FAQS
Click a question to read the answer (expand all).
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How does the finance process work?
- Agents should receive a finance contract along with the premium quote. If financing is desired, the insured and agent need to sign and date the finance agreement and return it to the wholesaler along with an agency check for the down payment. We will accept the contract and fund the remainder of the policy premium to the wholesaler or carrier. The insured will be notified that the premium finance agreement has been accepted and they will also receive a coupon book with payment instructions.
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How do I reset my log-in information?
- If you forgot your username or password click here to reset your log-in.
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What is the minimum amount that I can finance?
- The minimum amount that can be financed is $250.
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Can an endorsement or additional policy be added to my current finance agreement?
- Endorsements and additional policies can be added to a current finance contract depending on the amount of the additional premium and number of months remaining on the original installment plan. If the endorsement or additional policy do not meet the criteria to be added to the current agreement an add-on contract will need to be signed and an additional down payment collected.
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How can I make my down payment?
- Down payments should be paid to the agent and the agent should subsequently issue a check to the wholesaler for the down payment. We will accept an insured’s check for the down payment however we will not release any funding until the check clears. Down payments can also be made by credit card. Call us at 1-855-442-8063 if you want to make your down payment via credit card. Please be aware that a service fee will be added by our merchant service provider for paying with a credit card.
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How can I make my installment payments?
- We offer several payment methods. Checks should be mailed to:
Highland Premium Finance Corporation
P.O. Box 645769
Pittsburgh, PA 15264-5255
If you do not want to mail a check, you can pay by electronic check or credit card by logging into your account and clicking the “Make a Payment” option. You will then be prompted for the payment information. You can also set-up automatic electronic check payments that will be directly debited from your account each month. We can also set up automatic payments for you by completing This Form and sending it to us. This will ensure that your payments are made on time and you will not incur any late fees. Please note that credit card payments are assessed an additional processing fee of 3.25% of the payment amount by our card processor, ePay. We also have an automated phone system that can accept electronic check and credit card payments. Please note that a convenience fee is assessed on all phone payments; $3.00 flat fee for check by phone payments and credit card phone payments are assessed the same 3.25%.
- We offer several payment methods. Checks should be mailed to:
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Can I payoff my loan early?
- Yes, loans can be paid off early at any time using any of our available payment methods. A refund of unearned finance charges will be processed in accordance with state law.
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How can I access my account information?
- Insured and agents have 24 hours access to account information through our website. Click here to log in.
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What if my payment is late?
- There is typically a five (5) grace period before late changes are incurred. If payment is not received within five (5) days of the due date, late charges will be added to your account and the Intent to Cancel Notice will be sent. If payment is still not made after the Intent to Cancel Notice, we will send a Cancellation Notice and subsequently cancel the policy. If you know that your payment is going to be late, or you have mailed your payment after receiving the Intent to Cancel Notice you can email or call us to let us know. We will do our best to work with you to keep your policy in effect.
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How can I reinstate my policy cancelled due to non-payment?
- To reinstate your policy, please pay any outstanding installments and fees. Then, we will issue a Request for Reinstatement to the carrier. Please be aware that we cannot reinstate your policy, only the insurance company has that authority. Your policy is not in force until the insurance company reinstates the cancelled policy. Each insurance company has different reinstatement rules and guidelines.
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Other questions?
- If you have additional questions contact us and we'll do our best to answer them. You can reach us at 1-855-442-8063, by email at premiumhelp@highlandpremium.com or contact us through our website now.