My renewal details

Provident Insurance

How would you like to pay?

Monthly Instalments
£

Deposit amount of £
11 monthly instalments of £
12 monthly instalments of £
Total amount payable £
Representative APR %*

1 Single Payment
£

Please follow the steps below to complete your quote:

Prices shown are inclusive of Insurance Premium Tax at the prevailing rate.

Please follow the steps below to complete your quote:

  1. 1 Customise your cover

    Select your voluntary excess cover level

    Use the dropdown box to select your voluntary excess. The excess you’ll be asked to pay in the event of a claim is the total of your voluntary excess (set by you), your compulsory excess (set by us) and any young or inexperienced driver excess that applies.

    Your voluntary and compulsory excess*
    £

    *An additional excess will apply if you or any drivers named on this policy are up to 24 years old or passed their driving test in the last 12 months. Click More Information below for further details. 

    No Claims bonus protection

    We're sorry...

    Unfortunately we're unable to offer protected no claims bonus on your policy. If you have any further questions, please don't hesitate to contact us using the methods provided on our help page. 

    No Claims Bonus Protection

    You are considering whether to purchase no claims bonus (NCB) protection. This would increase your premium by £{{NcbAmount}}. You have declared a current NCB of {{NcbYears}} years. The tables below show: (i) what would happen to your NCB years if you were to make one or more claims in the next 12 months with and without this protection: and (ii) the average no claims discount awarded to our motor insurance policyholders last year according to their number of NCB years. 

    To view these tables, please click the 'More Information' link below. 

    £ per month

  2. 2 Add additional products

    Breakdown Cover

    Cars break down, and there’s never a good time for it to happen. With our Breakdown Cover, provided in partnership with the RAC, you can ensure that a breakdown doesn’t have to mean the end of your journey – and with our four levels of cover to choose from, you can choose the right cover to suit your needs.

    Roadside

    Add for £
    per month

    Total annual price: £

    Roadside & Recovery

    Add for £
    per month

    Total annual price: £

    Roadside, Recovery & At Home

    Add for £
    per month

    Total annual price: £

    Roadside, Recovery, At Home and European Motoring Assistance

    Add for £
    per month

    Total annual price: £

    Replacement Car Cover

    Would you be able to carry on with your everyday life if your car was written-off, or stolen and not recovered? This cover provides you with a small hatchback car for up to 21 days, so your life doesn't have to come to a halt. Our replacement car cover is a separate product and provides additional cover, keeping you mobile if your car is stolen and not recovered, or is written-off.
    Total annual price £23.00.

    £per month

    Motor Legal Protection Cover

    If you’ve been in an accident that wasn’t your fault, you shouldn’t be left out of pocket due to legal expenses and other costs.  Our Motor Legal Protection Cover gives you up to £100,000 towards legal costs and expenses to help you and your passengers recover uninsured losses such as loss of earnings. 

    Total annual price: £

    £per month

  3. 3 Your preferences

    Your policy documents

    After you've renewed your policy you can access all of your documents online in the My Account area.

    If you'd also like to receive your policy documents free of charge through the post, please call us on 0800 4220128 and we'll arrange it for you.

    Would you like your documents delivered to your door?

    Or, if you prefer, you can access these from the ‘My Account’ area for free!

    Total annual price £15.00

    £per month

    Important Information - Automatic renewal next year

    Automatic Renewal

    Tick the box below to sign up for automatic renewal, giving you the benefit of continuous cover. We’ll send you a renewal invitation before we take any payments and you can opt out any time by contacting us.

Registration Number required

To purchase a policy with us we require a vehicle registration.

Please follow the link to input your registration number and review your vehicle details.

Important Information

In order to process your insurance policy, we may need proof of your no claims bonus (NCB) within 28 days of purchasing the policy.

It’s important that you read and familiarise yourself with our policy documents before buying the policy.

*Representative example: 
If you borrow £1200 at a Representative APR of 29.9% and an fixed interest rate of 13.6%, the total charge for credit is £163.20. Total amount payable £1363.20.

In order to process your insurance policy, we may need proof of your no claims bonus (NCB) within 28 days of purchasing the policy.

It’s important that you read and familiarise yourself with our policy documents before buying the policy.

*Representative example: 
If you borrow £1200 at a Representative APR of 29.9% and an fixed interest rate of 13.6%, the total charge for credit is £163.20. Total amount payable £1363.20.

Your demands and needs

Our understanding of your demands and needs is based on the information you've provided, and this policy will meet your requirements for car insurance as set out below.

