{
  "vertical": "car",
  "insurer": {
    "slug": "cove",
    "name": "Cove Insurance",
    "brand_family": "cove"
  },
  "product": {
    "slug": "car",
    "name": "Cove — Car Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2021-01-01",
    "ingested_at": "2026-05-20T03:12:17.693047+00:00",
    "pdf_hash": "aa75079054d5d8fb9b2c59f5d77b0aae64e3d004bb78485d0e8f10ef4324ac99",
    "source_url": "https://www.coveinsurance.co.nz/wp-content/uploads/2020/12/Cove-Car-Insurance-Policy-2021-Release.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "glass": {
      "side_rear_covered": "yes — 'broken or chipped windscreen or window' covered under the optional extra",
      "no_excess_for_repair": "yes — No excess for car glass optional extra: If the only damage to your car is a broken or chipped windscreen or window your policy covers the repair costs and you don't have to pay an excess.",
      "windscreen_excess_nzd": "Optional extra 'No excess for car glass': no excess applies if only damage is broken or chipped windscreen or window."
    },
    "excess": {
      "standard_nzd": "The amount of the excess is shown in the policy schedule.",
      "windscreen_nzd": "Optional extra 'No excess for car glass': If the only damage to your car is a broken or chipped windscreen or window your policy covers the repair costs and you don't have to pay an excess."
    },
    "under_25": {
      "restricted_excess": "Not stated in extracted wording",
      "open_driver_covered": "no — Your car is not covered when it is being driven by any driver under 21 years of age.",
      "additional_excess_nzd": "Not stated in extracted wording",
      "learner_listed_required": "Not stated in extracted wording"
    },
    "exclusions": [
      "Your car is not covered if your car is being driven by or is in the control of an insured person who is: affected by drugs (either prescribed or not) or alcohol or has a percentage of alcohol in their breath or blood that is higher than the legal limit; and/or refuses to supply a breath or blood test or undergo any test when requested to do so.",
      "Your policy does not provide cover if at the time of the accident the driver or person in control of your car was using a handheld mobile phone, navigation device, or other communication device.",
      "Your car is not covered when it is being driven by any driver under 21 years of age.",
      "There is no cover if your car was damaged whilst being hired out, or you received financial reward or payment for the use of your car.",
      "Damage to your car is not covered if caused by the incorrect type of fuel or additive being used.",
      "Any failure of the car that is mechanical, electrical or electronic is not covered.",
      "Your car is not covered if your car has been modified.",
      "Anyone who drives your car once per month or more on an ongoing basis must be listed on your policy to be covered at claim time.",
      "Your policy does not provide cover if at the time of the accident your car was in an unsafe, unroadworthy or illegal condition.",
      "There is no cover under the policy if the driver of the vehicle is not legally allowed to drive in New Zealand, is in breach of their licence conditions, or is driving against the advice of medical professionals.",
      "The conditions of this policy will be considered breached if, at any time, the vehicle is used for business or commercial purposes, irrespective of how the vehicle was being used at the time of loss.",
      "There is no cover under this policy for liability which the insured person has agreed to accept, in circumstances where the insured person would not otherwise have been liable.",
      "There is no cover under this policy for any amount that is covered under the Accident Compensation Act 2001.",
      "There is no cover under this policy for any damage caused by insects, vermin, or rodents; or any domestic pet pecking, biting, clawing, scratching, tearing or chewing your car, or damage caused by their vomit, urine or excrement.",
      "There is no cover under this policy for betterment.",
      "There is no cover under this policy for loss or liability and defence costs connected in any way with civil commotion assuming the proportions of or amounting to an uprising, insurrection, rebellion, military or usurped power.",
      "There is no cover under this policy for any loss or liability directly or indirectly arising from or in any way related to confiscation, requisition, acquisition, destruction or damage to property by the order of the Government or a local authority.",
      "Your policy does not cover malicious or intentional damage caused by an insured person or anyone who normally lives at, or is lawfully at your home or has access to your car.",
      "There is no cover under this policy for depreciation or loss or reduction of value of your car whether or not following repair.",
      "Your policy does not cover the contamination the pollution or contamination of your car caused by the manufacture, storage, use, consumption or distribution of 'precursor substances' or a 'controlled drug' as defined in the Misuse of Drugs Act 1975.",
      "Your policy does not cover loss, liability, costs or expenses from any cause whatsoever for: the total or partial destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of electronic data; any error in creating, amending, entering, deleting, or using electronic data; or the total or partial inability or failure to receive, send, access or use electronic data for any time or at all.",
      "Your policy does not provide cover for your excess, unless otherwise stated.",
      "There is no cover under this policy for loss due to fault, defect, error or omission in design or construction defects in workmanship, or any process of cleaning, renovation or restoration.",
      "Your policy does not cover legal costs and expenses relating to any charge or offence; or any fine or penalty; or any punitive or exemplary damages.",
      "There is no cover under this policy for rust, corrosion, rot, mildew or gradual deterioration, unless otherwise stated in the policy.",
      "There is no cover under this policy for loss of use of your car or any consequential loss.",
      "Your policy does not cover loss, liability, costs or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism.",
      "Your policy does not cover any loss for theft or burglary by an insured person or anyone who normally lives at, or is lawfully at your home, or has access to your car or your car keys.",
      "Your policy does not cover any pre-existing damage to your car that has not been repaired at the time this policy starts.",
      "Your policy does not cover loss or liability directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war; mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power.",
      "Your policy does not cover damage that is solely cosmetic in nature or directly associated to the usual aging of the car. This includes but is not limited to, damage by sunlight and minor scratches, chips, dents or scuffing that occur through standard use of the car over time.",
      "There is no cover under this policy for any loss that occurs within 48 hours of the start date of your policy term caused by a natural disaster, storm (including hail), flood, wildfire or landslip.",
      "Your claim or that of any other person covered under this policy will not be covered if you or they are reckless or grossly irresponsible."
