Payment FAQs

If you're looking to change your monthly payment details you'll need to contact the finance provider of your insurance.

If your policy started or renewed on or before 18th June 2026 your finance provider is Close Brothers Premium Finance.

You'll be able to change your details with Close Brothers Premium Finance if you have registered for their portal or by calling 0333 321 8566.

If your policy started or was renewed on or after 19th June 2026 your finance provider is PremFina.

You'll be able to change your details with PremFina by contacting them online or by calling 0330 165 9367.

Please refer to your policy documents if you're unsure who your provider is. These can be found in the portal here.

If you're looking to change the date you pay your Direct Debit on, you'll need to contact the finance provider of your insurance.

If your policy started or renewed on or before 18th June 2026 your finance provider is Close Brothers Premium Finance.

To see if you're able to change your payment dates you can either use their portal if you're registered or speak to Close Brothers on 0333 321 8566.

If your policy started or was renewed on or after 19 June 2026 your finance provider is PremFina.

To see if you're able to change your payment dates you can raise a request on their website or refer to your documents for the contact number.

Please refer to your policy documents if you're unsure on who your provider is. These can be found in the portal here.

If you miss your monthly instalment payment, you'll need to contact the finance provider of your insurance who will be able to help you.

If your policy started or renewed on or before 18th June 2026 your finance provider is Close Brothers Premium Finance.

Close Brothers will re-attempt to collect the payment from your bank, usually within ten working days, along with their standard £25 default fee. You'll be notified about this second collection request. If this payment is successful you don't need to do anything else.

If the second collection attempt is unsuccessful, you need to make a card payment within a time frame that Close Brothers will provide.

If the payment is missed for any reason other than insufficient funds, Close Brothers will notify you by post, and the RAC will text you (if you have provided a valid mobile number.) You'll need to make a card payment for the missed collection and the £25 default fee within the time frame provided by Close Brothers.

You can make this payment by logging into their online portal or calling their 24-hour payment line on 0333 321 8566. Please ensure you have your account reference number which can be found on any correspondence Close Brothers have sent to you.

If your policy started or was renewed on or after 19 June 2026 your finance provider is PremFina.

If you miss a payment, or if your Direct Debit is unsuccessful, you'll receive a notification from PremFina by text and a statutory default notice by email and post. This will let you know what the next steps are.

There is a £25.00 default fee as per your credit agreement with PremFina, and they usually attempt to collect the payment again within 7-10 days (if they have valid bank details.) They'll send an additional arrears reminder if this attempt is unsuccessful.

They'll also supply a ‘last chance date’ to make payment before the finance agreement is terminated (if the second payment attempt detailed above fails).

If you'd like to make payment, you can do so via the PremFina payment portal or refer to your documents for the contact number. You'll need your agreement number, which can be found on any correspondence from PremFina.

Please refer to your policy documents if you're unsure who your provider is. These can be found in the portal here.

How you pay depends on when your policy started or was renewed. Please note your credit rating may also be impacted if you have an overdue payment, which could make it more difficult for you to get credit in the future.

If your policy started or renewed on or before 18th June 2026 the finance provider for your insurance is Close Brothers Premium Finance.

You’ll receive a payment request by email or letter. Follow the QR code or payment link to make a card payment, or call their 24‑hour automated payment line on 0333 321 8566.

Please have your account reference number and debit or credit card details ready.

You can also pay via the online portal.

If your policy started or renewed on or after 19th June 2026 the finance provider for your insurance is PremFina.

You can make a card payment via the PremFina payment portal or refer to your documents for the contact number. You’ll need your agreement number, which can be found on any correspondence from PremFina.

Please refer to your policy documents if you are unsure on who your provider is. These can be found in the portal here.

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.

If your policy started or renewed on or before 18th June 2026 the finance provider for your insurance is Close Brothers Premium Finance.
You can speak to a member of our dedicated team on 0333 321 856.

If your policy started or was renewed on or after 19th June 2026 the finance provider for your insurance is PremFina.
You can speak to PremFina about your Direct Debit by contacting them online or refer to your documents for the contact number.

Please refer to your policy documents if you are unsure on who your provider is. These can be found in the portal here.

You can get free and impartial financial advice from MoneyHelper online or by phone.

To repay your insurance in full you can contact us on 0330 053 2311 or log into your online portal here and speak to an agent via web chat.

If you want to cancel your insurance finance, contact us on 0330 053 2311 or log into your online portal here and speak to an agent via web chat.

Most of our policies can be paid upfront in one lump sum payment by credit or debit card or monthly, via a credit agreement with our finance partner. When you get a quote for your insurance, you’ll be presented with all the different payment options that are available to you. Please note by opting to pay by monthly instalments, you’ll enter into a credit agreement which will cost you more.

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 look out for a text, email or message on your banking app before trying the payment again.

If you'd like to discuss this further, you can give us a call on 0330 053 2311 or chat with an agent via webchat here.

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

If you'd like to discuss this further, you can give us a call on 0330 053 2311 or chat with an agent via webchat here.