Why did your debt recovery team contact me?
We’ve contacted you as you’ve either missed a payment or owe money following your policy being cancelled.
Please get in touch with us as soon as possible on 0333 321 9796. All calls are confidential and our friendly team are here to help.
What to do if you miss a payment
We’ll contact you to arrange payment or let you know if we can collect the outstanding amount from the card linked with your account.
We’ll take time to understand your situation and discuss the options available to help you.
If your direct debit’s returned unpaid, we charge a missed payment fee.
If we’re unable to collect the missing payment we’ll cancel your insurance. We’ll give you notice before this happens.
If your policy’s cancelled and there’s an outstanding debt, we’ll contact you again to ask for payment of the full outstanding amount.
If you don’t contact us to agree a solution we may instruct a debt collection agency and charge you an administration fee.
Financial difficulties:
If you're worried about keeping up with your payments, please get in touch with us as soon as possible on 0333 321 9796. All calls are confidential and our friendly team are here to help. We're happy to talk to a relative, friend or debt counselling organisation about your account, but we'll need you to give them authorisation first.
You can also get free, independent advice at any time from organisations such as:
· Money Helper - they offer support with a range of things including choosing financial products, budgeting, benefits and debt advice. Call 0800 138 7777 or visit moneyhelper.org.uk
· StepChange - they offer free debt advice, practical help and support for however long it’s needed. Call 0800 138 1111 or visit www.stepchange.org
· Citizens Advice Bureau - they can help in person, online or over the phone. Visit your local Citizens Advice Bureau or go to www.citizensadvice.org.uk
All of the organisations above are not-for-profit, which means any money raised goes back into the cause to support others. Contacting us (or any of the organisations above) for help or advice will not impact your credit file. However, you might be offered options that may have an impact. The organisation will be able to answer any questions you have about this.