Who is Provident Insurance?

Provident Insurance is a New Zealand-based vehicle insurance provider. Their online platform lets you get a real, personalised quote in minutes, entirely on your own terms, with no pressure from salespeople.

Is the quote really free?

Yes, completely free. There's no obligation to purchase and no cost to get your quote. You're in full control of whether you proceed.

Do I need to speak to anyone?

Not at all. The entire process is online and self-serve. Simply enter your details, review your quote, and choose your cover, no phone calls or meetings required.

When does my cover start?

Once you accept your policy, cover can begin immediately, meaning you can be fully insured before you drive your car off the lot.

Can I add glass cover to my policy?

Yes. Excess-free glass cover is an option you can add to your quote, and it isn't limited to your windscreen, it covers accidental damage to your windows, sunroof, headlights, and taillights too. With it added, you won't pay an excess on any of those glass claims, just straightforward, convenient cover when you need it most.

Can I get a rental car while mine is being repaired?

Yes, if you've added rental cover to your policy. We'll cover the reasonable cost of hiring a replacement vehicle while your car is being repaired or until your claim is settled, so you're not left without transport.

Is roadside assistance included?

It's available as an optional extra. Add it to your policy and you're covered for up to six roadside callouts a year through NZ Roadside Assistance, available 24/7 anywhere in New Zealand, with no excess to pay.

What does "agreed value" mean?

It means you and Provident agree on your car's value upfront when you take out the policy. If your car's written off, you know exactly what you'll receive, no surprises and no debate over value at claim time.

Can I change my mind after taking out a policy?

Yes. There's a 14-day cooling-off period from your policy start date. If you're not completely satisfied, you can cancel and get a full refund, as long as you haven't made a claim during that time.

Car Insurance NZ

Get a real quote from Provident Insurance in minutes, no salespeople, no obligation, and cover that can start the moment you drive away.

How It Works

1. Enter Your Details

Fill in your car and personal info online — takes less than 5 minutes.

2. Get Your Quote Instantly

Receive a real quote from Provident Insurance — no phone calls, no waiting.

3. Drive Away Covered

Accept your policy and hit the road fully protected from day one.

Get My Free Quote

What's Covered

On top of the essentials below, you can tailor your policy with optional extras: excess-free glass cover, rental cover, 24/7 roadside assistance, and trailer cover.

Comprehensive Cover

Damage to your car
Damage caused by fire
Natural disaster damage
Theft of your vehicle
Claims that weren't your fault
Damage caused by an uninsured third party
Damage to someone else's property
Towing, storage and transport

Also Included

Replacement and additional cars
Excess-free keys & locks
Child car seats
Incorrect refuelling
Free valet after a break-in, no excess
Agreed value, so you know exactly what you'd get if your car's written off

Why Get Insured With Us

Under 5 Minutes

Get a real quote faster than a coffee run — do it while you wait for your car.

No Salespeople

100% online, self-serve process. Your quote, your pace, your decision.

Easy to Compare

Transparent pricing so you can weigh it up against competitors with confidence.

FAQs

Provident Insurance is a New Zealand-based vehicle insurance provider. Their online platform lets you get a real, personalised quote in minutes — entirely on your own terms, with no pressure from salespeople.
Yes, completely free. There's no obligation to purchase and no cost to get your quote. You're in full control of whether you proceed.
Not at all. The entire process is online and self-serve. Simply enter your details, review your quote, and choose your cover — no phone calls or meetings required.
Once you accept your policy, cover can begin immediately — meaning you can be fully insured before you drive your car off the lot.
Yes. Excess-free glass cover is an option you can add to your quote, and it isn't limited to your windscreen — it covers accidental damage to your windows, sunroof, headlights, and taillights too. With it added, you won't pay an excess on any of those glass claims, just straightforward, convenient cover when you need it most.
Yes, if you've added rental cover to your policy. We'll cover the reasonable cost of hiring a replacement vehicle while your car is being repaired or until your claim is settled, so you're not left without transport.
It's available as an optional extra. Add it to your policy and you're covered for up to six roadside callouts a year through NZ Roadside Assistance, available 24/7 anywhere in New Zealand, with no excess to pay.
It means you and Provident agree on your car's value upfront when you take out the policy. If your car's written off, you know exactly what you'll receive — no surprises and no debate over value at claim time.
Yes. There's a 14-day cooling-off period from your policy start date. If you're not completely satisfied, you can cancel and get a full refund, as long as you haven't made a claim during that time.

Get My Free Quote

Looking to finance your next vehicle too? See our car finance options.

Want cover for mechanical repairs as well? See our Mechanical Breakdown Cover options.