Guide · Payments · 2 min read

My payment didn't go through

A payment that bounced or never went out is common. It is often simple to sort out if you reach your insurer soon.

Why payments fail

Cards expire. Bank accounts close or change numbers. Sometimes a withdrawal date lands a day before a paycheck clears. If you switched banks, your insurer may still have the old account on file.

What usually happens next

Most policies have a grace period after a missed payment. During that time, coverage often stays in force while you catch up. Your contract states how long the grace period lasts, and your insurer can tell you the exact end date.

If the grace period ends and the payment is still unpaid, the policy may lapse. Our guide on lapse and cancellation letters explains what that can mean.

Sorting out the payment with your insurer

Call the number on your statement, or log in to your insurer's website. Ask whether they can retry the payment or take a one time payment, and check that the bank account or card on file is current.

Write down the date, the amount, and the name of the person you spoke with. Keep any confirmation number they give you.

If money is tight this month, say so. Some insurers may be able to move your due date or set up a different payment schedule.

This guide gives general information and does not address your own policy. Your contract and your insurer decide what applies to you.