Contact and support

We provide finance through your insurance broker so that you don't have to pay for your insurance premium in one go.

By spreading the cost of your insurance premium, choosing the payment date that best suits you, and budgeting for your fixed monthly repayment, it helps you manage your money more easily.

When you set up your insurance policy your insurance broker would have discussed you would like to pay your premium, e.g. in full or monthly by Direct Debit using Close Brothers Premium Finance.

We pay your insurance broker the full cost of your insurance policy. You then pay us back the cost of your insurance policy plus interest and charges in regular instalments by Direct Debit. Our name appears on your bank statement when we take these monthly instalments.

We will only debit a bank account that has been provided to us by an insurance broker or existing customer for a finance agreement that has been set up with us.

If you believe we have debited your bank account incorrectly, get in touch using the details below.

Please take time to read everything carefully. Please check all the details – including your Direct Debit details – are correct, and let us know if there are any changes. If you haven’t signed a credit agreement yet there will be two copies enclosed in your Welcome Pack.  Please sign and return one of them to us and keep the other one for your records.

We can change your Direct Debit payment date but the amount of days you can change your instalment dates by will depend on your insurance broker. Any changes must be made three or more working days beforehand. There may be a charge for this service.

If you want to cancel your finance agreement and / or your insurance policy you should first read the information provided in the welcome pack we sent you when you first took out the agreement. This explains your right to withdraw from or cancel your agreement. You should then speak to your insurance broker to arrange an alternative method of financing your insurance policy if you want the policy to continue. You can also call us using the details below if you have any questions.

We can change your Direct Debit payment date but the amount of days you can change your instalment dates by may vary. Any changes must be made four or more working days beforehand. There may be a charge for this service and we may need to get agreement from your broker before making any change.

We collect monthly instalments by Direct Debit. You will either complete a Direct Debit mandate or give your bank details to your insurance broker over the phone. This will set up your Direct Debit and your monthly instalments will be automatically taken each month.

If your broker asks you to pay a deposit, they will discuss payment of this with you as a number of different options may be available.

Depending on when your first instalment was due and when we received your credit agreement, two of your payments may be taken close together or on the same day. Please contact us using the details below if you have any questions.

An ongoing change to the amount of your monthly payments may be due to an increase or decrease to your insurance premium. Please contact your insurance broker. You can also call us using the details below if you have any questions.

If you have recently missed a payment, we may have collected this and / or a default fee at the same time as your next payment. if you have any concerns, please give us a call.

If you miss a payment you may have to pay a fee which will vary depending on whether you're an individual or business customer.

Default fee – if you miss a payment

• Personal: €15
• Commercial: €40

Cancellation fee – if your credit agreement is cancelled

• Personal: €12
• Commercial: €15

Please see the terms and conditions on your credit agreement to find out more. If you have any concerns, please give us a call.

Missing a payment may ultimately affect your credit rating.

If you miss a payment more than once and do not make a payment to rectify this, your agreement with us may be cancelled. This could impact your insurance policy and you may be charged a cancellation fee.

We will send you a letter to let you know how to make a payment. If you have any questions, please contact us using the details below. If you are an individual customer, you can call our 24/7 automated card payment service on 0870 220 3192 in the UK or 1890 928 281 in the Republic of Ireland.

The terms and conditions of your agreement with us outline the fees you could be charged by us and they will vary depending on whether you're a business or an individual, 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: €12
• Commercial: €15

Default fee – if you miss a payment

• Personal: €15
• Commercial: €40

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

We’re here to help. We understand that there are times where circumstances may make it difficult for you to meet your payments, which is why we have a team of specially trained advisors to support you. 

If you are struggling to make your payments or think you may do in the future then please contact us using the details below. We’ll will be able to explain the options available to you which may help you resolve the situation.

We’re here to support you, so please do get in touch with us as soon as you can. 

You can also visit the Money Advice and Budgeting Service website for free, impartial advice.

Please contact us using the details below to discuss this.

Please contact your insurance broker as we do not offer PPI as a product. We are unable to answer questions about your insurance policy itself as we don't hold this information.

We provide finance through your insurance broker at a competitive rate of interest so you don't have to pay for your insurance premium in one go.

By spreading the cost of your insurance premium, choosing the payment date that best suits you, and budgeting for your fixed monthly repayment, it helps you manage your money more easily.

Instead of paying for your insurance policy upfront in one lump sum, premium finance lets you spread the cost over regular monthly instalments.

By spreading the cost of your insurance premium, choosing the payment date that best suits you, and budgeting for your fixed monthly repayment, premium finance helps you manage your money more easily.

When you set up your insurance policy your broker would have asked if you would like to pay your premium in full or monthly by Direct Debit using Close Brothers Premium Finance.

We pay your broker the full cost of your insurance policy. You then pay us back the cost of your insurance policy plus interest and charges in regular instalments by Direct Debit.

When you set up your insurance policy your insurance broker would have discussed how you would like to pay your premium, e.g. in full or monthly by Direct Debit using Close Brothers Premium Finance.

