Can I pause my premiums if money is tight?
Some insurers offer payment holidays or temporary support, but many do not, and the rules vary. Contact your insurer before missing a payment. Simply cancelling your direct debit could cause the policy to lapse and leave you without cover. Ask what options are available for your policy.
What a pause might mean
If a payment holiday is offered, check whether you are still covered during it and how missed premiums are repaid.
Alternatives
Reducing cover or changing the payment date can sometimes make premiums manageable without a pause.
Waiver of premium
If you cannot work because of illness, check whether your policy includes waiver of premium.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026