Covi is a specialist NZ insurer focused on motorhomes, caravans, and campervans. Partnered with the NZ Motor Caravan Association (NZMCA) since 2009, Covi insures over 17,000 members. We've aggregated ratings from Google, NZMCA member feedback, and editorial sources to give you the full picture.
In This Review
What is Covi Insurance and who's behind it?
Covi Insurance is a specialist New Zealand insurer focused on motorhomes, caravans, campervans, and modified vehicles. Covi has been the official insurance partner of the New Zealand Motor Caravan Association (NZMCA) since 2009, continuing a member insurance scheme that dates back to 1958.
Based in Auckland, Covi currently insures over 17,000 NZMCA members across New Zealand. Policies are underwritten by NZI, which is part of IAG New Zealand Limited - one of the country's largest insurance groups.
Covi offers a range of cover tailored specifically for recreational vehicles:
Covi operates primarily through phone and email, with an online quote request available at covi.co.nz. Their 15+ year partnership with the NZMCA means they understand the specific needs of Kiwi motorhome and caravan owners. Contact Covi on 0800 805 965.
How customers rate Covi across major review platforms
Note on review data: Covi operates in a niche market (motorhomes, caravans, campervans) and does not have the same volume of online reviews as mainstream insurers. The NZMCA member feedback figure is based on member surveys and community forum sentiment. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Common themes from 320+ reviews across Google and NZMCA member feedback
The agreed value on my motorhome gave me real peace of mind. After five years of ownership, I know exactly what I'll get if it's written off. No arguments about depreciation.
Had a windscreen crack from a gravel road up north. No excess to pay because our caravan was insured for under $400k. Claim was straightforward and sorted quickly.
Cover is solid and the team clearly know motorhomes inside and out. Only downside is the online experience feels a bit dated - I had to phone to finalise my policy.
Wings Roadside Rescue is included, which is a huge bonus when you're touring remote areas. Used it once near Taupo and they arrived within 40 minutes.
Been with Covi through NZMCA for six years now. Premiums are fair for the level of cover you get, and the automatic fixtures and fittings cover saves a lot of hassle.
Good specialist cover, but pricing felt higher than expected compared to general insurers. The agreed value feature does offset that though, especially for older motorhomes.
Reviews are paraphrased summaries of verified customer and member feedback. Theme percentages are based on our analysis of the most recent 200 Google reviews and NZMCA member survey responses as of March 2026.
What you can (and can't) insure with Covi
Comprehensive cover for motorhomes of all sizes, with agreed value for the first five years, no glass excess for vehicles insured under $400,000, and automatic fixtures and fittings cover included.
Cover for caravans and trailers including fixtures, fittings, and personal effects. Agreed value and no glass excess apply to caravan policies as well.
Specialist cover for self-contained and non-self-contained campervans, including conversions. Features the same agreed value and fixtures cover as motorhome policies.
Tailored cover for vehicles with significant aftermarket modifications, including custom builds and specialist conversions that general insurers may not cover.
A mid-tier option for motorhome and caravan owners who want protection against fire, theft, and illegal conversion without the cost of full comprehensive cover.
The good and the not-so-good based on customer reviews and our analysis
How much does Covi motorhome insurance actually cost? Indicative examples based on customer reports
Covi doesn't publish fixed pricing online. Like all insurers, premiums are calculated based on your individual risk profile, vehicle type, and value. However, based on customer reports, NZMCA member feedback, and our market analysis, here are indicative monthly premiums for common profiles:
Disclaimer: These are indicative estimates based on publicly reported customer experiences and market comparisons, not official Covi quotes. Your actual premium will vary based on your specific vehicle, value, location, and claims history. Contact Covi on 0800 805 965 or request a quote at covi.co.nz for an accurate quote. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Motorhomes, campervans, and caravans are priced differently. Higher-value vehicles and custom builds attract higher premiums due to replacement cost.
