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Cover Summary - Short Term Car Insurance E-mail

This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your Policy Booklet. A copy of the Policy Booklet is available on request.

Significant or unusual exclusions or limitations are referenced to the Policy Booklet as shown in tabular format at the end of this policy summary.

What is Short Term Insurance?

Short Term Insurance is a motor insurance policy provided by Provident Insurance Plc.  Your Short Term Insurance policy is the contract between you and us and includes the policy booklet, the schedule, the certificate of insurance and any endorsements we send to you, as detailed in the Policy Booklet.

What does Short Term Insurance cover me for?

Short Term Insurance provides comprehensive cover for the period stated on the insurance schedule. We will cover your vehicle for any loss or damage sustained in an accident, following fire or theft or as a result of vandalism. We will also cover you for any damage you cause to other people’s vehicles or property or for injuries they sustain.

How long does my Short Term Insurance contract run for?

The insurance period is specified on your schedule and we offer insurance on a 24 hour basis for between 1 and 28 days.

Can my Short Term Insurance policy contract be cancelled?

You may cancel this policy at any time by returning your certificate of motor insurance to us. Due to the short term nature of this product there will be no return of premium.

How do I notify a claim under my Short Term Insurance policy?

Should you wish to make a claim under your Short Term Insurance policy you should call our Green Light Claims Helpline on 0870 043 3668. This number is open 24 hours a day, 365 days a year. It is a condition of your policy that you must report incidents to us as soon as possible. You must tell us immediately if there is to be a prosecution, inquest or other court proceedings as a result of the incident. You must not admit liability, settle, reject, negotiate or agree to pay any claim without our written permission and must send us any letters you receive from other people involved in the incident immediately without answering them.

How do I make a complaint about my policy?

We value the opportunity to investigate concerns you may have about our service. Provident Insurance is committed to handling complaints fairly, thoroughly and promptly. We will be pleased to send you a copy of our procedures for handling complaints if you request one which can be obtained via the telephone number or address detailed below. If you have a complaint please phone us on 01422 331 166 or write to us at the following address:

Customer Relations Team
Provident Insurance
Halifax House
Ferguson Street
Halifax
West Yorkshire
HX1 2PZ

Features & benefits

Exclusions & limitations

Policy Section

Loss of or damage to your vehicle caused by accident, vandalism, fire theft or attempted theft

Provides cover up to the insured value shown on your Policy Schedule.

We will pay up to the trade value (net of VAT) of the insured vehicle as defined by Glass’s guide (as it is at the time of the loss or damage), but we will not pay more than the insured value.

Any payment under this policy in respect of loss or damage to your vehicle will be made to the legal owner.

What is not covered:
  • loss or damage if your vehicle is taken or driven without your permission by your employee, member of your family, by a person living in your home or by a person in a close personal relationship;
  • loss or damage caused by theft or attempted theft while no one is in your vehicle, unless all doors, windows, other openings are closed and locked, the keys or ignitions unlocking devices are removed and security devices are set.

1

Audio equipment

Provides cover for the replacement (including fitting) or repair of equipment such as radios, speakers and CD or cassette players.

We will pay the cost, but only up to £1,000, to replace or repair audio equipment, that was supplied and fitted as standard when your vehicle was first registered. We will pay nothing in relation to the replacement or repair of audio equipment which was not supplied and fitted as standard when your vehicle was first registered.

Cover only applies to permanently fitted equipment. Excluding telephones, televisions, portable navigation systems, CB and other transmitting or receiving equipment.

Any payment under this policy in respect of loss or damage to your vehicle will be made to the legal owner.

1

Navigation system equipment

Provides cover for the replacement (including fitting) or repair of equipment.

We will pay the cost, but only up to £1,000, to replace or repair navigation systems equipment that was supplied and fitted as standard when your vehicle was first registered. We will pay nothing in relation to the replacement or repair of navigation systems equipment which was not supplied and fitted as standard when your vehicle was first registered.

Any payment under this policy in respect of loss or damage to your vehicle will be made to the legal owner.

1

Towing 

The cover your policy provides continues to apply while your vehicle is being used to tow a trailer, a caravan or a broken down vehicle, providing it is not being towed for reward.

Cover is not provided for loss or damage to any single trailer, caravan or broken-down vehicle whilst it is attached to your vehicle.

2 and General Conditions

Legal liability to other people

Provides cover for legal liability for the death or bodily injury to any person or damage to property

 What is not covered:
  • any amount over £1 million for damage to other people's property (including any related indirect loss or damage) and any amount over £1 million for related legal costs and expenses as a resul of any claim, or series of claims caused by one event;
  • We will not pay for loss or damage to any vehicle or property that you or any person claiming under this policy section owns or possesses.

2

Foreign Travel

Your policy provides the minimum cover you need by law for civil liability to other people while your vehicle is used in:
  1. any country which is a member of the European Union.
  2. any other country which the Commission of the European Union approves as meeting the requirements of Article7(2) of the European Community Directive on Insurance of Civil Liabilities arising from the use of motor vehicles (no. 72/166 CEE).

Cover is the minimum cover needed by law for civil liability to other people only.

2
Personal belongings

Personal cover for loss of or damage to personal belongings in your vehicle caused by accident, fire, theft or attempted theft.

 This does not apply to:
  • theft or attempted theft while no-one is in the vehicle unless all doors, windows and other openings on the vehicle are locked and it is broken into by force;
  • theft from a soft topped vehicle unless from a locked boot or glove compartment.

4

(£50 limit)

Driving other cars

There is no driving other cars extension under this policy.

  

Courtesy car provision

There is no courtesy car provision under this policy.

  

Personal accident benefits

There is no personal accident benefit cover under this policy.

  

 

 

General exclusions and conditions
 

Significant exclusions or limitations

Policy section

Damage claim excesses

You will pay the amount of any excess shown in your schedule toward the cost of repairs to your vehicle for damage caused by accident, malicious damage, fire, theft, or attempted theft.

Shown on Policy Schedule and in your Policy Booklet under excesses section.

Change of circumstances

 You must tell us as soon as possible about any change in circumstances likely to affect our decision to continue the insurance or deal with a claim. Examples of these changes are:
  • if a person whose details have not previously been given to us is likely to drive your vehicle, you must give us full details. changes of any type to your vehicle including engine modifications and changes such as fitting alloy wheels or 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; and
  • changes to your address or the address where your vehicle is usually kept

Please note that any changes made to your policy mid-term may incur an administration charge.

Shown in the Policy Booklet under general conditions.

Impounded vehicles

This insurance policy cannot be used for the purpose of recovering an impounded vehicle.

Shown on your Policy Certificate and in your Policy Booklet under the General Conditions sections.

Road Fund Licence (Car Tax)

This insurance policy cannot be used for the purpose of obtaining a Road Fund licence.

Shown on your Policy Certificate and in your Policy Booklet under the General Conditions sections.

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