We pay your insurance broker the full cost of your insurance policy. You then pay us back the cost of your insurance policy plus interest and charges in regular instalments by Direct Debit. Either our name or your broker's name will appear on your bank statement when we take these monthly instalments.

We will only debit a bank account that has been provided to us by an insurance broker or existing customer for a finance agreement that has been set up with us.

If you believe we have debited your bank account incorrectly, get in touch using the details below.

We provide finance through your insurance broker so that you don't have to pay for your insurance premium in one go.

By spreading the cost of your insurance premium, choosing the payment date that best suits you, and budgeting for your fixed monthly repayment, it helps you manage your money more easily.

We are able to finance the majority of insurance policies for both businesses and individuals. Your insurance broker will be able to let you know if we finance your specific policy.

Please take time to read everything carefully. Please check all the details – including your Direct Debit details – are correct, and let us know if there are any changes. If you haven’t signed a credit agreement yet there will be two copies enclosed in your Welcome Pack.  Please sign and return one of them to us and keep the other one for your records.

This sets out the details of your account with us, including the terms and conditions, and is regulated by the Consumer Credit Act 1974. 

It’s important that you read it, along with the other information enclosed in your welcome pack. If you’re happy to go ahead, please sign a copy of your credit agreement and return it to us.

Failure to sign and return your credit agreement could lead to the cancellation of your account with us and may affect your insurance cover.

We may ask you to sign a new credit agreement if your previous agreement has been cancelled, or if you make any changes to your personal, business or financial details, or if your broker makes changes to your insurance.

This facility is available to many of our customers (depending on your insurance broker and the type of insurance). You will receive an email if you are able to sign your credit agreement online.

If you are unable to sign your agreement online and you are using a mobile phone or tablet, we recommend you try to access the link from a laptop or desktop PC. If you are still having problems, please contact us using the details below or sign and return the paper copy of your credit agreement.

This means that you have missed the deadline to sign your credit agreement online. If you have not done so already, please sign and return the paper copy.

Don't worry. If you make a mistake simply amend it and initial next to the changes.

You can either contact us using the details below, or simply amend the mistakes (e.g. spelling of your name, date of birth etc) and initial next to the changes, and return your credit agreement to us. Some changes may require you to speak to your insurance broker to confirm the change with us as well, and we may need to ask you to sign a new credit agreement.

Contact us or your insurance broker to change any of your personal details. You may be asked to sign a new credit agreement.

Please contact us using the details below as soon as possible.

APR (Annual Percentage Rate) is a standardised way to disclose the cost of borrowing and is calculated based on a number of assumptions prescribed by law. Under a running account credit agreement, we have to calculate the APR over 12 months even if you're paying your agreement back over ten months or less. This makes sure that the use of APR is standard across all credit providers and means you can use it to compare different credit options.

The interest rate you will actually be charged is listed on your credit agreement as the gross rate.

The indicative total amount payable (ITAP) is an illustrative figure which we are required by law to include on our credit agreement. It tells you the total amount you would have to pay back including interest if you were taking out a policy of £1,200 / €1,500.

This is included as standard across all credit providers so that you can compare different credit options. It does not affect the amount you are paying or borrowing in any way.

The total amount you will pay is listed on your credit agreement and Standard European Consumer Credit Information (SECCI) as the total amount payable.

This is not the figure you are borrowing. It is a standard amount used to calculate the indicative total amount payable (the ITAP).

The ITAP is an illustrative figure which we are required by law to include on our credit agreement. It tells you the total amount you would have to pay back including interest if you were taking out a policy of €1,500.

This is included as standard across all credit providers so that you can compare different credit options. It does not affect the amount you are paying or borrowing in any way.

The letter will tell you who to contact (either us or your insurance broker). Please do so as soon as possible.

We aim to provide products and services of the highest standard. If you feel we've fallen short of this, we want to know so we can put things right. Your feedback is really important to us and helps improve the service for all our customers.

If you would like to get in touch regarding a complaint, please contact the Complaints team using the details at the bottom of this page.

Please contact your insurance broker to make any changes to your insurance policy or premium.

Please contact your insurance broker – we are unable to answer questions about your insurance policy itself as we don't hold this information.

If you want to cancel your finance agreement and / or your insurance policy you should first read the information provided in the welcome pack we sent you when you first took out the agreement. This explains your right to withdraw from or cancel your agreement. You should then speak to your insurance broker to arrange an alternative method of financing your insurance policy if you want the policy to continue. You can also call us using the details below if you have any questions.

Please contact your insurance broker – we are unable to answer questions about your insurance policy itself as we don't hold this information.

Nothing - your insurance broker will be in touch. If your insurance broker asks us to finance your insurance policy at renewal under your credit agreement then we will write to you to tell you this and give you time to withdraw.

Please contact your insurance broker – we are unable to answer questions about your insurance policy itself as we don't hold this information.

Please contact your insurance broker – we are unable to answer questions about your insurance policy itself as we don't hold this information.