Payment FAQs

If you pay monthly, you can change your bank account details and check your payment schedule by logging into your Premium Credit Limited account. Alternatively, you can speak to a member of the team.

If your policy renewal is approaching or a payment is being processed, you may need to wait to change your details.

Yes. To change the date of your monthly direct debit payments, log in to your Premium Credit Limited (PCL) account. Your first instalment must have been collected before a change of payment date can be processed.

If you miss an instalment payment, just log into your Premium Credit Limited (PCL) account or call us directly. A £25.00 fee will be charged to your account for late payment. Please note your credit rating may also be impacted, which could make it more difficult for you to gain credit in the future.

You can settle an outstanding payment in your online account. Once logged in, you'll immediately see any outstanding balance. Click the ‘pay now’ option to be taken straight through to the payment page.

We’re here to help. If you think you won't be able to maintain your regular policy payments, please contact us as soon as possible. Don’t wait until you miss a payment – we can help you in advance.

We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help, including moving your payment date, agreeing partial payments or payment holidays in the short term and removing any fees applied to your policy.

We ask that you don’t cancel your payments or direct debits as this could mean your policy is cancelled. We don’t want you to be left uninsured. Please get in touch with us in the first instance.

Most of our policies can be paid upfront in one lump sum payment by credit or debit card or on a monthly basis, via a credit agreement with our finance partner Premium Credit Limited. When you get a quote for your insurance, you’ll be presented with all the different payment options that are available. Please note by opting to pay by monthly instalments, you’ll enter into a credit agreement which will cost you more. We can’t accept payment via American Express.

If you get a payment error when trying to buy online, it may be because your card provider is trying to authorise the payment. We recommend you try to make the payment online again, and look out for a text, email or message on your banking app, where you may be able to authorise this payment. If you don’t receive this, please call us and we can help.

If we've issued a refund by card, it can take 3-5 working days to appear in your bank account. And if the refund is sent by cheque it can take up to 10 working days to arrive.