Our Policy is Changing
We've simplified our policy wording to make understanding our cover even easier.
Win $1000 in MTA Vouchers
To celebrate our updated policy wording, we are giving away $1,000* in MTA vouchers.
Existing clients are already in the draw for one prize of $500.
Not with Covi? Get a quote before the 31st January 2026 to be in to win another $500 prize.
*Terms and conditions apply - click here for more.
Protect Your Vehicle with the NZMCA’s own Insurance Scheme.
Existing policyholders: From 1 December 2025, all existing Covi clients will receive the benefit of whichever policy wording is more favourable at claim time. When your policy renews, you will automatically move to the new wording. Read our Difference in Conditions document to find out what it means for you.
New policyholders: From 1 December 2025, all new policies will be issued on our refreshed comprehensive policy wording.
New Policy Wording
View the complete updated Covi NZMCA Insurance RV Policy wording, including all terms, limits and conditions.
Difference in Conditions
Learn how your cover is affected as we move from the existing NZMCA Lumley wording to our new Covi policy wording, including how claims will be assessed.
Change Summary
See a summary that outlines the most important updates to your RV insurance policy wording, including new benefits, adjustments to existing cover and removed clauses.
What our customers say
Sharron King
I’m Sharron King, the president of the NZMCA, a member for over 35 years. Covi has been the Club’s insurance scheme for many years, and they are such experts in what they do. It is important for me to know that our members are getting what they need from our insurance scheme, and that we are putting our members in safe hands. Covi is more than just a partner, we trust them.
Heather and Bruce Manson
Our claim through Covi took no more than a couple of weeks. It was the easiest and most helpful claims' process we've been through. The relationship between the NZMCA and Covi NZMCA Insurance is of immense benefit to members, particularly enhanced by the friendly and professional way our claim was dealt with.
Barry Tyler
My recent claim with Covi, from a process and service perspective, turned out to be a very gratifying experience from start to finish. Courteous and most attentive to my needs, my claim was actioned speedily and very professionally. Couldn’t recommend Covi enough.
Tracey Priest
had lost our Covi renewal invoice, so I called this morning to pay via debit card and spoke with Marina. She made it so easy and was super friendly. Thanks again!
Marie Henderson
A great claims experience. Looking forward to getting out & enjoying our beautiful motorhome. Thanks to you all at Covi for your support & insurance cover. Really great how easy you made it for two devastated Vanners!
Agreed Value
Covi is the only specialist RV insurance provider to offer you genuine Agreed Value for five years based on your purchase price or a valuation.
RV-specific Contents
$10,000 of RV-specific contents insurance is automatically included. If your RV is your permanent place of residence, Covi can also offer additional contents insurance.
Fittings, Fixtures & Awnings
You receive automatic cover for permanent fixtures and fittings including but not limited to furnishings, TVs, generators, radios and awnings.
Glass
There is no excess on window glass claims for vehicles insured for less than $400,000. This includes your vehicle’s windscreens, windows, sunroofs, headlights, taillights, indicator lights, mirror glass or any glass alternatives such as Perspex.