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      What is the process for cancellations due to non-payment?

      Last Updated 10/16/23

      The process for cancellations due to non-payment is as follows:

      1. The non-pay notices of intent to cancel are sent via our Premium Finance Partners.
      2. They contact the policyholder 10 days after the due date and cancel 21 days after the due date.
      3. The notice of cancel (NOC) is sent to Cover Whale. Since we do not have a grace period, we will cancel the policy and send the NOC to the agent.

      To speed up a reinstatement after a cancellation due to non-pay, the policyholder should pay the finance company using a credit card instead of ACH, as the latter could delay the process.