Provident Insurance

Policy FAQs

• Do you cover imported vehicles?
  
• Do you accept cherished / private registrations?
  
• What licences do you accept?
  
• What age of drivers do you accept?
  
• What European Cover is provided in your Private Car motor insurance?
  
• What European Cover is provided in your Commercial Vehicle motor insurance policy?
  
• How do I cancel my insurance policy?
  
• Can anyone else cancel my Provident Insurance policy?
  
• What do I need to do if my circumstances change?
  

Do you cover imported vehicles?

We are unable to cover any Japanese imports, and generally we will not be able to cover cars that have been imported from outside Europe. We do not cover left-hand drive cars..

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Do you accept cherished / private registrations?

Yes, we accept personal / private registrations.

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What licences do you accept?

We only accept Full or Provisional UK licences except for policies in the Republic of Ireland where EU licences are accepted.

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What age of drivers do you accept?

We accept drivers from the age of 17 - 75.

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What European Cover is provided in your Private Car motor insurance?

A Provident Insurance policy automatically provides the cover for up to 90 days if your cover is Comprehensive and up to 35 days if your cover is Third Party Fire and Theft, in any one period of insurance.

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What European Cover is provided in your Commercial Vehicle motor insurance policy?

A policy automatically provides the cover for up to 35 days in any one period of insurance.

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How do I cancel my insurance policy?

You need to return the certificate of insurance to your insurance broker within 14 days of receiving your policy booklet, we will refund the premium for the exact number of days left on the policy. We will also do this if you want to cancel the policy within 14 days after the renewal date.

You may cancel the policy at any other time by giving seven days notice and returning the certificate of insurance to your insurance broker. If a claim has been made during the period of insurance, we will not refund any part of the premium. If no claim has been made, Provident Insurance will refund the premium for the exact number of days left on the policy, less an administration charge of £35.

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Can anyone else cancel my Provident Insurance policy?

We, or your broker or other person acting for us, may cancel the policy by sending you seven days written notice to your last known address. You must then send the certificate of insurance back to us and we will refund the premium for the exact number of days left on the policy. To enable us to do this, you must first return the certificate of insurance.

If we cancel the policy, or your broker or other person acting for us cancels the policy, because you have not paid the premium due, we will refund the premium for the exact number of days left on the policy less an administration charge of £35. If someone has claimed in the current period of insurance, we will not refund any part of the premium.

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What do I need to do if my circumstances change?

You must tell us, as soon as possible, about any change in circumstances. Examples of these changes are:

• Any changes to your vehicle, including engine modifications and changes such as fitting alloy wheels, spoilers or skirts;
• Any problem to do with the health of any person who will drive your vehicle;
• A motoring accident, insurance claim, motoring conviction or fixed penalty offence involving any person who will drive your vehicle;
• Changes in the ownership or use of your vehicle or in the job of any person who will drive your vehicle;
• Changes to your address or address where your vehicle is usually kept;
• Changes in the number of vehicles owned or regularly driven by you or by members of your family who live with you.

If a person whose details you have not already given us is likely to drive your vehicle, you must give us their full details.

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