Over the years Covi NZMCA Insurance has developed our product to cater for the specific requirements that comes with owning a motor home or caravan. Leave your worries behind, with Covi NZMCA you're covered!

Here’s just some of the insurance cover benefits of Covi NZMCA Insurance:

Free use of the Covi Connect App Read More

Covi Connect is a free mobile phone app for Covi clients giving your insurance details in the palm of your hand.

24hr Nationwide Crash Scene Assistance Read More

Via Lumley, our Underwriter, there is a 24 hour assistance service available.

Agreed value on purchase price or valuation valid for five years Read More

We can insure your motor caravan on an agreed value based on the purchase price of the vehicle or a written valuation.

What is agreed value? Agreed value is the amount  we agree as the sum insured for your vehicle and what will be paid to you in the event of a total loss claim. This amount is always shown in the insurance policy schedule.

The other basis of settlement is “indemnity” or “market” value, this is an items current value allowing for it’s age and condition immediately before the loss or damage happened.

Excess Read More

A standard $500 excess applies. On most vehicles there is no excess on glass.

Open drivers policy (who can drive your motor caravan?) Read More

Anybody over the age of 25 years can drive your vehicle however they need to:

  • Have your permission to be driving.
  • Hold a valid and appropriate drivers licence for the applicable class of  vehicle.

Please note that any relevant driving history i.e. traffic convictions, speeding fines etc. would need to be disclosed to us .If you are in doubt about what information needs to be disclosed please check with us.

Hazardous substances emergency costs are covered Read More

We will cover the insured for any charge that the NZ Fire Service is authorised to make in respect of a Hazardous Substances Emergency in connection with the insured vehicle during the period of insurance regardless of whether the insured vehicle has sustained loss.

If your motor caravan is your permanent form of residence Read More

Covi NZMCA Insurance offers temporary accommodation costs of up $700 a week for up to seven weeks.

Covi NZMCA Insurance also has a contents policy to cover your personal effects when your motor caravan is your permanent place of residence.

Accident clean-up costs are covered Read More

The policy covers reasonable costs incurred in salvaging any load carried by the insured vehicle following a loss up to a maximum of $5,000 for any one accident.

Builders risk to cover re-building and refurbishing Read More

We will cover your motor caravan and materials whilst under going refurbishment up to the sum insured nominated and on your insurance schedule.

Towing and salvage costs/ towing to repairer Read More

Following a loss  we will pay for the reasonable costs incurred in the salvage, recovery or disposal of the insured vehicle.

In the event of mechanical breakdown of the insured vehicle we will pay up to $500 (subject to prior consent) per breakdown to deliver the vehicle to the nearest suitable repairer up to a maximum of $750 per insurance period.

Returning home cover Read More

In the event of a claim for  loss or damage to the insured vehicle we will pay the reasonable costs incurred  for transportation and travel expenses of the insured and/or their family permanently residing with them to their normal place of residence within N.Z up to $1,500 during any one insurance period.

Weight damage is covered Read More

You are covered for damage that your vehicle causes to someone else’s property (including a road) caused by the weight of the vehicle (see the policy wording for the applicable excess and full cover details).

Death by accident and funeral expenses cover Read More

If the insured dies as a result of an accident covered by this policy we will pay $5,000 to the insured's estate regardless of any other insurance provided the death occurs within 90 days of the date of the accident.

Automatic cover for permanent fixtures and fittings Read More


  • Furnishings
  • Awnings
  • Generators (up to 3.75KW)
  • TVs
  • Radios
  • CBs,
  • Radar detectors
  • GPS
  • Fire extinguishers

Hidden gradual damage cover up to $2,000 Read More

This covers hidden gradual damage caused by water which accidentally leaks or overflows from any:

  • Window
  • Door
  • Toilet system
  • Shower system
  • Internal water pipe
  • Internal waste disposal pipe
  • Internal water tank or internal waste tank permanently installed in your vehicle.

This is an exclusive Covi NZMCA Insurance policy feature designed especially for motor caravans.

Free trailer cover up to $1,500 Read More

The policy provides up to $1,500 for loss or damage to a trailer not otherwise insured.

Modified vehicles are covered as long as they meet legal requirements Read More

The insured vehicle may be modified from the manufacturers specifications in the conversion to a Motor Caravan in such a way as to comply with all the relevant Regulations issued by the Land Transport Authority.

Cover up to $10,000 for other contents Read More

Items such as bedding, linen, cooking utensils, outdoor furniture and the like that are normally used in connection with a Motor Caravan and are not otherwise insured (a limit of $2,000 per item applies).

** Conditions do apply, please refer to the Policy wording for full details or contact us.

Client Feedback

Peter and Elizabeth Godfrey
Peter and Elizabeth's bus was damaged by a fallen tree. "The Covi NZMCA Insurance representative was helpful above and beyond what we expected. We were confident that we were being looked after."
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