Provident Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
4.5/5 based on 1,439 opinions on TrustPilot | |
| Cover provided |
90 days cover in Europe | |
| Value for money |
Lifetime repair guarantee is offered when a Provident approved repairer is used | |
| Financial strength for pay out | Strong financial capability | |
| Technology |
The website is user friendly |
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 organisation | Consumer satisfaction rates for Provident |
|---|---|
| Defaqto expert rating for Provident |  |
| TrustPilot | 4,5/5 based on 1,439 opinions |
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.
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 policy | Available at Provident | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
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.
Good to know
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'age | Monthly premium |
|---|---|
| 18 years old | £106,98 |
| 40 years old | £44,12 |
| 60 years old | £32,53 |
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.
Good to know
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 benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| 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 |
Excess
| At Provident | |
|---|---|
| Fire excess | cost of damage is covered |
| Theft excess | cost of damage is cost of damage is covered |
| Accidental damage excess | cost of damage is covered |
| Windscreen replacement excess | £100 |
| Young driver excess | no |
Admin fees
| At Provident | |
|---|---|
| Interest charged by payment installments | Variable |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period : £25 |
| Modification fees | Adjustment fee: £25 |
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 number | Opening hours | |
|---|---|---|
Provident insurance contact number (Customer Service) | 03300 240 123 | Monday – Thursday: 8:30am to 8:00pm |
Abroad coverage | 03300 240 123 | Monday – Thursday: 8:30am to 8:00pm |
Complaints | 03300 240 640 | Monday – Thursday: 8:30am to 8:00pm |
Renewal | 03300 240 123 | Monday – Thursday: 8:30am to 8:00pm |
Windscreen claims | 03300 240 244 | Monday – Thursday: 8:30am to 8:00pm |
Claims | 03300 240 242 | Monday – Friday: 8:30am–5:00pm |
Provident other contact details
You'll find below Provident main contact details:
| Contact details of Provident | |
|---|---|
| Email address | |
| Customer account with Provident login | |
| Social media | Facebook, Twitter |
| Chatbot | Yes |
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.
Watch out!
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’.
