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Certificate Of Verification (COV)

An electrical Certificate of Verification (COV) for electrical installation can often be requested by insurance companies during the sale & purchase of property. In particular, older properties are more likely to receive a request for a COV from an insurance company or mortgage provider. Insurance compliance is normally a vital requirement for banks to sign-off on mortgage settlement.

The purpose of the electrical Certificate of Verification (COV} is to verify the condition and safety of the electrical installation within the properties electrical installation/s. 

Situations in which COV are commonly requested:

Electrical COVs help to identify potential electrical hazards, condition and age of installation, and provide peace of mind to individuals and a level of risk reduction to insurance companies & banks. Frequent situations when electrical COVs are requested include:


  • A Pre-Purchase requirement for mortgage settlement (insurance company request).
  • A Pre-Purchase reassurance measure or due diligence and condition of sale.
  • A Post-Purchase reassurance measure to give you peace of mind.


  • As an identification measure when you receive repeated ad-hoc and often intermittent electrical issues throughout the property.
  • When the Electricity Supply has been disconnected for 6 months or more.
  • Help to establish, accurate forecasting of ongoing Pre Planned and Reactive Maintenance costs.


  • As a evidence when selling your own or investment property that the electrical installation is compliant.
  • An electrical COV can also be a good selling tool, giving any potential purchasers peace of mind that the property is electrically safe.

Types of verification:

The time it takes to complete an on-site electrical COV inspection can vary. Typically two hours on-site for an average sized home upto 2 weeks for an apartment complex or large industrial/commercial complexes. Verification is classified as either: (a) Basic visual inspection; (b) Visual inspection and limited testing; or (c) Visual inspection and full testing. CMA Electrical Whangarei offer all 3 options.

The verification process includes:

The visual inspection applies to the readily accessible/visible wiring and electrical items. A Registered Electrical Inspector will run through a checklist and grade a series of listed items that typically include:

Main earth


Hot Water System


Light switches

Light fittings

Metal fittings


Socket outlets

SPD Verification


RCD Testing


Condition of Cable

Pipe Insulation





Mains cable


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