• An excess will apply on all at fault claims. – Your policies excess is stated on your Policy Schedule.
• Three year replacement vehicle cover - For new vehicles, if the vehicle is deemed a total loss within three years from the date of purchase* (the vehicle must be insured for the initial purchase price of the vehicle). 
• Twelve month used vehicle cover - For used vehicles, if the vehicle is deemed a total loss within twelve months from the date of purchase, the policy pays the greater of the vehicle’s purchase price or the market value.
• Use of genuine manufacturer’s parts - To ensure maintenance of the manufacturer’s warranty.
• Rental vehicle (Loss of Use) cover - Included at no additional cost.
• Nil excess on windscreen, windows, sun-roof, headlight, headlight protectors or tail light claims, for vehicles with a value of less than $150,000. (For vehicles valued $150,000 or over, a 0.5% of the Sum Insured excess applies.) 
• Keys and locks cover up to $1,000 in any 12 month period ($100 excess applies) 
• Trailer cover up to $5000 in any 12 month period (a $250 excess applies) 
• Third Party Legal Liability Cover up to $5,000,000 in any 12 month period (no excess) 
• Accidental Death Benefit of $10,000 Temporary cover for 7 days when a new replacement vehicle is purchased up to a limit of $150,000
• Incorrect refuelling cover included to a maximum of $1500 for any one event. ($100 excess applies).
• Business use cover is available.
• No cover available for Couriers, Goods delivery vehicles, Taxi/Uber/Ride share.
• You are not covered in regards to preparing to, or taking part in any race, rally, pace-making or drag race, or on any race track.
• The policy can be cancelled at any time, and unused premium will be refunded, subject to a $25 de minima.

*Three year replacement vehicle cover 

• Where the cover amount is less than $100,000, the vehicle can travel a maximum of 100,000km at time of total loss.
• Where the cover amount is more than $100,000, the vehicle can travel a maximum of 60,000km at time of total loss.

Please refer to the below Provident Luxury Motor Vehicle Insurance Policy Booklet for full details of the policy terms and conditions and exclusions that apply.

Contact your local dealer