Provident Car Insurance has been in the business of providing car cover for over forty years. It has been a part of the GMAC since 2007, which is the largest financial services company. It is a UK based company with its head office in Halifax in West Yorkshire.

Car Insurance

Thanks to its four decades of excellent service, the company provides very competitive car insurance for both private and commercial motor vehicles. The insurance company is unique in that it offers competitive insurances to female drivers, drivers of older cars, small cars up to 3.5 tonnes/4 liters and to the second car in a household.

Provident Car Insurance provides comprehensive car cover, third party cover, fire cover for your car and also theft cover for private and commercial vehicles.

Provident Car Insurance for Private Cars

Provident Car Insurance for the private car includes a basic cover along with an added benefit for the customer. The company returns one premium for each risk that is quoted, thereby providing the customer with the best cover. This car insurance offers customers four specific types of covers, each of which also offers standard cover for private cars.

• • Provident Headstart – This insurance cover is especially suited for young drivers who are between the age group of 17 and 24 years. The cover does not include driving of other cars.
  • Provident Manoeuvre – The product is especially designed for males in the age group of 25 and 49. This particular cover recognizes that a more experienced driver is at a lower risk of accident.
  • Provident First Lady – This offer is a special insurance cover targeting the female drivers in the age group of 25 to 49. They get additional benefits if their spouse or partner has their own separate vehicle for personal use.
  • Provident Infinity- Provides insurance cover to all those drivers who are above 50 years of age. The policy considers these drivers at a lower risk because of their long years of driving experience

Provident Car Insurance:Other than the above mentioned four specific insurance policies, there are a few more general policies available for private cars.

• • Provident Standard- The policy offers cover for different kinds of motor vehicles. This does not target drivers of any specific age group or their length of driving experience. The policy is designed to be competitive giving maximum cover benefits at a very affordable cost.
  • Lady Driva- As the name suggests, this policy has been especially created for lady drivers. It offers a lot of features to attract women drivers. It comes at a very competitive rate. The terms of the policy reflect the fact that women are generally less prone to accidents. The policy is aimed at all women drivers who fall in the age group of 21 and 80 years. There are a lot of discounts with this policy along with an additional year’s bonus if there is no claim or conviction for a continuous period of 5 years.
  • Thirty Plus- Provident Car Insurance company is of the belief that the more experienced the driver, the lower is the risk for accidents. The company has come up with the unique ‘thirty plus’ car insurance which covers drivers between 30 and 80 years of age. This policy too comes with additional features. The cover includes loss and damage to personal belongings and replacement of vehicle security system.
  • Second Car- The second car policy especially covers women drivers who have a spouse or partner who drive their own separate vehicle. The added benefit of this policy is the unique discounts that are on offer to the women drivers who may not have got a bonus on their own policy, but are listed as driver on their partner’s policy. The policy is valid for all domestic and social purposes, including daily up and down from work place.

Provident Car Insurance:Cover for Commercial Vehicles

The insurance cover provides a competitive rate for vehicles used for commercial purposes. Under this scheme, the permissible capacity of the vehicle can be insured up to 4 liters with the weight not exceeding 3.5 tones. The Provident Car Insurance for commercial vehicles is ideal for drivers with smaller vehicles as it comes at an affordable price. The advantage with this policy is that it complies with the commercial vehicle policy.

There is a lot of value for money available, on each of these policy schemes. The best feature of Provident Car Insurance is that the customer is protected against depreciating value of the insured vehicle.