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Missed a payment

Missed a payment? No worries. Learn how you can get your premiums back on track.

Have sufficient funds in your account

If your direct debit fails due to insufficient funds, we’ll try a ‘catch up’ payment within seven days. Once successful, your payment cycle will return to normal.

Make a one off payment

To cover a missed payment, log in to your member account or use the nib App to make a one-off payment. We won’t be able to process claims until your cover is up to date.

Check out our one off payment guide, opens in a new tab.

Sync payments with your paydays

Schedule your direct debit for the day after payday to ensure your premium is deducted when your funds are available.

Learn how to change the frequency of your payments, opens in a new tab.

How to handle multiple missed payments

If you find yourself behind on payments, don't worry. We understand that circumstances vary, so if you're facing challenges in paying your premium we’ll work with you to find a solution that suits you. Here are some options available to you:

If you’re struggling to pay your premiums due to financial hardship or a declared natural disaster, please get in touch, opens in a new tab with us so we can discuss your options.

Payments troubleshooting

Having payment issues? Check out our guide to help you resolve your payment problems.


Make a one-off payment

Want to get ahead with your premiums? Simplify the payment process by making a one-off payment. This way, you reduce the need for multiple transactions and stay ahead on your payments.


Paying your premium by direct debit

We’re here to make paying for your premiums as easy as possible. Learn how to set up or update your direct debit.