Provident Insurance
Southern Autos is proud to recommend Provident Insurance to our customers.
Insurance is an important element of purchasing a new vehicle and Provident Insurance provides a range of insurance products and services designed to protect your vehicle and your lifestyle, including:
- Mechanical Breakdown Insurance
- Credit Contract Indemnity
- Guaranteed Asset Protection
Mechanical Breakdown Insurance
Buying a new or used vehicle represents a major investment, so it’s wise to protect your vehicle against the sudden or unforeseen happening of mechanical or electrical failure.
Provident Mechanical Breakdown Insurance provides amongst the most comprehensive and competitive policies available in New Zealand.
Available through Southern Autos, we offer 2 types of policies, Classic Cover and Pinnacle Cover. The policies provide cover for 1, 2 or 3 years and offer a range of terms and excess options designed to suit you and your vehicle.
For more information on the features and benefits of Provident Mechanical Breakdown Insurance please view the Summary of Cover listed below.
Summary of Cover
Please Note: This is a summary of cover provided under each policy only. For a full list of all terms, conditions and benefits please contact us for a copy of the Registration Certificate and Policy Booklet wording.
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Classic Cover |
Pinnacle Cover |
General |
This policy provides 4 levels of cover, determined by the age, mileage, make and model of the vehicle. The benefits provided by this policy vary with regard to each level and the age, mileage, make and model of the vehicle. The benefits
shown below are the maximum benefits provided for a standard vehicle. |
This policy provides 4 levels of cover, determined by the age, mileage, make and model of the vehicle. The benefits provided by this policy vary with regard to each level and the age, mileage, make and model of the vehicle. The benefits
shown below are the maximum benefits provided for a standard vehicle. |
Qualifying Vehicles |
This policy covers standard vehicles that are less than 16yrs old or which have travelled less than 250,000kms at the date the policy commences cover. |
This policy covers standard vehicles that are less than 12yrs old or which have travelled less than 150,000kms at the date the policy commences cover. |
Claim Limits |
Up to $5000 per claim. Unlimited claims over duration of policy. |
Unlimited amount per claim. Unlimited claims over duration of policy. |
Excess Options |
A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim. |
A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim. |
Special Benefits |
Generous allowances for accommodation, car hire/return home costs or vehicle repatriation. |
Generous allowances for accommodation, car hire/return home costs or vehicle repatriation. |
Emergency Breakdown Assistance |
In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility. |
In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility. |
Roadside Assistance |
You will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance. |
You will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance. |
Credit Contract Indemnity
Borrowing money (credit) has never been more freely available than it is today. It enables us to make choices, to buy the things we want, when we want, and to enjoy life.
When you borrow money you enter into an agreement to repay it back at a certain rate and over a certain period. However, things can change over time and whilst you may be fit and healthy today, with steady income and a secure future, unexpected
events can very quickly change your situation.
Southern Autos recommends Provident Credit Contract Indemnity to cover you and your family in the event of you suffering financial loss as a result of you being off work due to accident, illness, redundancy, suspension, business interruption,
bankruptcy or hospitalisation. It also has a life-cover benefit to pay the outstanding balance of your credit contract in the event of death.
With Provident Credit Contract Indemnity you can relax knowing the money you borrow today can be repaid should the unexpected happen in the future.
For full details of the Provident Credit Contract Indemnity policy please contact us.
Guaranteed Asset Protection (Gapcover)
When purchasing a new vehicle and committing yourself to loan repayments over an extended term, it’s wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the shortfall that can occur between
the amount outstanding on your finance contract and the insurance payout you receive.
Provident Gapcover has been designed with exactly that in mind – to help pay the difference (the gap) between what your vehicle insurance policy pays out and the balance you owe under your finance contract. Provident Gapcover may also pay additional
benefits, which are designed to help reimburse you for associated incidental costs, if you select this extra “Special Benefits” cover for your policy.
Southern Autos recommends Provident Gapcover to protect your investment in your new vehicle so you can replace it, if you need it ….. providing control, certainty and choices for your future.
For information regarding the cost of borrowing, credit card fee and default fees click here