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Uinsure has a panel of insurers and three of our four insurance panel members do not charge any additional fees to spread your payment across 12 months.
Novae do charge an extra fee to spread payments monthly at a flat rate of 10% (APR 21.41%). This means that you will make 12 payments of £x.xx and you will pay 10% more for your insurance than if you were to pay in a single, annual payment.
Your monthly payment instalment plan will be financed by Close Brothers Limited, trading as Close Brothers Premium Finance and your credit agreement is directly with them. Close Brothers Premium Finance will send you a Welcome Pack by post containing the information you need.
It is very important that you read the pre-contractual information included within your Welcome Pack and take the time to consider all the information carefully. It contains details of the cost of your loan, the payments that you will need to make, the dates on which these will be due as well as the terms and conditions of the loan agreement itself, which is Close Brothers Premium Finance legal contract with you. This information will enable you to make an informed decision about whether or not this is the right product for you. Included in the pack will be two copies of the credit agreement. You will need to sign and return one copy, retaining a copy for your own records.
In order that your insurance is in place and you are completely covered, Close Brothers Premium Finance will begin collection of your monthly payment prior to receipt of your signed agreement. This does not affect your rights to cancel your agreement should you feel the agreement is not suitable for your financial needs once received.