Provident Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Provident car insurance.

You might already know that Provident offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Provident the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Provident car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Provident

Our ratingOur opinion
Customer service & satisfaction

4.5/5 based on 1,439 opinions on TrustPilot
Policy informations are readily available
An online claims service and a 24-hour claims line is provided
Good customer care services

Cover provided

90 days cover in Europe
£1000 keycare cover is provided with the comprehensive cover
The comprehensive cover is the only coverage option offered

Value for money

Lifetime repair guarantee is offered when a Provident approved repairer is used
Cancellation fees during the cooling off period is £25

Financial strength for pay out

Strong financial capability

Technology

The website is user friendly
Online app available to access account
Life chat option is provided
No implementation of technological advancements like Black Box or mobile app

Safe rating for Provident

Expert and customer reviews on Provident

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Provident's reputation.

Review organisationConsumer satisfaction rates for Provident
Defaqto expert rating for Provident defaqto 5 stars
TrustPilot4,5/5 based on 1,439 opinions
Consumer satisfaction rates on reviews for Provident

To check if Provident is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.

Compare

Our review on Provident car insurance policy

Provident has over 50 years’ experience in the car insurance industry. Provident Insurance is a trading name of Covéa Insurance, which is a member of one of Europe’s leading mutual insurance groups. Only one level of insurance policy is offered and this is the Comprehensive cover. Optional extras like the breakdown cover, replacement car cover, and Motor Legal Protection cover can be added on to a policy. Provident does not provide car insurance for drivers over the age of 85. Provident car insurance has also been awarded the ICS Service Mark for its claims service. This award recognises achievement in providing good customer service.

What does Provident car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Provident?

Car insurance policyAvailable at ProvidentCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Provident

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Provident explained in details

Let's find out what does Provident covers in its car insurance policy.

Breakdown cover at Provident

Four types of breakdown covers are provided by Provident and they are:

  • Roadside assistance: this offers roadside car assistance, provision of alternative transportation for the driver and 7 other passengers.
  • Recovery: this offers recovery services in the case of a breakdown and alternate means of transportation.
  • At Home: this offers repair in the case that the car has broken down within a ¼ of a mile of the driver’s home. Temporary car is also provided.
  • European Motoring Assistance: this offers breakdown cover in european countries.

Keycare cover at Provident

Provident offers the following with its Keycare cover:

  • cover for the replacement of door and boot locks in the case that the key has been misplaced
  • £1,000 for replacement locks
  • Provident would not offer keycare cover in the case that the keys were left in the car when it was stolen.

Windscreen cover at Provident

For the windscreen cover, Provident covers the following:

  • Cost of repair or replacement for a damaged windscreen or window
  • Cost of repair in the case that the broken glass scratched the body of the car.
    This is provided that the repair is carried out by an approved repairer. In the case that it is not, Provident will pay a maximum of £150 after removing the excess to cover the cost of repair.

Motor legal protection at Provident

The Motor Legal Protection that Provident offers comes with a number of condition and some of them are:

  • That there must be a more than 50% chance that the driver would recover the costs of damage from the third party.
  • That there must be a 50% chance that the claim would be successful.
    The Motor Legal Protection covers the following:
  • £100,000 in the event of a claim for an accident that wasn’t the fault of the driver
  • £25,000 is also provided to cover legal costs.

Personal policy injury available at Provident

Provident offers the driver and his/her spouse or partner the following with their Personal accident cover:

  • £5,000 in the case of death
  • cover in the case of total and permanent loss of sight in one or both eyes
  • cover in the case of total and permanent loss of limbs.

Coverage abroad at Provident

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Monaco, Gibraltar, San Marino, Switzerland and Andorra

Courtesy car at Provident

Provident provides a courtesy car in the case that the driver’s car is undergoing repairs. A small hatchback is provided for 21 days. There is also an option for a replacement car in the case that the car has either been stolen or damaged beyond repairs.

No-Claim Bonus (NCB) at Provident

The longer you go without making a claim, the larger the discount accrued.

The no claims bonus would not be affected if the damage to the driver’s car was caused by an uninsured driver.

At Provident, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 5 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Provident car insurance terms and conditions

How much does Provident car insurance cost?

You'll find below indicative car insurance quotes at Provident:

Drivers'ageMonthly premium
18 years old£106,98
40 years old £44,12
60 years old£32,53
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Provident insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Provident?

Cashback and discount vouchers are provided for customers who have taken out an insurance policy.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Provident car insurance policy summarized

Guarantees

At Provident
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,000
Personal belongings£250
Audio equipment

No

Medical expenses

£100

Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

21 days

Coverage abroad

90 days

Guarantees at Provident

Excess

At Provident
Fire excesscost of damage is covered
Theft excesscost of damage is cost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excess£100
Young driver excess

no

Excess at Provident

Admin fees

At Provident
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : £25
Cancellation fees outside cooling off period : £55

Modification fees

Adjustment fee: £25

Admin fees at Provident

Other car insurance policies available at Provident

How to contact Provident auto insurance?

Provident phone numbers 

You will find all important phone numbers to contact Provident car insurance:

Contact numberOpening hours

Provident insurance contact number (Customer Service)

03300 240 123

Monday – Thursday: 8:30am to 8:00pm
Friday: 8:30am to 6:00pm
Saturday: 9:00am to 4:00pm

Abroad coverage

03300 240 123

Monday – Thursday: 8:30am to 8:00pm
Friday: 8:30am to 6:00pm
Saturday: 9:00am to 4:00pm

Complaints

03300 240 640

Monday – Thursday: 8:30am to 8:00pm
Friday: 8:30am to 6:00pm
Saturday: 9:00am to 4:00pm

Renewal

03300 240 123

Monday – Thursday: 8:30am to 8:00pm
Friday: 8:30am to 6:00pm
Saturday: 9:00am to 4:00pm

Windscreen claims

03300 240 244

Monday – Thursday: 8:30am to 8:00pm
Friday: 8:30am to 6:00pm
Saturday: 9:00am to 4:00pm

Claims

03300 240 242

Monday – Friday: 8:30am–5:00pm

Contact numbers at Provident

Provident other contact details

You'll find below Provident main contact details:

Contact details of Provident
Email address

he[email protected]

Customer account with Provident login

My Account

Social mediaFacebook, Twitter
ChatbotYes
Contact details at Provident

You can also contact them by mail by writing to Provident car insurance:

Provident Insurance
PO Box 847
Dean Clough
Halifax
HX1 9RE

How to cancel your car insurance at Provident?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Provident as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Provident has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Provident could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.