How to pay your National General Insurance bill
National General Insurance lets you pay your bill online through their website, by phone, by mail, or through automatic bank transfers. The fastest way is online — you can pay in minutes without calling anyone. If you prefer to mail a check or set up automatic payments, those options are also available and take a few business days to process.
You'll need your policy number to make a payment, which appears on your bill or policy documents. National General accepts payments for auto insurance, home insurance, and other policies they underwrite. The payment methods available may vary slightly depending on which type of policy you hold.
Key Takeaways
- Online payment through National General's website is the fastest option and processes when ready when you pay.
- You can set up automatic monthly payments from your bank account so you don't have to remember to pay each month.
- Phone payments and mailed checks are also accepted, though they take longer to process than online payment.
- Your policy number is required for any payment method, and you should keep a record of your payment confirmation.
Paying online through the National General website
Go to the National General Insurance website and look for a "Pay My Bill" or "Make a Payment" link, usually found in the top navigation or under your account section. You'll log in with your username and password, or create an account if you don't have one yet. Once logged in, your policy and current balance should appear on your dashboard.
Select the policy you want to pay and enter the amount you wish to pay. National General will ask you to choose a payment method — either a debit card, credit card, or bank account. Enter your payment information and review the details before confirming. You'll receive a confirmation number when ready, and the payment typically posts to your account within one business day.
Keep your confirmation number for your records. If you need to dispute a payment or verify it went through, you'll reference this number when you contact National General's customer service.
Setting up automatic payments from your bank account
Automatic payments remove the need to remember your due date each month. Log into your National General account online and look for an "Autopay" or "Automatic Payment" option, usually in the billing or account settings section. Select the bank account you want payments drawn from and choose your payment date — most people pick a date shortly after they receive their paycheck.
National General will verify your bank account information, which may take one to two business days. Once verified, your payment will be withdrawn automatically each month on the date you selected. You can change or stop automatic payments anytime through your online account, though you should do this before your next scheduled payment date to avoid a charge.
Automatic payments are deducted from your checking account, so make sure you have sufficient funds available on your payment date. If a payment fails due to insufficient funds, National General may charge a fee and your policy could lapse if you don't pay within the grace period.
Paying by phone
Call National General's customer service number, which is listed on your bill and on their website. Have your policy number ready when you call. A representative will pull up your account and tell you your current balance and due date.
You can pay by debit card or credit card over the phone. The representative will ask for your card number, expiration date, and CVV (the three-digit security code on the back). The payment is processed when ready, and you'll receive a confirmation number to keep for your records.
Phone payments are convenient if you prefer speaking to someone, but they may take slightly longer than paying online. If you call outside business hours, you may reach an automated system that allows you to enter your payment information without speaking to a representative.
Paying by mail
Write a check or money order payable to National General Insurance and include your policy number on the check. Mail it to the address listed on your bill — this address is specific to payments and differs from the general mailing address. Do not send cash through the mail.
Mailed payments typically take five to ten business days to arrive and be processed, depending on mail delivery times and National General's processing schedule. If your payment is due soon, mailing a check risks your payment arriving late. For time-sensitive payments, use online payment or call to pay by phone instead.
Keep a copy of your check or a photo of the front and back for your records. If you need proof of payment, you can reference the check number and mailing date.
What to do if you can't pay on time
If you know you'll miss your due date, contact National General as soon as possible. Most insurance policies include a grace period — usually 10 to 30 days after the due date — during which you can pay without your policy being cancelled. The exact grace period depends on your state and policy type, so ask when you call.
Paying during the grace period keeps your coverage active and avoids a lapse. If your policy does lapse because payment wasn't received, you may face a reinstatement fee or have to reapply for coverage. Some states also allow insurance companies to deny claims for incidents that occurred while the policy was lapsed.
If you're having ongoing difficulty making payments, ask National General about payment plans or whether you might be may be able to access for a discount that would lower your premium.
Confirming your payment went through
After you make a payment, log back into your National General account within one to two business days to confirm the payment posted. Your account dashboard should show the payment amount, date received, and your new balance. If you paid by phone or mail, you can also call customer service to verify the payment was received.
Keep your confirmation number, receipt, or check number until you see the payment reflected in your account. If a payment doesn't appear after the expected timeframe, contact National General when ready to investigate. Occasionally payments are delayed due to processing errors or incorrect account information.
Frequently Asked Questions
Can I pay my National General bill with a credit card online?
Yes, National General accepts credit cards for online payments through their website. You can also pay by credit card over the phone. Some credit card companies may charge a cash advance fee for insurance payments, so check with your card issuer first if you're concerned about fees.
What happens if my automatic payment fails?
If your bank account doesn't have sufficient funds, the automatic payment will fail and National General will likely attempt to collect the payment again. You may be charged a failed payment fee. Contact National General when ready to make a manual payment and prevent your policy from lapsing during the grace period.
How long does it take for a mailed check to be processed?
Mailed checks typically take five to ten business days to arrive and be processed. Mail delivery times vary by location. If your due date is approaching, use online payment or phone payment instead to may support your payment is received on time.
Can I pay someone else's National General bill?
You can make a payment toward a policy if you have the policy number, but National General may require authorization from the policy holder for security reasons. Call their customer service line to discuss your situation — they can tell you what information or documentation is needed.
Is there a fee for paying my National General bill online?
National General does not charge a fee for online payments made through their website. Some payment methods, like paying by credit card, may incur processing fees depending on your card issuer, but the insurance company itself does not add a surcharge for online payments.