If you’re facing an exceptionally challenging time, which means that you're financially impacted and can't pay your normal premiums, we may be able to offer you a 'payment break'
This option is for particularly vulnerable customers that need extra support above and beyond what's included in their policy, our additional support services or member benefits. The offer of a payment break is subject to certain criteria and individual circumstances.
To be eligible for a payment break option, you should:
- have a policy that's been in place for 12 months or more
- have maintained your premiums in the past and not been more than 3 months in arrears
- not have used a payment break before
- have an individual income of less than £50,000
- have been adversely impacted by a significant drop of 50% or more to your income, or your usual earnings have stopped
- not be receiving furlough support
If we’re able to offer any payment break we'll be able to do this one month at a time and will review the situation with you on a month by month basis.
Your cover would remain in place, in full, during any payment break. And you'd be able to make a claim in the usual way, in line with the terms and conditions of your policy.
A 'payment break' option may also be available for our members who are considered vulnerable and are unable to pay premiums due to a mental or chronic physical health issue, or are coming to terms with the death of a close family member.
If you would like to explore a payment break option please contact us so we can talk to you about your circumstances and current income situation.