What happens if I miss a payment?

If you miss a payment, it’s important that you contact our credit provider Close Brothers by calling 0333 321 8566 (open 24 hours a day, seven days a week) or visiting their online portal to make the missed payment. Please note, the finance provider reserves the right to charge a fee of up to £30 for any unsuccessful collection of a monthly instalment.

If you don’t pay a missed direct debit, please note any money owed may be passed onto a debt collection agency, which could impact your credit score.

If you don’t pay a missed direct debit or continue to miss payments, your debt may be passed onto a debt collection agency. Should this happen, your credit score may be affected which may affect your ability to take out loans or other financial services in the future. If you do miss a payment, we will let you know through email, so it’s important you have access to the email address registered with your policy.

If you miss direct debits for your insurance, your policy may also be cancelled and you may be charged a cancellation fee as well as costs for your time on cover. You will also lose any no claims discount you may have built up during your policy, meaning your no claims discount will revert to the amount it was before you began your WiseDriving policy.


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