We offer two payment plan options:

• You can pay your premium in full when you arrange cover.
• You can pay a deposit (approx. 30%) when you arrange cover, then spread the balance of your premium over up to 8 monthly instalments at no additional charge. The minimum monthly instalment is €10.

Note, if you are paying by instalments and have a claim, any outstanding premium becomes payable immediately. If you fail to make a payment when due the instalment facility may be withdrawn in which case the full outstanding premium becomes payable immediately. Failure to make a payment may also ultimately result in the cancelation of your policy, and our withholding the option for you to pay by instalments in future.

No, we offer a free instalments plan where you pay an initial deposit (aprox. 30%), then spread the remainder of your premium over up to 8 monthly instalments at no cost. The minimum monthly instalment is €10.

Note, if you are paying by instalments and have a claim, any outstanding premium becomes payable immediately. If you fail to make a payment when due the instalment facility may be withdrawn in which case the full outstanding premium becomes payable immediately. Failure to make a payment may also ultimately result in the cancelation of your policy, and our withholding the option for you to pay by instalments in future.

Your stored payment cards may be used as follows:

• If you are paying for a policy by instalments we will use a stored card to apply for each payment when it is due. We will initially attempt to collect payment using the primary stored card you nominated for the policy concerned, but if we are unable to collect the amount due, we may use one of your other stored cards to collect it.
• If you make an amendment resulting in an additional premium and you are not paying by instalments, or have no future instalments due, you can select one of your stored cards to be used to pay the additional amount.

If you are paying by instalments then you must store your credit or debit card details by clicking the appropriate field when entering your card information. Even if you are paying annually it can be a good idea to store your card details as it will save you having to re-enter them if you make a change to your policy.

Important – Your card details will be stored securely via Opayo which is a level 1 PCI DSS compliant payment gateway meaning it provides the highest level of card data security.

If you have more than one card stored, you can nominate which card is used first to attempt future payment collections as follows:

• Log in to Visicover as normal and select 'My Account' from the main menu
• Select 'Manage Payment Cards' to display a list of registered cards
• Select the card currently being used for instalment payments to see details of any linked instalment plans
• Select the instalment plan that you wish to pay using a different card
• Select the card that you wish to use from the drop-down list
• Click 'Save' to commit the change
• Check that the plan has been reallocated to the required card by selecting that card, at which point the instalment plan will be displayed

Important - If you wish to use a card which is not yet registered, click here for details on how to add a card.

You can delete a stored payment card as follows:

• Log in to Visicover as normal and select 'My Account' from the main menu
• Select 'Manage Payment Cards' and select the card to be deleted from those listed
• Select 'Delete Card'

Please note:

• You can only delete a card which has no future instalment plans attached to it. If you wish to delete a card which has future instalment plans attached you must first add a replacement card and move the future instalment plans to it.
• If we have been unable to collect an instalment using the primary card you nominated for a policy, we may use one of your other stored cards to collect it. Given this, if you do not wish a stored card to be used as a back-up, please delete it.

When you buy or make a change to a policy you are given the option to add a payment card via the payment screen. However, you can also add a payment card for future use as follows:

• Log in to Visicover as normal and select 'My Account' from the main menu
• Select 'Manage Payment Cards' and then click 'Add Card'
• Enter the card details and billing address, then click 'Save'

If you are not paying by instalments or have no future instalments to pay, you will be returned to a screen where you will see the new card listed. However, if you have a policy with future instalments to pay, you will instead be given the option to nominate that the new card is used first when we attempt to collect such instalments. The process to do this is as follows:

• Select ‘OK’ in the pop up window which asks if you want to move any existing instalment plans to the new card
• A list will appear of any of your existing policies which have future instalments. Tick the ‘Yes / No’ box to nominate the selected card as the first card from which we should attempt to make future payment collections for that policy
• When you have ticked the required policies, click ‘Save’ to commit the changes

• Log in to Visicover as normal and select 'My Account' from the main menu
• Select 'Manage Payment Cards' and select the card from those listed
• Select 'Edit Card' and enter the new expiry date
• Click 'Save'

• Log in to Visicover as normal and select 'My Account' from the main menu
• Click 'View Future Payments'
• Select the policy whose instalments you wish to see from the drop-down list
• The future instalments and their due dates will be listed in date order

• Log in to Visicover as normal and select 'My Account' from the main menu
• Click 'View Payment History'
• The account balance will be shown at the top of the page next to the currency
• A list of amounts invoiced and paid will also be shown with the most recent transaction shown first

If you have been paying for your policy by instalments but decide you wish to pay off the outstanding balance then you can do so as follows:

• Log in and open the policy you wish to pay off from those listed in the ‘Active Policies’ block
• Click 'Make Changes to Policy', leave the Cover Change Date as today, then click ‘Ok’
• Click 'Next' at the bottom of each quote pages until you reach the Summary page, at the top of which it should say 'Your Premium Change: €0'
• Tick the check box in the declaration at the bottom of the Summary and click ‘Continue To Purchase’
• On the payment screen, click 'Up Front Payment' under Payment Method to see the outstanding balance and a confirmation that this amount amount will be paid immediately
• Click 'Complete Purchase' to process the payment, then ‘Continue’ to return to the dashboard