant policy
Be a new Cove customer (no current or previous policies with Cove)
Register a valid credit card on initial purchase for subsequent renewal payments. Standard renewal payments will be automatically debited after any Discounts have been used.
The Cove Customer will also receive Discounts on their next policy renewal payment (up to NZ$100) after the Invited Customer pays their first renewal in full. Any remaining Discount can be used to purchase new policies in the same monthly renewal cycle. Any Discount remaining at the end of the renewal cycle (if any) is forfeited. Standard renewal payments will be automatically debited after any Discounts have been used.

How to Redeem Earned Discounts

Discounts will be applied automatically to the Cove Customer’s premium payments, which are paid on each renewal cycle and/or new policies purchased in the same renewal cycle. Invited Customers will have any relevant Discount applied whilst purchasing their new policy.

Discounts are for promotional purposes; they have no cash value and may not be transferred or exchanged for cash. Discounts can only be used for payment of renewals (for a Cove Customer) and new policies with Cove (for Cove Customers or Invited Customers).

If for any reason you believe that there is a discrepancy regarding your Discount, please contact us. Cove may require you to submit additional information in order to make a determination regarding your balance. All decisions regarding your balance will be final and at Cove’s sole discretion.

You are responsible for any tax consequences, if any, that may result from Discounts applied. Where applicable, Cove may be required to account for GST and levies on any services for which a Discount has been applied.

Specific Exclusions

Discounts can only be used for Renewal payments (Cove Customers) or purchase of new policies (Invited Customers and Cove Customers).

Discounts cannot be used for policy endorsements, such as adding optional extras after initial policy purchase or for any other purposes, including but not limited to payment of claim excess.

Only one Discount can be used in a given renewal cycle, up to a maximum of NZ$100.

Remaining Discounts (if any) are forfeited after the renewal cycle in which they were issued

The Discount earned can only be applied to the policy renewal or purchase of new policies by the Cove Customer who sent the invite. Discounts, or remaining discounts (if any), accrued by separate Cove Customers cannot be combined or applied to the account of another Cove Customer.

There are no refunds applicable to policies paid (or part thereof) with Discounts. For example, Cove normally refunds the premium paid if the policy is cancelled within 14 days, provided no claim has been made. If this was a $120 policy paid with a $100 Discount and $20 cash, a refund of $20 would be applicable. The $100 Discount would be forfeited in this example.

The Program may not be combined with other Cove referral programs or incentives.

Multiple Invites

An Invited Customer may only use one invite message from a given Cove Customer. If the Invited Customer takes out a policy, they become a Cove Customer. The link used by the Invited Customer will determine which Cove Customer is eligible for receiving a Discount. A Cove Customer can issue invites to as many of their friends as they choose, or even people they don’t like, subject to the above clause banning commercial use and spamming. Once a Discount has been earned from a given invite, no further Discounts can be earned.


If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck out and not affect the validity of and enforceability of the remaining provisions.

Termination and Changes

Cove may suspend or terminate The Program or a particular user’s ability to participate in The Program at it’s discretion at any time without giving any reason.

Cove has the absolute discretion to cancel policies or remove/reverse Discounts if we notice any activity that we believe is abusive, fraudulent, or in violation of the intent of Cove Terms of Service or The Program Terms and Conditions. Cove reserves the right to review and investigate all invite activities and to suspend users or modify Discounts in our sole discretion, as deemed fair and appropriate by Cove.

The scope, variety, and type of services and products that you may use earned Discounts on can change at any time.

Updates to the Terms

Cove can update these terms at any time without prior notice. If we modify these terms, we will post the modification on the Cove website, which are effective immediately upon posting, unless otherwise stated. Continued participation in the The Program after any modification shall constitute consent to such modification.