Apply for a payment deferral


To help our customers who may be struggling financially due to the coronavirus outbreak, we are offering payment deferrals.

You can defer your monthly payments one month at a time for three months in total. Once your deferral period has ended, the deferred amount will need to be re-paid in full.

For more information, please read the details provided and our frequently asked questions below.

How to apply


You can apply for your payment deferral online by filling in and submitting our online form.

Once you have answered the first three questions on the online form about your payment history, you will need to read the important information that appears. You can continue to fill in the payment deferral form after you have read and understood the important information.

When you submit your form, we will be in touch with details of your payment deferral.

What we need to know to process your form:

  • If you are the policyholder or if you are applying for a payment deferral on behalf of a policyholder
  • Your contact details
  • The policy number for the insurance policy you are requesting a payment deferral for (including the letters at the beginning)
  • Your eligibility for a payment deferral; if you do not match our eligibility criteria, you can still apply by filling in the form we will review your request and may be able to offer a one month payment deferral. 

Frequently asked questions


What is a payment deferral?

Eligible customers can defer their monthly payments if they are struggling financially. The deferred payment will need to be re-paid in full after the deferral period has ended.

How do I ask for a payment deferral?

Please fill in our online form here to apply for a payment deferral.


How long can I defer my payments for?

Payments can be deferred one month at a time, up to three times in total.


Will I need to pay this money back?

Yes, the deferred payment will need to be paid back in a lump sum alongside the next instalments when the deferral period ends.

For example, if your monthly payment of £25 is due on the 25 May and you defer your monthly payments for three months, we will defer £75 in total. When the deferral period has ended on 25 August, you will need to pay the deferred £75 and the £25 due that month, totalling £100.


Who is eligible for a payment deferral?

  • You pay for your insurance monthly
  • The policy is currently active and you have made at least one payment
  • You, your spouse/partner:
    • have been furloughed and have not yet received 80% of your salary from your employer under the Government payment scheme or
    • are self-employed and are unable to work or trade because of coronavirus, and haven’t yet received 80% of your salary under the Government payment scheme or
    • were made unemployed at any point after 19 March 2020


What if I don’t meet the eligibility criteria?

If you do not match our eligibility criteria, you can still apply by filling in the form we will review your request and may be able to offer a one month payment deferral. 


Is it available to new customers?

This is available to customers with an active policy who have made at least one monthly payment or a deposit.


Which insurance policies can I request a payment deferral on?

Payment deferrals are available for monthly payments on the following MORE THAN insurance policies:

  • Car insurance
  • Pet insurance
  • Home insurance
  • SMARTWHEELS young driver insurance
  • Van insurance
  • Residential landlord insurance
  • Commercial landlord insurance
  • Business car insurance
  • Shop insurance
  • Office insurance
  • Hair and beauty insurance
  • Start up insurance 


I have many insurance policies with you; can I apply for a payment deferral for them all?

Yes, you will need to fill in a new form for each insurance policy that you would like a payment deferral for.


Can I suspend my policy?

No, we are not able to suspend your policy.


Will I be able to make changes to my policy if I have deferred payments?

Yes, you can continue to make changes to your policy. If you make a change this may affect the amount of the remaining monthly payments. If this happens we will adjust the outstanding payment due at the end of the deferral period to take into account any change to your monthly payment.


I pay monthly and want to renew my policy. Can I apply for a payment deferral?

If you would like to renew your insurance policy with us, your first payment on your renewed policy can be deferred if you meet the eligibility criteria.


I pay annually for my insurance and my renewal is soon, can I defer my payment?

We cannot defer annual payments. Customers can switch to monthly payments by calling us to discuss their renewal. If you are considering this, please consider your options carefully as some policies may charge a different amount to pay monthly.