The Direct Debit Guarantee

The Guarantee is offered by all banks and building societies that accept instruction to pay Direct Debits.

If there are any changes to the amount, date or frequency of your Direct Debit, GC re Policy Expert will give you at least 2 working days’ notice in advance of your account being debited or as otherwise agreed.

If you request GC re Policy Expert to collect a payment - confirmation of the amount and date will be given at the time of your request.

If an error is made in the payment of your Direct Debit by GC re Policy Expert or your bank or building society, you’re entitled to a full and immediate refund of the amount paid from your bank or building society.

If you receive a refund you’re not entitled to, you must pay this back when asked to by GC re Policy Expert.

You can cancel a Direct Debit at any time by contacting your bank or building society. Written confirmation may be required. Please also notify GC re Policy Expert.

Payment Terms and Conditions

When you purchase a policy and pay monthly

You’re buying a 12-month insurance policy and have chosen to pay the premium in a number of monthly payments, rather than pay the premium in full at the beginning of your policy. Please note, you are not taking out a credit agreement.

Before you buy your policy, we’ll let you know:

• the monthly premium amount that will be collected from you; and
• the date the premium will be collected each month

Once you’ve bought your policy, we’ll pass your personal information and bank details to our trusted partner GoCardless, who’ll collect these monthly premiums on our behalf. They’ll set up a Direct Debit mandate and collect your premiums on the dates we told you about before you bought your policy. You’ll see these payments on your bank account as either “Policy Expert” or “GC re Policy Expert”.

If the collection date falls over a weekend or an English bank holiday, your premium will be collected on the next working day.

If you don’t pay for your premium

If we can't collect your monthly premium, then we’ll try again after 2 working days. If we can’t collect your premium within 15 days from the monthly due date then your policy will be cancelled, and you’ll no longer have cover for your pet. 

We won’t charge you for any failed payments, but your bank or building society may charge you.