Admin & Payment


Please click on a question below to reveal the answer.

Yes, if you set your start date to today, then your motorcycle insurance cover will start from the moment your payment is accepted.

We will send you a confirmation email once you have completed your online purchase and your payment has been accepted. You will then receive your insurance documents by email or post within two working days.

Confirmation of your insurance policy will be sent to you by email or post within two working days. Your Terms of Business, Statement of Facts, Schedule and Certificate of Insurance will be available to download from this email.

Our policy documents are available to download at any time from www.motorcycledirect.co.uk/my-bike-insurance/policy-documents.php

Your policy can be paid in full immediately (annual payment), or you can use our monthly direct debit facility to spread the cost over the year

Annual payment

You can choose to pay for your insurance in full via debit or credit card.

By Direct Debit

You can choose to pay monthly by Direct Debit credit agreement through our third party premium finance provider, Premium Credit Limited (PCL). Please note: Policyholders under 18 will require permission to set up any Direct Debits under a parent or guardian's name.

PCL are authorised by the Financial Conduct Authority (FCA) to provide finance to customers in respect of insurance premiums.
Email: customer.services@pcl.co.uk
Phone: 0344 736 9836
Post: Premium Credit Ltd, Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB

You will pay a Transaction Fee for each transaction added to your PCL account. You will be told which rate applies to you before you submit your application for credit. This information will also be included in your PCL Welcome Pack.

When you apply to pay by Direct Debit credit agreement, PCL will search public information that credit reference agencies hold about you and use this to assess whether they will lend to you. If they decline your application, they will let you know and inform you of the credit reference agency they used.

The PCL Welcome Pack contains important information about your Direct Debit credit agreement. This includes information about PCL, the terms and costs of the potential finance product and the comparable costs of the financing so you can make an informed decision about whether to proceed. Documents included in the pack are Pre-contract Explanations and your Credit Agreement which will confirm all the details of your Direct Debit credit agreement including the Annual Percentage Rate (APR) so you can compare this with other types of lending.

The APR (Annual Percentage Rate) shows all the credit-related charges that apply to your credit agreement expressed as an annual rate of charge.

If you have chosen to pay for your insurance by Direct Debit, you must register online with PCL and sign your credit agreement.

To register for your online account and to find out how to sign your credit agreement, visit http://www.support.mypremiumcredit.com/

If you do not sign your Direct Debit credit agreement online, PCL will make a £10 charge.