I've missed a payment, what happens next?

We understand that from time to time, it can be difficult to manage your finances. Please don't panic. We’ll automatically send you a letter if you’ve missed a repayment and telling you the deadline for covering that payment.

If you think you're not going to be able to make a payment, call us on 01 862 2560, Monday to Friday, 8.30am to 6pm. Please make sure you have your account reference number to hand.

If you’re worried that your insurance cover is no longer suitable for your needs, you should contact your insurance broker directly to discuss your options.

You’ll be able to find your insurance broker's contact information on your insurance policy and any communications sent by them. 

Who is my insurance broker?

You’ll be able to find your insurance broker's contact information on your insurance policy and any communications sent by them. 

We aren’t able to answer questions about your insurance policy itself, as we don't hold this information.

I'm trying to sign my credit agreement online but I'm unable to. What should I do?

If you’re unable to sign your agreement online, and you’re using a mobile phone or tablet, please try to access the link from a laptop or desktop.  

If you’re still having problems, please give us a call on 01 862 2560 and enter your account reference number when prompted. Or email us at customerservicespfi@closebrothers.com.

Alternatively, you can sign and return the paper copy of your credit agreement. 

What happens if I‘m unable to sign a new credit agreement or provide the relevant identification documentation?

Without acceptable identification documentation or a signed credit agreement, we won’t be able to process your application to finance your insurance costs.

Please contact your insurance broker to discuss your options. 

What fees could I be charged?

The terms and conditions of your agreement with us outlines the fees we could charge you. These will vary depending on whether you're an individual (personal lines customer) or a business (commercial lines customer), but they could include:

Facility fee – for setting up your credit agreement

Personal: €0

Commercial: Variable depending on premium size

Cancellation fee – if you cancel your credit agreement

Personal: €0

Commercial: €15

Default fee – if you miss a payment

Personal: €0

Commercial: €40

Your insurance broker may also charge you a fee for setting up your credit agreement. 

I haven't received my insurance documents - what do I do?

If you haven’t received your insurance documents, please contact your insurance broker – we aren’t able to answer questions about your insurance policy itself, as we don't hold this information. 

You’ll be able to find your insurance broker's contact information on your insurance policy and any communications sent by them.