With Zurich’s Reinstatement Clause, if you are unable to pay your premiums, you can reinstate your policy within three months of the date your first unpaid premium was due. This means that you can ensure that you remain on cover, and you will not be asked any medical questions, provided that you did not instruct us to cancel your cover. When you reinstate your policy, you will need to pay the premiums you missed.
If you miss your first premium from May 2020, you will be able to repay your outstanding premiums, with two options – either to pay as a lump sum in one go – or to spread your payments out over the next 12 months. You can inform us of which option you want to take by filling out a simple form and sending it in to Zurich. We will be making this form available to customers on our website in the coming days.