KiwiCover Insurance Limited


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Address: PO Box 100 Wellington Central , Wellington, Wellington 6140

No telemarketers, please

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About KiwiCover Insurance Limited

KiwiCover specialises in life, health, income protection, trauma and permanent disability insurance. It has developed an innovative range of online tools and information designed to help New Zealanders identify their insurance needs, to understand the complexity of products on offer and to apply for cover. KiwiCover provides a self-help, no-hassle facility for New Zealanders to access affordable, high-quality insurance.

For Kiwis’ peace of mind and financial security, policies arranged through KiwiCover are underwritten and issued by Sovereign Assurance Company Limited, New Zealand’s largest life insurance company. Sovereign has the highest financial strength rating of any life insurance company in New Zealand. It is part of the Commonwealth Bank of Australia Group, and is a related company of ASB Bank Limited and its subsidiaries.


Products & services

Continuation Options


If you are insured under an employer insurance plan with Sovereign, you can continue your cover when you leave service by applying online at KiwiCover.

Best Doctors


Get 5 years paid membership of the worldwide Best Doctors program when you take out any KiwiCover policy.

HeartScore™ Calculator


Calculate your cardiovascular health using the KiwiCover HeartScore™ calculator, and find out your percentage risk of experiencing a cardiovascular event within the next 5 years.

BMI Calculator


The advanced KiwiCover BMI calculator not only calculates your exact BMI, but it calculates how much weight you need to gain or lose in order to place yourself just inside the healthy weight range.

Permanent Disability Insurance


If you are unable to ever work again in your own occupation, permanent disability insurance steps in with a tax-free, lump sum payment.

Family Protection Insurance


Family protection insurance guarantees a regular, tax-free monthly income to your family in the event of your death.

Income Protection Insurance


Protect your income if you are unable to work through illness or injury.

Trauma Insurance


When a critical illness strikes, trauma insurance steps in with a lump sum, tax-free payment.

Health Insurance


KiwiCover health insurance is a full-featured, low cost policy which is tailored to New Zealand conditions.

Life Insurance


KiwiCover life insurance is affordable, high-quality life cover which is backed by a financial strength rating which is second to none.

News & updates

KiwiCover says loss of family home pales against loss of earnings


KiwiCover Insurance says that the financial loss caused by the destruction of a family home typically pales in comparison with the financial effects of the permanent loss of earnings of the home owne…

KiwiCover first NZ company to fully migrate IT platform to Microsoft Azure Australian data centres


KiwiCover Insurance has become the first company in New Zealand to fully migrate its information technology platform to the new Microsoft Azure data centres in Australia.

KiwiCover launches advanced life insurance calculator


KiwiCover Insurance has developed and launched an advanced life insurance calculator which takes the guesswork out of calculating the right level of protection for Kiwis and their families.

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