You can pay your annual insurance premium in full by debit or credit card or by monthly Direct Debit. Finance is provided by Premium Credit Limited, Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB.

Please read carefully the pre-contractual explanations and the information shown in the representative example. Together they provide important information in relation to the credit facility available from Premium Credit.

To use the facility you must be resident in the UK, aged 18 years or over and hold a bank or building society current account which can support Direct Debit payments. Credit is available subject to status.

At renewal we also offer the facility to pay by cheque or BACS.

You can pay your annual insurance premium by Direct Debit subject to a deposit of £25.00 followed by 9 monthly payments of £27.30. Credit is subject to status.

Representative example

Representative 23.83% APR variable

Cash Price	£250.00
Less Deposit payable to First Commercial Insurance Brokers Ltd	£25.00
Balance (amount of credit)	£225.00
Transaction fee 9.20% of Balance	£20.70
Total amount payable (Balance + transaction fee) by 9 payments	£245.70
Monthly minimum payment	£27.30

The total amount of credit will not be less than the minimum credit limit of £1,500

If you choose to pay by instalments, your personal information and the bank details you provide on the Direct Debit Instruction will be passed to our third party finance provider, Premium Credit Limited. In assessing your application for credit they will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. Premium Credit will send you a welcome pack detailing their full terms and conditions and commence collection of your instalments. A credit agreement will be included for you to sign and return. Premium Credit may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. Premium Credit will take security over any monies payable to you under any insurance policies which are financed by the credit agreement. This means they can use any money you would normally receive under those insurance policies to repay all or part of the outstanding balance under the credit agreement.

If you have any questions about your instalments, contact Premium Credit on 0844 736 9836. On renewal of your insurance cover we’ll continue to pass your details to Premium Credit unless you instruct us otherwise.