Where you live and how your vehicle is stored matters. Garaged vehicles in lower-risk areas typically attract lower premiums than those stored on the street.
A clean claims record over 3-5 years significantly reduces your premium. Recent at-fault claims or theft history will increase it.
Custom builds and aftermarket modifications can increase the insured value and premium. Covi's specialist assessors account for this when setting agreed values.
Older, more experienced drivers with strong driving records typically receive more competitive premiums. Covi's customer base skews towards experienced owners.
Choosing a higher voluntary excess can reduce your monthly premium. Discuss excess options with the Covi team when getting your quote.
Covi vs. other NZ insurers for motorhome and caravan cover
| Feature | Covi | Star Insure | Tower | AA Insurance | AMI |
|---|---|---|---|---|---|
| Overall Rating | 4.1/5 320+ reviews | 4.5/5 | 4.0/5 | 4.3/5 | 3.9/5 |
| Motorhome Specialist | Yes | Yes | General | General | General |
| Agreed Value | 5 years | Available | Market value | Market value | Market value |
| Glass Excess | None under $400k | Standard excess | Standard excess | Included | Standard excess |
| Fixtures/Fittings | Auto included | Available | Listed items | Listed items | Listed items |
| Roadside Assist | Wings included | Add-on | Add-on | Included | Add-on |
| Online Quotes | Request form | Instant | Instant | Instant | Instant |
| Underwriter | NZI (IAG) | Lloyd's of London | Tower (own) | IAG (Vero) | IAG |
| Price Range | $$$ | $$$ | $$$ | $$$ | $$$ |
Disclaimer: Ratings are aggregated from Google, NZMCA member feedback, and editorial sources where available. Feature comparisons are based on publicly available product information and may change. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Other NZ insurers worth considering for motorhome and caravan cover
Another specialist in motorhome and recreational vehicle insurance. Offers instant online quotes, agreed value, and covers a wide range of leisure vehicles including boats. Popular with motorhome owners who want a digital-first experience.
NZ-owned general insurer that covers motorhomes and caravans alongside cars, homes, and contents. A good option for those wanting to bundle multiple policies with one provider. Online quotes available.
New Zealand's largest general insurer. Covers motorhomes and caravans with the backing of a nationwide branch network and AA Membership benefits. May suit those wanting face-to-face service and roadside assist through AA.
Part of the IAG group, AMI offers motorhome and caravan cover as part of a full personal insurance range. Strong regional presence with branch offices. Good for bundling home, contents, and vehicle policies.
Covi may suit some owners well, but not everyone
If you're an NZMCA member, Covi's 15+ year partnership with the association means member-exclusive pricing and a team that understands the motorhome lifestyle.
If your motorhome or campervan has significant modifications, Covi's specialist assessors and agreed value cover are well suited for custom builds.
Agreed value for five years and no glass excess under $400,000 insured value make Covi particularly appealing for owners of higher-value motorhomes.
Those wanting instant online quotes, car or home insurance, a fully digital self-service experience, or those who are not NZMCA members looking for the lowest possible price.
Compare.org.nz's editorial assessment of Covi Insurance
Covi Insurance has built a strong reputation within the NZMCA community over 15+ years. Their specialist focus means they understand the unique needs of motorhome, caravan, and campervan owners in a way that general insurers typically do not. Key features like agreed value for five years, no glass excess under $400,000, and automatic fixtures and fittings cover set Covi apart in this niche.
The tradeoffs are worth noting: Covi's online experience lags behind digital-first competitors, you'll likely need to phone or email to finalise your policy, and premiums can be higher than general insurer equivalents. However, for owners of high-value or modified recreational vehicles, the specialist cover and agreed value features may offset the price difference.
With NZI (IAG) as the underwriter, policyholders have the backing of one of New Zealand's largest and most financially secure insurance groups. For NZMCA members who want specialist cover from a team that knows the motorhome market, Covi remains a solid choice.
Common questions about Covi Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in March 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with Covi Insurance 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.
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