How to get a car insurance quote or policy
On your Portfolio overview, select 'Get car or pet insurance', then 'Car insurance'.
After the intro screens, confirm where the vehicle will be parked at night and enter its number plate. You’ll also need to confirm your licence type and your driving experience.
You’ll then be provided with a quick estimate. If you’d like to continue to a full quote that you can adjust, select ‘Continue to quote’.
Select the excess, add any additional drivers, and choose optional extras (like roadside assistance, courtesy car hire, or excess-free glass repairs). You’ll also need to answer some additional questions.
Review the quote, and edit any details if you need to.
Review the policy wording.
The quote will be saved so you can return to it later. You can access it under Insurance from your Portfolio overview.
To buy the policy, select when you’d like it to start, whether you want to pay monthly or annually, then enter your payment details (credit/debit card).
To earn Airpoints Dollars™ on your insurance, enter your Airpoints™ number. You can earn 30 bonus Airpoints Dollars for new car insurance policies, and 1 Airpoints Dollar for every $100 of premium paid pro rata. Eligibility and terms and conditions apply.
You’ll be emailed a copy of the policy. You can also access it through your Portfolio overview under Insurance.
Car insurance eligibility
You may be able to get Sharesies Car Insurance by Cove if:
you’re 21 years old or over
your car is for personal car use only, not for commercial or business use
your car is not worth more than $130,000 NZD
your car isn’t an excluded model, older than 1980, a 3-seater van, or performance vehicle. Reach out to our Customer Care team if you’re unsure whether your car may fall into this category.
How to get a pet insurance quote or policy
On your Portfolio overview, select 'Get car or pet insurance', then 'Pet insurance'.
Confirm your pet’s type (dog or cat), breed, gender, birthdate, and whether they’ve been desexed.
Let us know if you plan to have more than one policy with Cove (you’ll get a multi-policy discount if you do. Terms apply.)
Check your details, then select 'Get estimate'.
Review your estimates. Select an estimate to continue to a full quote, or exit if you’re done. (Just note your estimate won’t be saved if you exit now).
Pick a cover type, any optional extras (like Dental or Everyday cover), and how you’d like to pay—monthly or yearly.
Select 'Next' and answer a few extra questions.
If you’d like to come back to your quote, select 'Save and exit' (your quote will be saved under Insurance > Pet insurance in your Portfolio overview).
If you’d like to purchase your policy, enter your payment details (credit/debit card) on the next screen and tap Confirm.
To earn Airpoints Dollars™ on your insurance, enter your Airpoints™ number. You can earn 1 Airpoints Dollar for every $100 of premium paid pro rata. Eligibility and terms and conditions apply.
You’ll be emailed a copy of the policy. You can also access it through your Portfolio overview under Insurance.
Pet insurance eligibility
You may be able to get Sharesies Pet Insurance by Cove if your pet is:
a dog or cat
a companion or assistance animal
between 8 weeks and 12 years old to start cover. Once your cover is active it can continue past 12.
Sharesies Pet Insurance by Cove does not cover:
other types of animals
farm animals
animals used for work, breeding, or sport
breeds that are illegal in New Zealand, including Pit Bull Terriers, Dogo Argentino, and any wolf hybrids
pre-existing health conditions (health issues that existed or your pet showed signs of before taking out the policy).
Types of pet cover
Accident only—covers unexpected injuries and accidents only.
Major cover—covers major accidents and serious illnesses.
Major + Minor cover—covers accidents and illnesses big and small.
The type of cover your pet can get depends on their age. Generally, younger pets can start a full range of cover, while older pets may only be eligible for accident-only cover.
Once cover is in place, most plans allow you to continue protection as your pet gets older, provided there are no breaks in your policy.
Read Cove’s policy wording for more information on what’s included under each type of cover.
Insurance underwriting
To offer car cover, we’ve teamed up with Cove. Cove is an independent NZ insurance provider underwritten by one of the world’s largest insurers, Aioi Nissay Dowa with an A+ financial strength rating. Sharesies Car Insurance by Cove is issued by Cove Limited in accordance with the authorisation granted to it by the underwriter, Aioi Nissay Dowa Insurance Company Limited.
Sharing your information
Sharesies and Cove may share information to provide you with, and email you about, your estimate, and any resulting cover.
Please see our Privacy Policy for further details on how we collect, hold, and use your personal information.