What happens if I miss or need to make a late payment?

You have a bit of breathing room here. Your policy has a grace period before your coverage is canceled. We’ll send you a cancellation notice that states the final date we need to receive your payment.

If the payment doesn't clear on your payment due date, auto-pay will try the card on file again, each day, until the payment goes through. As long as the payment clears before the cancellation date and time stated on your cancellation notice, your policy will remain active. We don't charge a late fee.

If the payment isn’t received before the cancellation date, your policy will cancel. If your policy is canceled and you would like to purchase a new one, our Underwriting team will review to determine if you are eligible to purchase a new one.

How can I make a payment during the grace period?

Check your card on file, make sure there are funds available on the card, and reach out to your bank/card issuer, if necessary. If you're still within your grace period, auto-pay will take care of charging your card.

You can update your payment method and new card details at your convenience, go to
policy.hiroad.com. Just a heads up, if the payment still doesn't clear by the end of the grace period, the policy will lapse

Please note: We don’t take payments over the phone.

Am I charged a late fee during the grace period?

We won’t charge a late fee and your policy will stay active for the duration of the grace period. 

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