Your Guide to Monthly Payments (Premium Credit Ltd)

Want to know more about paying by monthly direct debit with Endsleigh? We've answered your FAQs below:

What payment options are there for my insurance?

One option is to pay for your insurance in full by debit or credit card. There is no fee for payment by credit or debit card, however we do not accept American Express.

Alternatively, you have the option of setting up a Direct Debit* through our third party finance provider Premium Credit Limited (PCL). This means that you pay a deposit (if applicable) and pay the balance of your premium over equal monthly instalments. 

*Credit is subject to status. 

Who is Premium Credit Ltd?

Who do I need to get in touch with - Premium Credit Ltd or Endsleigh?

  • For any policy related enquiries (including cancelling/amendments), please contact Endsleigh - some changes can be made quickly and easily via your online account, or you can find the right contact details for your policy in our contact centre.
  • For any queries relating to your payment plan (including direct debit amendments), please contact PCL directly. You can contact PCL online for no charge at, or call them on 0344 736 9814. You can also visit your online account to make changes to your payment details.

I already have my direct debit set up - how do I update my payment details?

In order to amend the bank details used to pay the Direct Debit instalments, or to change your Direct Debit payment date, please contact Premium Credit Ltd online for no charge at, or call them on 0344 736 9814. You can also visit your online account to make changes to your payment details. 

If you need to make a change to your insurance policy, you can find the right contact details for your policy in our contact centre, or find out how to make changes to your policy via your online account. You can also speak to us via Live Chat on our website. 

What if I can't afford my next payment?

If you want to defer your payment by less than 5 days, please speak to Premium Credit on 0344 736 9814.

If you are experiencing difficulty and feel it needs to be deferred for a longer period, please contact our finance department who will be happy to discuss options with you on 0333 234 1654.

Can I cancel my direct debit?

You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Premium Credit Limited before cancelling your direct debit to ensure you don't incur any late payment fees. You can contact PCL directly on 0344 736 9814

You will also need to contact Endsleigh if you wish to cancel your insurance policy. To get in touch, please visit our contact centre.

How do I know when my next payment is due?

When you set up your new policy, the default monthly payment date will be the same as your start date.

You have the option to specify a preferred payment date with Premium Credit Limited (via your online account.or their contact centre), providing not more than 30 days lapses between one payment and the next. 

Premium Credit will confirm payment dates to you directly in writing.

 If you wish to update your payment details or payment date, please contact Premium Credit Ltd directly on 0344 736 9814 or visit your online account.

Will my paid monthly policy automatically renew?

Each year we’ll write to you and offer to renew your policy for a further 12 months. If your policy is paid monthly, we have assumed that your permanent home address has not changed and you'd like the same items insured as you did last year.

Unless you call us to make changes, your policy will automatically continue from your renewal date, so you will continue to be protected and benefit from all our policy features.
If for any reason we are unable to automatically renew your policy, we will write to you to tell you what you need to do to make sure you continue your cover.

Need to get in touch about a renewal? Visit our renewals centre.

Are there any fees or charges for paying by direct debit?

A £10 fee is applied by Premium Credit if they do not receive your signed credit agreement by the date stated on your welcome letters and emails (typically a 28 day period from receipt of the agreement). Please refer to these in order to verify your deadline. The £10 fee is a reflection of Premium Credit's costs in reminding you to return the credit agreement. 

Premium Credit also charge a £20 fee for any late payment.

Find out more about our fees and charges.

Read our Direct Debit Guarantee.