I had to give one star but I would actually say they don't deserve any, absolutely the worst company I have ever dealt with in my life. After my sons stationary car was hit by a speeding driver that caused his car to go on fire, they have been absolutely useless. I have evidence from the police that it was a non fault accident on my sons part, yet Provident who I pay my insurance to has it on record that its a fault. Neither Covea nor Provident have done anything to resolve the fact that the person who hit my sons car is not responding to her insurance company. As my sons car is a write off I have been advised by Covea that unless there is another car on the insurance policy within 30 days they will be deducting the full years insurance premium of £1400 plus £1000 excess from the settlement, before they pay the finance company. This did not appear on my policy document. This means I am in no position to replace the car as I will now be paying finance and insurance for a car that is in a scrap yard. I have stated that it does not say in my policy they will deduct the rest of the years premium from the settlement and I feel so misled and let down by this company, I have asked can they let me continue to pay my insurance monthly, which would enable me to replace the car whilst waiting to hear from the at fault drivers insurance but was informed it was decided on a case by case basis and they want the full premium before paying the settlement. I cannot believe how difficult and confusing the claims process has been. I took my insurance out with Provident, yet when you make a claim you have to do so with Covea who are apparently the same company under a different name with a completely different system, meaning you spend hours going between the two companies as they are not able to share information with each other, absolute ridiculous set up which leaves you feeling extremely frustrated and stressed. If you are considering using this company ensure you read all the small print as I was under the impression my sons excess was £650 which is still high, but was informed when claiming it was actually £1000. I have seen no benefit at all from being insured by this company.