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Car insurance made for today

We’ve teamed up with Cove to provide comprehensive cover at a discounted price for Sharesies customers—a new way to protect your wealth from life’s potholes. 

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Comprehensive cover at a competitive price

  • Get your first month free (up to $100)

  • Annual payment discount of nearly 10%

  • Multi-policy discount of nearly 10%

  • Plus our mates’ rates discount of 5%

  • Earn 1 Airpoints Dollar™ for every $100 of premiums paid pro-rata

To be eligible for the 5% discount, you must have a current Sharesies account. Terms & conditions apply for the discounts. Eligibility and Terms & Conditions apply to all Sharesies Airpoints™ offers.
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5% discount for Sharesies customers

Earn Airpoints Dollars™

Earn 50 bonus* Airpoints Dollars™ on new car insurance policies purchased between 1 July and 31 August 2025. That's on top of what you’ll earn on your car insurance premiums—1 Airpoints Dollar for every $100 of premiums paid, pro rata.

Offer details

*The offer doesn’t apply to renewals of existing policies. 

To receive the 50 bonus Airpoints Dollars you need to add your Airpoints™ number into Sharesies, and the Sharesies Car Insurance by Cove Policy:

  • has to be active at the time the bonus Airpoints Dollars are awarded, and

  • must be maintained for at least 6 months. We may request Air New Zealand to reverse the Airpoints Dollars from your Airpoints account if the policy is cancelled within the first 6 months.

**Sharesies and Cove Promotional Terms & Conditions apply, and eligibility and Terms & Conditions apply to all our Airpoints™ offers.
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It’s all in the app

Insurance is another pitstop on your way to what wealth means to you. Why not do it all in Sharesies? Manage your car insurance alongside your investments, KiwiSaver, and savings.

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A policy that suits you

From agreed car value, selecting your excess, and easily saving your quote for later, it’s a policy you can tailor to you—today. Exactly how insurance should be.

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Have more visibility more often

Easily manage your policy, see renewal and payment dates, or make a claim—your cover will always be handy. 

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Inclusions and extras at a glance

What’s included

  • Fire

  • Theft 

  • Damage

  • Replacement car

  • Emergency accommodation 

  • Trailers 

  • Keys and locks

Add-ons

  • Excess-free windscreen cover

  • Courtesy car hire

  • Roadside assistance

Terms and conditions and limits apply. See Policy Wording for full details.

In great company, with Cove

Cove is a fellow NZ industry challenger and Platinum Trusted Service Award winner. Their policies are underwritten by one of the world’s largest insurers, A+ financial strength rated Aioi Nissay Dowa.

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This insurance is issued by Cove Limited in accordance with the authorisation granted to it by the underwriter, Aioi Nissay Dowa Insurance Company Limited. Sharesies receives revenue from Cove for insurance policies sold through Sharesies.

Speedy cover if you’re starting or switching

If car insurance is new to you, we’ve made it as streamlined as possible. And if you have an existing policy? You can switch as soon as you’d like. 

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Psst. Already have a Sharesies account? Log in now

For roadside assistance or to make a claim

Head to your policy in the Sharesies app, or call Cove on 0800 268 347.

Take a deep breath.

Together with Cove, we’re here to help.

Learn more about insurance