COVID-19 Information

In light of the COVID-19 contagion, we would like to reassure our loyal clients, such as brokers, MGAs and insurers as well as end-customers who are financing their commercial and personal insurance with us, that PremFina is functioning as usual.

PremFina had future proofed its business with an IT-led Business Continuity Plan (BCP) since inception and implemented it in mid-March to cope with the unprecedented public health situation. This included work from home procedures, even before such advice was given by government and health authorities.

All our employees in the UK, Bulgaria, Ireland and Poland have been working from home, using cloud computing, online collaboration and messaging tools as well as mobile and landline phones. This ensures that we conduct our business uninterrupted, while ensuring the safety and well-being of our staff.

As a fintech company, we have been able to replace in-person meetings with video and/or phone conference calls, in order to keep the service level to our clients at the highest standard. We are successfully operating as a decentralised and virtual business and have extended our operating hours to 8:30 AM – 6:00 PM (UK time) to best cater to our customers. Queries can be directed to either our chatbot at the bottom right of this screen, or if preferred, emailed to customers@premfina.com

If you are one of our customers who may be experiencing, or can reasonably expect to experience, temporary financial challenges during the circumstances relating to coronavirus, please see the FAQ’s section of this website for information regarding how we may be able to assist you.

We keep our colleagues constantly informed of the advice from local and national authorities, including those requiring any changes in our procedures. We believe we will continue to deliver our services as usual, despite the evolving crisis.

PremFina firmly believes that keeping sight of the future is necessary and that it is not the water around a ship that sinks it, but the water that gets into it. That’s why we want to reassure our customers and clients that we are well prepared and doing everything possible to continuously deliver the best service.


PremFina empowers brokers by allowing them to maximise control over their customer relationships through providing them with their own-branded premium finance software and financing options.

We support


PremFina SaaS

White-label software to manage insurance policies

PremFina Cash

White-label software to manage insurance policies


Financing to fund payment plans

Earn greater return on your cash by financing insurance policies and using our white-label software

Use our loan facility to extend financing to your customers and white-label software to offer premium finance in-house

Tailored and hybrid packages available. Contact us to discuss your requirements.


PremFina's white-label premium finance software gives you:

Financing Option

Flexible financing options, including no financing required (broker uses own funds), part financing (mix of broker and PremFina financing), or full financing


Brand and control all your customer communications


Take total control of your own business and customers


With PremFina's white label software, brokers gain greater control over their business by dictating what is shared with their customers through customisable communications and making informed decisions through real time access to data.

Plug and Play

    Our solution allows you to easily and cost-effectively plug-and-play onto PremFina's platform


    Our automated system integrates seamlessly with your existing policy administration system


    It's easy to operate and comes with smart and user-friendly features to manage your finance solutions


Bennetts - A Division of Saga

"PremFina gives us control!"

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PremFina gives us control across the entire customer life cycle, which is exactly what we needed to further add value to our customers

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“We couldn’t be happier with our decision to work with PremFina”

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PremFina's support for our business has been excellent! Its partnership approach is truly unique for the industry allowing relationships to evolve from finance provider to platform facilitator- while letting business stakeholders choose the level of participation that meets their needs best. We couldn’t be happier with our decision to work with PremFina today ... and how it will scale with our business in the future.

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PMW Commercial Solutions Ltd

“the most effective finance company to have and work with”

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The team at PremFina are without doubt the most effective finance company to have and work with. Since starting with them, my own company has seen growth that has surpassed my expectations. The ease of the software and the friendliness of the staff at the company is second to none. The whole process is effortless, swift and no messing about. Just what you need for an Insurance broker, when you have clients waiting to go on cover. I have already recommended two of my fellow brokers to head towards the team at PremFina. I would have no hesitation in recommending them to anyone.

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“Premium finance with a difference”

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What a breath of fresh air. It's premium finance with a difference. PremFina listen and they help! PremFina have been a pleasure to deal with. They make the process as easy and as hassle free as possible for all parties. PremFina have restored my confidence in this sector by instilling customer service values into the core of their business. Go PremFina!

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Reactive Insurance

“Level of customer care and training has been exceptional”

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The team and PremFina have been exceptional in implementing a premium finance solution throughout our business, PremFina’s level of customer care and training has been exceptional, making the whole process easy and ensuring we delivered the results we required. PremFina’s premium finance product and system are to a high standard and comprehensive, combining this with their outstanding support this has allowed us to grow faster.

