HOW IT WORKS

A simple broker experience.

Answer a few questions, compare multiple insurers, buy online, and claim on WhatsApp with a dedicated handler.

How it works

From quote to claim — the Cova way.

Four simple steps. No paperwork mountains, no office visits, no fighting with insurers on your own.

Step 1

Tell us what you need

Share your details and risk profile so Cova can compare the best policies.

Step 2

Compare top insurers

We review multiple quotes and recommend the strongest cover.

Step 3

Buy in minutes

Choose payment terms and get your policy issued instantly online.

Step 4

Claim on WhatsApp

Send a message to your handler, and we manage the claim end to end.

When you need to claim

The moment that matters most is when something goes wrong. Here's exactly what happens — no fine print, no runaround.

Step 1

Message your handler on WhatsApp

Send a text, photo, or voice note describing what happened. Your named handler responds personally — no call centres, no ticket numbers.

Step 2

We file the claim for you

Your handler prepares and submits the claim to the insurer on your behalf. We handle the paperwork, the forms, and the back-and-forth.

Step 3

72-hour SLA

We acknowledge every claim within 72 hours. If we don't, your next month's premium is on us — we hold ourselves to it.

Step 4

Settlement, not excuses

Approved claims are paid directly to hospitals, garages, or your account. We push the insurer until it's settled — that's our job.