Cover type Comprehensive
No claims bonus (years) years
No claims bonus protection
Additional products
Class of use
Voluntary excess £
Named drivers

We don't offer advice or personal recommendations for the sale or suitability of any of the products we provide or arrange - we just provide you with the information needed to make an informed choice on whether the product(s) available suit your needs.

About Our Insurance Services

Information regarding the insurance services we provide is subject to change.

Please tick here to confirm you have read and understood the information provided ‘About Our Insurance Services’.

Click to view full information Click to view full information

Your renewal details

Please make sure you review your renewal details before purchasing your policy.

Please tick here to confirm you have read and agree to your renewal details.

Click to view your renewal details

Before we take your payment details please read and check the details below

Please confirm at the bottom of the page that you agree to the pre-contract credit information.

Changed your mind? If you’d prefer to pay for your car insurance policy with a single payment, the “Back” button at the bottom of this page will take you back to the page where you can select this option.

A Dedicated Team

Things you need to know and consider before entering into a Credit Agreement:

You should make sure you understand what is involved before entering into the Credit Agreement. Ask yourself the following questions:

Is the credit suitable for what I want to use it for?

The Running-Account Credit Agreement is specifically designed for repayments of insurance premiums and is not suitable for any other use.

It allows you to spread the payment of your insurance premium and related products over a period of time, allowing you to manage your cash flow over the term of your insurance policy.

What will it cost me?

The principal costs of the credit are set out in the Pre-Contract Credit Information document (also known as Standard European Consumer Credit Information ‘SECCI’), including details of the repayments, any fees or charges, the total amount you will have to pay and the interest rate. The Pre-Contract Credit Information document also shows you the APR, which may assist you in comparing the overall cost of credit. You should consider whether you can afford the monthly repayments, even if your circumstances change.

What special features might this agreement have that I need to be aware of?

You have the right to repay all or some of the credit early. However, if you wish to do this, you will be charged interest as laid out in the terms and conditions of the agreement.

The insurance policy forms the security for this Credit Agreement and your insurance policy may be cancelled if you fail to meet your repayment obligations.

You have to make your monthly repayments by direct debit. If your direct debit instruction is cancelled and not replaced, we may terminate the Credit Agreement.

The agreement automatically continues if we invite you to renew your insurance policy and repay by direct debit. We reserve the right to refuse to allow you to finance further premiums by using credit provided by, us at any time, for reasons relating to your creditworthiness.

What if I am unable to pay my monthly repayment on time?

Missing payments could have serious consequences. We will report missed payments to credit reference agencies, which may make it more difficult and expensive for you to obtain credit from us and other lenders.

If you fail to make a monthly payment when it is due, for example if you cancel your direct debit instruction, then we may terminate the Credit Agreement. If you do not pay any outstanding balance within the required number of days, then we may also cancel your insurance policy and related products which would leave you without the protection of insurance cover.

Can I change my mind?

You have the right to withdraw from the Credit Agreement before the end of 14 days beginning on the later of: the day after the day on which the agreement is made or you receive a copy of the agreement. To withdraw you must notify us that you intend to do so by telephoning us on 03300 240 123, writing to us at Provident Insurance, PO Box 847, Dean Clough, Halifax, HX1 9RE or emailing us at help@providentinsurance.co.uk.

What if I have more questions?

If you have any further questions relating to the agreement or the proposed credit, please contact us by telephoning us on 03300 240 123, writing to us at Provident Insurance, PO Box 847, Dean Clough, Halifax, HX1 9RE or emailing us at help@providentinsurance.co.uk.

Pre-Contract Credit Information
(Standard European Consumer Credit Information)

  1. Contact details
    Lender
    Covea Insurance plc trading as Provident Insurance
    Address
    Provident Insurance, PO Box 847, Dean Clough, Halifax, HX1 9RE
    Telephone
    03300 240 123
    Email address
    help@providentinsurance.co.uk
  2. Key features of the credit product
    Type of credit
    Running-Account Credit Agreement to pay, from time to time, for the finance of insurance premiums
    The total amount of credit. This means the total amount of credit to be provided under the proposed Credit Agreement or the credit limit
    At the date of the initial agreement there will be no credit limit.
    How and when credit would be provided
    We will provide you with credit to finance the payment of any insurance transactions and related products, arranged from time to time, at your request, with Provident Insurance. You will not be able to draw down any cash sums.
    The duration of the Credit Agreement
    The agreement has no fixed no minimum duration.
    Repayments
    When you ask us to finance any transactions under this agreement we will tell you the monthly minimum payments you will be required to make. These will be calculated by applying the total sum borrowed plus interest due under each relevant transaction and dividing by the remaining term of the relevant insurance policy. If there is more than one transaction under this agreement, we will add together the total payments to produce a monthly minimum amount.
    In respect of your first transaction there will be an advance payment of £, followed by 11 equal monthly instalments of £.
    The total amount you will have to pay. This means the amount you have borrowed plus interest
    In respect of your first transaction the amount payable is £. This is the amount you will pay if you do not add any further transactions to this agreement.

