The more you use Covertime, the more rewarding it becomes.
As you earn Covertime Points, you'll unlock higher Status Tiers. Each tier increases the rate at which you earn points on future policies, helping you build up rewards even faster.
Think of it as a little thank you for being a loyal Covertime customer. 🚗
EXPLORER
Once you reach 60 Lifetime points, you're officially an explorer!
You'll earn:
12.5% of your admin fee back in Covertime Points - That means you'll earn points faster than standard members every time you buy an eligible policy 😍
NAVIGATOR
At 100 Lifetime points, you're a temporary insurance pro!
You'll earn
15% of your admin fee back in Covertime Points - more points earned means more savings on future cover 😎
PIONEER
200+ lifetime points - Welcome to the top tier!
You'll earn:
20% of your admin fee back in Covertime Points - our highest earning rate, helping you unlock rewards even faster every time you buy eligible cover 😏
Where can I see my Status Tier?
You can view your:
Current Status Tier
Redeemable Points Balance
Lifetime Points Total
Points History
At any time in the Covertime Club section of the Covertime app.
Where can I see my Status Tier? 👀
Where can I see my Status Tier? 👀
You can view your:
Current Status Tier
Redeemable Points Balance
Lifetime Points Total
Points History
At any time in the Covertime Club section of the Covertime app.
How do I move up a tier? ⬆️
How do I move up a tier? ⬆️
Status upgrades happen automatically.
As soon as you reach the required Lifetime Points threshold, your account will move to the next tier and you'll start earning points at the new rate on future eligible purchases.
No forms. No buttons. No waiting around.
Can I lose my Status Tier? 😳
Can I lose my Status Tier? 😳
No - your Status Tier is based on Lifetime Points earned, not your current points balance. Spending your points won't affect your tier, so feel free to use your rewards whenever you'd like.
What are Lifetime Points? 💙
What are Lifetime Points? 💙
Lifetime Points are the total number of points you've ever earned through Covertime Club. Unlike your redeemable points balance, Lifetime Points never decrease when you spend points.
For example:
Earn 120 points = 120 Lifetime Points
Spend 50 points = still 120 Lifetime Points
Your Status Tier stays exactly the same
This means once you've earned your way into a tier, spending your points won't knock you back down.