Website Terms of Use

This page sets out the terms and conditions about the access to and use of this website. By accessing and using this website you're agreeing to the terms and conditions as well as what is contained in our Privacy Policy and Security Policy. If you do not accept our terms and conditions, we advise you not to continue accessing or using our website. 

By using this website you also agree that we can place cookies on your device in accordance with the terms and conditions contained in our Cookie Policy.

Provident Insurance reserves the right to change the Website Terms of Use at any time by posting any changes to the website. If you continue to access or use this website after any changes are posted, this will constitute your acceptance of the modified Website Terms of Use.

Information about us

The website is provided and owned by Provident Insurance, the trading name of Covea Insurance plc, registered in England & Wales, Company No. 613259 at Norman Place, Reading, RG1 8DA. 

Copyright and website use

All copyright, trademarks, website designs, text arrangement, logos, database rights or any other intellectual property rights in the website and all material on this website are owned by Provident Insurance or its licensors. Unless otherwise agreed in writing with us, nothing on the website shall be deemed to confer on you any licence or right to use any name, brand, image, logo or similar mark and any such use may constitute an infringement of our, or a relevant third party's, rights as owner. You can download material from this website for your own personal use and to apply for our insurance. You agree not to copy, distribute, reproduce, publish, store in a retrieval system, transmit in any form or any means any part of the website to any third party and commercially exploit any part of the website without our prior written consent.  

This website is intended for your personal non-commercial use only. By using this website, you acknowledge that the copyright, intellectual property rights and ownership for the website (including but not limited to how the website is displayed or presented) are the exclusive property of Provident Insurance. Any interference or entry onto the website with intent to corrupt, damage or deny any product or service from the website for commercial benefit or otherwise is taken seriously and we will take any legal action necessary to protect our website.

When accessing or using this website you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable material of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to a civil liability or otherwise violate any national or international law.

You acknowledge that damages may not be an adequate remedy for any infringement and that we're entitled to the remedies of injunction, specific performance, and an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

You agree to seek permission and approval from Provident Insurance before establishing any links to the our website. 

Links to third party websites

This website contains links to third party websites. By following those links you'll be leaving the site of Provident Insurance and we'll no longer be responsible for the use,  access, accuracy and availability of information and materials within any of the linked websites.

Availability of website

We've taken great care in preparing this website, but certain difficulties beyond our control, might arise. This means we cannot guarantee you'll always have uninterrupted or error-free access to the website at all times, that defects will be remedied immediately, or that the website, or the servers that make the website available, are virus or bug-free. Sometimes access may be suspended or restricted (in whole or in part) so we can repair, maintain or update the website.

The information on this website is directed at residents of the UK (excluding Northern Ireland, Channel Islands and Isle of Man). Accessing this site from territories where its content is illegal or unlawful is prohibited. If you chose to access this site from outside of the UK, you are responsible for compliance with local laws. Website Terms of Use are governed by and interpreted in accordance with English law and in any event of a dispute arising in relation to them, the English courts will have exclusive jurisdiction.

Accuracy disclaimer

We aim to correct any errors and omissions on the website as soon as possible.  However, occasionally there may be errors in the price or type of products or services shown. In such a case, we reserve the right to cancel any contract with you, but this will be without any liability on your part and a full refund will be offered. In the circumstances that we cancel your insurance policy, we'll provide you with notice 14 days prior to cancelling your policy.  

Every effort is taken to make sure the website is accurate and up to date. However, all warranties (whether express or implied) and all liability to you in respect of the website, its content and your use of the same, are excluded to the fullest extent permitted by law. This disclaimer doesn't affect your statutory rights in respect of any products or services that you buy from this website.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Liability

Provident Insurance will not be liable for damages arising from your use of our website. Unless otherwise limited by law, this applies to any losses, including loss of data, damages of any kind, costs, claims, expenses, loss or damage to property, personal injury or death.

Email communications

Please do not send us confidential information by email as messages over the internet can't be guaranteed to be completely secure. We're not responsible for any messages sent over the internet and won't be liable to you or anyone else for any loss suffered in connection with any message sent over the internet.

Product Terms and Conditions

This website's content doesn't constitute an offer by us to sell products and services; your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through this website to buy the product or service, assuming that your offer is accepted, you'll receive confirmation that your purchase has been successful. The information and descriptions on the website do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

If you apply for any product or service that is detailed on this website, any description should be read in conjunction with that product or service related policy documents. Before buying any product or service on this website you should read the product information and documents carefully to ensure that you understand the contents. In the event of any contradiction between the description of the product or service on the website and the related policy documents, the policy documents will be considered correct. 

You must make sure that the payment details that you provide to us are correct and that there are sufficient funds to cover the cost of purchasing the requested products or services. In the case of requesting automatic renewal of your car insurance, the credit or debit card you use must be held in your name. 

Credit Card Transactions

You must make sure that the payment details that you provide to us are correct and that there are sufficient funds to cover the cost of buying the requested products or services. In the case of requesting automatic renewal of your car insurance, the credit or debit card you use must be held in your name.

The security of your personal and financial details is contained in our Security Policy. The credit card details you provide to us will be retained after payment has been made, which helps us in reducing credit card fraud. Any refund we provide to you for any products and services you buy by credit card will be made to the credit card account used to make the purchase, except in exceptional circumstances.

Last updated: 11/01/2016