Admin & Payment
Please click on a question below to reveal the answer.
Yes, if you set your start date to today, then your car insurance cover will start from the moment your payment is accepted.
We will send you a confirmation email once you have completed your online purchase and your payment has been accepted. The quickest way to view, download or print your policy documents anytime is via the Customer Portal. For customers requesting their documents via the post these can take up to 5 working days.
Confirmation of your insurance policy will be sent to you by email or post within 5 working days. Your Terms of Business, Statement of Facts, Schedule and Certificate of Insurance will be available to download, view or print anytime from your Customer Portal.
Our policy documents are available to download at any time from your Customer Portal.
You can download your certificate anytime from the Customer Portal. Alternatively, you can Live Chat us to arrange for us to send the certificate during office hours.
Annual payment
You can choose to pay for your insurance in full via debit or credit card.
By Direct Debit
You can choose to pay monthly by Direct Debit credit agreement through our third party premium finance provider, Premium Credit Limited (PCL). By selecting Direct Debit, you will pay more for your insurance.
PCL are authorised by the Financial Conduct Authority (FCA) to provide finance to customers in respect of insurance premiums.
Email: customer.services@pcl.co.uk
Phone: 0344 736 9836
Post: Premium Credit Limited, Ermyn House, Ermyn Way, Leatherhead, KT22 8UX
Please note: Onequote Direct is acting as a credit broker and not a lender. We only introduce you to PCL for the arrangement of Direct Debit credit agreements. You do not pay us anything for this service. Instead, you pay interest on the amount loaned to you by PCL, known as a Transaction Fee.
Transaction Fee
You will pay a Transaction Fee for each transaction added to your PCL account. You will be told which rate applies to you before you submit your application for credit. This information will also be included in your PCL Welcome Pack.
Credit Searches
When you apply to pay by Direct Debit credit agreement, PCL will search public information that credit reference agencies hold about you and use this to assess whether they will lend to you. If they decline your application, they will let you know and inform you of the credit reference agency they used.
PCL Welcome Pack
The PCL Welcome Pack contains important information about your Direct Debit credit agreement. This includes information about PCL, the terms and costs of the potential finance product and the comparable costs of the financing so you can make an informed decision about whether to proceed. Documents included in the pack are Pre–contract Explanations and your Credit Agreement which will confirm all the details of your Direct Debit credit agreement including the Annual Percentage Rate so you can compare this with other types of lending.
Annual Percentage Rate (APR)
The APR shows all the credit-related charges that apply to your credit agreement expressed as an annual rate of charge.
Managing my Direct Debit
If you have chosen to pay for your insurance by Direct Debit, you must register online with PCL and sign your credit agreement. To register for your online account and to find out how to sign your credit agreement, visit www.support.mypremiumcredit.com. Once you have registered, you can manage your account online including making changes to your payment date and bank details as well as cancelling your agreement.
Cancelling your agreement
You have a 14–day right to cancel the Direct Debit credit agreement after it has been made, which can be done via the PCL portal. For more information on how to cancel your Direct Debit credit agreement, visit www.support.mypremiumcredit.com/Cancelling-my-agreement/.
PCL will notify us if you cancel your Direct Debit credit agreement, fail to make payment on time and in full or if you end the Direct Debit credit agreement. If you do not make payments as detailed in your agreement, you may be charged £25 each time you miss or make a late payment. If your Direct Debit credit agreement is cancelled, you must contact us to arrange alternative ways to pay for your car insurance or your policy will be cancelled and all cover will end.
Contact Us
For more information about your Direct Debit credit agreement and PCL, please contact us.