Renewal topics

We’re here to help you adjust your policy to fit your needs. While we always offer our best price based on your coverage details, any changes to your policy may affect your premium. You can modify: Your coverage options Personal details Policy terms For assistance with any changes, connect with our renewals team via live chat during business hours. Our specialists will explain how modifications may affect your premium and help you make any necessary adjustments.

Automatic renewals are only for those customers paying by monthly direct debit. We will email you your renewal offer which will clearly state whether your policy will automatically renew. You can also view your renewal status in My Account which will show whether your policy will automatically renew or not. If the policy isn’t set to automatically renew, you can continue online to view further detail of the terms and cover, and pay using your card or opt to continue on direct debit. If you don’t want to renew, don’t just cancel your direct debit with the bank as this will not cancel the policy, it only cancels your payment via your credit agreement with Premium Credit Ltd. You need to let us know as we administer the policy.

Policies that are paid annually by card do not renew automatically, they will lapse on expiry date of the policy if we don’t receive a payment from you by this point. You don’t need to tell us if you no longer need the insurance from renewal e.g. you’re moving abroad, as it will lapse.

Yes, you can opt out of auto-renewal at any time. Simply

Yes! You can view and accept your renewal offer by logging into My Account. Note: If you need to modify your policy, please contact us first so we can provide you with an updated renewal offer that includes your changes.

To modify your policy at renewal time: Contact us via Live Chat (fastest option) or email. Explain the changes you’d like to make. We’ll provide you with an updated renewal offer reflecting these changes Remember: Any changes to your circumstances may affect your premium or policy terms, so it’s important to keep your information up to date for accurate coverage.

If you’ve decided not to renew your policy, you can inform us: Through live chat during business hours (fastest option) Via our renewal form By email Before you make your final decision, we’d be happy to explore alternative coverage options that might better suit your needs and budget, as we work with multiple insurers.

Your renewal offer will be available in My Account 25 days before your renewal date. You can log in anytime to view your offer once it’s uploaded.

Your renewal offer will be ready approximately 25 days before your renewal date. We’ll email you when it’s available to view in your online account. Tip: Remember to check your spam folder, as our notifications may occasionally be filtered there.

Whether your policy auto-renews depends on your payment method and renewal offer. Check the ‘What happens next’ section in your renewal email to see if: Your policy will auto-renew You need to contact us to renew We’ll always notify you of your new renewal offer before any auto-renewal takes place, ensuring you have time to review your coverage.

Certainly! When you receive your renewal offer, you have the flexibility to switch your payment method from monthly direct debit to an annual payment by card, and vice versa. Easily make this adjustment by logging into My Account.

If you pay annually and decide not to renew, there’s no need to notify us. The policy will naturally lapse on its expiry date. However, if you pay monthly by direct debit and have auto-renewal set up, please inform us if you wish to stop the automatic renewal process.