    ],
    "rental_car": {
      "days": "Optional extra 'Courtesy car hire': Provides an alternative vehicle if yours is off the road due to an event covered by this policy.",
      "after_theft": "yes — available when purchased as optional extra for events covered by the policy",
      "after_at_fault": "yes — available when purchased as optional extra for events covered by the policy"
    },
    "value_basis": {
      "market_default": "no",
      "agreed_available": "yes",
      "total_loss_basis": "If your car cannot be repaired because it is uneconomic or unsafe to repair or it has been stolen and not recovered, and we pay you the agreed value as settlement in your claim with us.",
      "sum_insured_increases": "Not stated in extracted wording"
    },
    "modifications": {
      "must_be_declared": "You must tell us about any modifications to your car.",
      "performance_mods_excluded": "Modifications includes engine components that enhance performance (e.g. turbochargers or over-sized injectors), including exhaust system upgrades or reprogrammed ECUs. Cover is excluded if the car has been modified.",
      "cover_voided_if_undeclared": "Your car is not covered if your car has been modified."
    },
    "natural_disaster": {
      "hail_covered": "yes — subject to 48-hour standdown: There is no cover under this policy for any loss that occurs within 48 hours of the start date of your policy term caused by a natural disaster, storm (including hail), flood, wildfire or landslip.",
      "flood_covered": "yes — subject to 48-hour standdown: There is no cover under this policy for any loss that occurs within 48 hours of the start date of your policy term caused by a natural disaster, storm (including hail), flood, wildfire or landslip.",
      "storm_covered": "yes — subject to 48-hour standdown: There is no cover under this policy for any loss that occurs within 48 hours of the start date of your policy term caused by a natural disaster, storm (including hail), flood, wildfire or landslip.",
      "volcanic_covered": "Not explicitly stated in extracted wording",
      "earthquake_covered": "yes — subject to 48-hour standdown: There is no cover under this policy for any loss that occurs within 48 hours of the start date of your policy term caused by a natural disaster."
    },
    "ride_share_rules": "There is no cover if your car is used for ride-sharing such as Uber, Ola, or Zoomy; or under any type of hire arrangement or agreement, including peer-to-peer services such as YourDrive.",
    "territorial_scope": "Cover under this policy is provided in New Zealand only.",
    "business_use_rules": "The conditions of this policy will be considered breached if, at any time, the vehicle is used for business or commercial purposes, irrespective of how the vehicle was being used at the time of loss. This policy provides cover for personal use only. Your policy will be in breach and there will be no cover whatsoever if at any time, your car is used for commercial purposes or to undertake business activities in any trade, business or profession, including, but not limited to: to carry or transport tools and equipment or hazardous materials such as explosives and gas; or to carry or deliver goods including delivering for Uber Eats; or to carry or deliver stock or samples; or to visit clients, customers, sites or premises away from your primary location of work. If you use your car to visit clients and do not carry tools and equipment, stock and samples we may be able to provide special acceptance for limited business use. Please contact us to discuss. All commercial, business or professional use must be approved by us and noted on the schedule before cover applies.",
    "cover_tiers_in_wording": [
      "comprehensive"
    ]
  },
  "endpoints": {
    "summary": "/api/car/product/cove/car/summary.md",
    "wording": "/api/car/product/cove/car/wording.md",
    "history": "/api/car/product/cove/car/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/car/product/cove/car/facts.json",
  "generated_at": "2026-07-05T00:18:25.865Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}