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Larsen Howie

“We’ve took our customer service offering to the next level and gained on our competitors”

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Using PremFina has been a huge advancement for us – by utilising their state of the art technology to integrate directly into our site, and combining it with their excellent, proactive and attentive account management, we’ve took our customer service offering to the next level and gained on our competitors.

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QS Insurance

“a breath of fresh air”

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I decided to give PremFina a try following several years of mediocre service from either one of the existing players in the premium finance market. I have to say that the service has been a breath of fresh air! Personal, attentive and willing to accommodate. The online platform, whilst in its relative early stages, has proved to be the match of my previous facility and they are clearly working to improve this all the time. Indeed the setup process for a new loan could not be easier and quicker then my old supplier.

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One Call

“The only solution offering flexibility, technology and scalability”

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In 2016 One Call recognised a great opportunity to undertake our own premium financing, not only for improving profitability but also in supporting our customers by having no third parties involved. Following detailed research of the market place, PremFina was the only solution offering the flexibility, technology and scalability that One Call felt fitted its requirements. Since commencing our own premium financing in March 2016, PremFina have fully supported us in starting and growing our own premium finance book, generating impressive returns on our capital invested, and improving our overall customer experience through single branding. The system is easy to use and the management information, which has been adapted to our needs, provides excellent detail for monitoring and analysing loans financed. With PremFina’s excellent customer service assisting us, the system has proved to be a great success. We are continuing to expand our own premium finance book as a result and further grow our relationship with PremFina. We would recommend you talk to PremFina and learn more about its offering.

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Lloyds Market – Dive In Awards Gala & Impact Awards 2019

PremFina won the Organisational SME Impact Award conferred by the Lloyd's Market "Dive In Festival" that has grown from its launch in 2015 to become an award-winning global movement embraced by the wider insurance industry.

PremFina Voted as 100 Best InsurTechs in EMEA Region

KleinBlue Ratings 2018

Finance Solutions Provider of the Year & Gamechanger of the Year

ACQ Global Awards 2015

The Europa’s, European Tech Start-Up Awards 2019

PremFina had the honour of being nominated for the "Hottest Fintech Startup in Europe" at The Europa’s: European Tech Start-Up Awards, after intense round of public voting and judges' deliberations.

Insurance Times Tech and Innovation Awards 2017

PremFina were proud to have Nij Saha, Chief Technology Officer accept the'Best Use of Technology for Customer Experience - B2B' Award. The judgespraised PremFina for its seamless and flexible solution, unique to the UK Market.

Startup of the Year

Hot Companies and Best Products Awards 2015

Insurance Business - Women in Insurance Summit

Moira O'Connell, Director of Client Services won the mentor award at the Insurance Business - Woman Awards 2019.

Excellence in Premium Finance Solutions

Corporate LiveWire’s 2016 Finance Awards

Best for Generating Increased Returns for Brokers & Best In-House Premium Finance Facility

Wealth & Money Management Awards 2015

Customer FAQ's

COVID-19 Information

I need assistance due to the ongoing COVID-19 situation, what should I do?

PremFina knows that these times are difficult for everyone and we are here to help. Please find below some information on what to do next if you are experiencing temporary financial challenges due to the Coronavirus circumstances.

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I am experiencing financial difficulty and may not be able to make my monthly direct debit payments. What should I do next?

Emailing is the quickest way to contact us as we are experiencing high call volumes at the current time. Please email us at customers@premfina.com as soon as possible if you are experiencing financial difficulty. Don’t forget to include your agreement number in order for us to locate your file. Please do so at least 5 days ahead of your scheduled payment so that we can work together to find a suitable solution. However, if you should need to contact us, please call on 0203 500 3462.

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I will miss my payment due in the coming days or I have already missed a payment. What should I do next?

If you are about to or have just missed a payment, please do not worry. You will automatically receive a letter from us notifying you of the missed payment and we will attempt to take the payment again, within 5 working days. You can also make a manual payment by following the instructions listed in the letter we have sent you. However, please email us at customers@premfina.com as soon as possible if you are unable to make a manual payment and if you believe this second attempt will remain unsuccessful. We will work together to find a suitable solution. Don't forget to include your agreement number in order for us to locate your file. If you do need to contact us by other means, you can also do so by calling us on 0203 500 3462.

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Do you offer deferral payments?

