I was with provident for a year until today changed my car within the year which was no hassle at all. The day before Xmas eve last year somebody ran into me on a roundabout I called provident to report this and ask about repairing my car, I had to chase the other person's insurance up and report the incident and they point blank refused to do anything about this. My insurance came up for renewal last week but it ended up "lapsed" as they said. So was left with no insurance and had to sort out new insurance. When you phone them it's always a very long wait to get through to someone and don't ever web chat them because you just get ignored on that. Avoid at all costs if you want a nice easy insurer to deal with