Payment Delay:
what this means and how to request one

Am I eligible for a payment delay?

A 1, 2 or 3 month payment delay is available for customers who have made at least one payment on their policy since taking out cover and pay by monthly direct debit. If you pay annually and would like to talk to us about switching to direct debit at your renewal then please call us on 0330 102 6735.

What does payment holiday/payment delay mean?

A “Payment Holiday” is another name for a payment delay. This is where we agree to delay collecting your insurance premiums for up to 3 months. Premiums will still be owed at the end of this period, not written off. You can choose whether you would like to delay collection of your premium for 1, 2 or 3 months.

How do I pay back the premium owed?

The payments that you request to delay will be spread evenly across the remainder of the payments you have on your policy. For example, if after the delay you have 4 months left on your policy we would divide the premium you owe us between these months and add it to your normal monthly premium. This will be different for customers who renew in this time.

Can I still claim?

Looking after pets continues to be our priority and we will continue to pay your claims as normal in this period. However, if you claim whilst you are not paying your usual monthly premiums and cancel your policy at the end of your chosen delay period without paying the outstanding money owed , we reserve the right to ask you to pay us back any monies paid out in relation to claims in this period.

How quickly can I start a payment delay?

We can start your payment delay with immediate effect as long as you let us know a minimum of 5 working days prior to your usual direct debit date. If you notify us less than 5 working days before your direct debit is due your payment delay will start from the following month.

What if my renewal is in this period?

If your policy is due to renew in this period we can still offer a payment delay. The outstanding money from the current policy year will be collected with the first monthly premium owed when your payment holiday ends. This will be outlined in the new payment schedule we send you. The money outstanding from the new policy year will be spread over the remainder of the new policy year.

What if a payment delay isn’t right for me?

If a payment delay doesn’t meet your needs and you currently have a Covered For Life ® plan you can always speak to us about downgrading or changing the cover you have. It is best to ring us on 0330 102 6735 to speak to one of our team directly as they will be able to explain to you not only what options you have but also make sure you understand if this would have any effect on the extent of cover your pet has.

What should I do if I have multiple policies?

If you would like to start a payment delay on more than one policy, you will need to complete a Payment Deferment Form for each of your policies.

Payment Delay Form

Title *

▼ Select... Mr Mrs Miss Ms Dr Lady Lord Other

First Name *

Last Name *

Date of Birth *

Day

▼ DD 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

Month

▼ Select... Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Year

▼ YYYY 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930

 

Postcode *

Contact number *

Email address *

Policy number *

How long would you like to delay payments for? *

1 month 2 months 3 months

By completing this form and clicking submit you are confirming that you want us to not collect payments for the months you have chosen to delay, and understand that these payments will be added to your direct debit payments for the remainder of the policy year. You will receive confirmation of this and a new payment schedule after we have processed your request.