    Because this agreement allows you to borrow on future occasions, we have to use an example APR calculation based on standard assumptions. We assume that you will have a credit limit of, and borrow £1200. You will repay that sum, together with interest, by 11 equal instalments at monthly intervals, starting 1 month after your initial transaction, and the rate of interest will not change. Based on this example, if you borrow £1,200 the total amount repayable would be £1,363. The actual amount you will pay is dependent on how much you borrow and how long you borrow it for.
    The proposed credit will be granted in the form of a deferred payment for goods or services. Description of services
    For the purposes of payment for insurance policies and related products taken out with Provident Insurance.
    Cash price
    £
    Security required
    We may deduct any amount due under this agreement from the value of any claim or other payment due under any insurance policy financed by it.
  3. Costs of the credit
    The rates of interest which apply to the Credit Agreement
    % will be added to the total amount of credit. This equates to an annual interest charge of 14.8%
    This rate will apply throughout the duration of the Credit Agreement, unless we vary the rate of interest, which we may do as specified in the Credit Agreement, by giving you at least 7 days' written notice of the new rate.
    Annual Percentage Rate of Charge (APR)
    This is the total cost expressed as an annual percentage of the total amount of credit
    The APR is there to help you compare different offers
    % (variable, representative)
    This is an example and has been calculated on the basis of the following assumptions:
    • You will have a credit limit of, and will borrow £1,200
    • You will repay that sum, plus interest, by 11 equal instalments, at monthly intervals
    • The interest rate will not change.

    Related costs

    Costs in the case of late payments
    No charges will be applied for late or missed payments but interest will continue to apply on overdue unpaid amounts at the applicable interest rate until we receive payment, before and after judgment.
    Consequences of missing payments
    Missing payments could have severe consequences. If you fail to make a payment or cancel a payment instruction in respect of any payments due under this agreement we may cancel the insurance policy and related products that the credit is being used to pay for. This would leave you without the protection of insurance cover. We may also take legal proceedings to recover what you owe which may mean you have to pay our costs and mean you have a court order against you. It could also make it harder for you to obtain credit in the future.
  4. Other important legal aspect
    Right of Withdrawal
    You have the right to withdraw from the Credit Agreement up to 14 days after the day on which the agreement is made or you receive a copy of the agreement, whichever is later. To withdraw you must notify us that you intend to do so by telephoning us on 03300 240 123, or writing to us at Provident Insurance, PO Box 847, Dean Clough, Halifax, HX1 9RE or emailing us at help@providentinsurance.co.uk.
    Early repayment
    You have the right to repay this agreement early, at any time, in full or in part, by giving notice to us at our postal or email address above or by telephoning us on 03300 240 123.
    Consultation with a Credit Reference Agency
    If we decide not to proceed with this Credit Agreement on the basis of information from a credit reference agency we will, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and of particulars of that agency.
  5. Additional information in case of distance marketing of financial services
    • a) Concerning the Lender
      Registration Number
      Firm Reference Number: 202277
      The Supervisory Authority
      The Financial Conduct Authority
    • b) Concerning the Credit Agreement
      The law applicable to the Credit Agreement and/or the competent court
      The agreement will be subject to the law applying in that part of the United Kingdom where you reside. If there is any dispute, the law of England and Wales will apply.
      Language to be used in connection with your agreement
      English
    • c) Concerning redress
      Access to out-of-court complaint and redress mechanism
      If you have a complaint please call us on 03300 240 640, email us at customer.relations@providentinsurance.co.uk or write to us at Customer Relations Team, Provident Insurance, PO Box 847, Dean Clough, Halifax, HX1 9RE.
      If we do not resolve your complaint, if you are not a business debtor, you have the right to complain to the Financial Ombudsman Service. If you are a business debtor you may have a right to complain to the Financial Ombudsman Service.

To buy your policy, please view and agree to the above Pre-Contract Credit Information