We understand these are uncertain times and you may be encountering difficulties. If this is the case, please contact your insurance broker to discuss your insurance policy and whether they offer any cover extension, policy freeze, downgrading or some other solution to reduce the insurance premium amount which would reduce your loan and monthly payments in the case your insurance is essential to you. As a last resort, please email us at customers@premfina.com and we will review each situation case by case and advise of what we can offer depending on the terms of your loan with us. Options may include a payment deferral.

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If you have any concerns about your financial position, please visit Citizens Advice where you can find further support.

General Information

Who is PremFina?

PremFina is an insurance premium finance company. We work with insurance brokers and their customers and help spread the cost of insurance premiums through a monthly direct debit arrangement. When your insurance broker arranges your insurance, he will likely offer you a direct debit payment facility. If you accept this payment option, you will enter into a credit agreement with PremFina that is regulated by the Financial Conduct Authority. PremFina will then administer the direct debit arrangement.

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I want to discuss my insurance policy.

PremFina only administers your direct debit payment arrangement. If you need to discuss your insurance policy, you should contact your insurance broker directly.

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I want to make changes to my insurance policy.

PremFina only administers your direct debit payment arrangement. If you want to make changes to your insurance policy, you should contact your insurance broker directly.

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I want to cancel my insurance policy.

Please contact your insurance broker if you want to cancel your insurance policy.

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I want to cancel my credit agreement.

Please contact your insurance broker if you want to cancel your credit agreement with PremFina. Your insurance broker will send us any request to cancel it. We will then arrange cancellation of your credit agreement and notify you. Please note that you can only cancel your credit agreement if you have paid off your loan from us in full or if your insurance policy has been cancelled.

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Why have my monthly direct debit payments changed?

This is most likely due to a change having been made to your insurance policy that has resulted in a change in the premium. The resulting additional premium or return premium will mean a change in your direct debit payment amounts.

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I have received a payment default letter from PremFina. What should I do next?

If you miss a payment, or if your payment was unsuccessful, PremFina will notify you in writing by email or post. We will try to collect the payment by direct debit 9 days from the date of our communication. Should the second collection attempt be unsuccessful, we will require you to make a payment by debit or credit card within the time frame stated in our communication.

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How do I make a missed payment?

You can make this payment by clicking on PAYMENTS in the menu bar at the top of the screen.

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I am struggling to make my monthly direct debit payments. What should I do next?

Please call PremFina on 0203 500 3462 or email us at customers@premfina.com to discuss if you are having difficulty making your monthly direct debit payments. You may also find it helpful to contact the Citizens Advice Bureau for advice: https://www.citizensadvice.org.uk

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Can I change my monthly payment date?

Please call PremFina on 0203 500 3462 or email us at customers@premfina.com with your credit agreement number to hand and we will consider your request. Please note that we cannot amend the date of the first direct debit payment.

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Can I repay the balance of the loan I owe to PremFina in full?

Under the Credit Consumer Act you are entitled to repay sums that you have borrowed early, either in full or in part. If you wish to make an early repayment, please call PremFina on 0203 500 3462 or email us at customers@premfina.com.

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I have changed my bank. What should I do?

You can notify PremFina of your new bank details by calling us on 0203 500 3462 or emailing us at customers@premfina.com

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I want to change my personal details. What should I do?

If your name, address or contact information have changed, then please call PremFina on 0203 500 3462 or email us at customers@premfina.com.

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Do I have to sign a credit agreement?

Yes, you do have to sign your credit agreement. The details of your running account credit agreement with PremFina are contained in your credit agreement. For consumers, this is regulated by the Consumer Credit Act 1974. It is important that you read your credit agreement, together with other information enclosed in your welcome letter. Please sign a copy of your credit agreement and return it to us.

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Can I sign my credit agreement electronically?

Yes. You will receive a welcome letter from PremFina with the steps you need to take to e-sign your credit agreement online.

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I want to make a complaint.

Details of PremFina’s complaints procedure are contained in your credit agreement.

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What fees do you charge?

Details of PremFina’s fees and charges are contained in your credit agreement.

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How will my monthly payments be shown on my bank statement?

The payment will be shown on your bank statement as “FCC re PremFina Ltd”.

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Our Offices

London (Head Office)

Lansdowne House 1st floor

57 Berkeley Square

Mayfair, London

United Kingdom



Alexandra House

The Sweepstakes



D04 C7H2


Warsaw Spire

plac Europejski 1





17 Henrik Ibsen Str.




Contact Us

For further information about PremFina and our services please contact us using the details below: