---
title: Understanding Mechanical Coverage Billing
description: This article explains how mechanical coverage is billed, including how long you make monthly payments, when coverage starts, and what happens after your payments end.
---
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1. [Mechanical Coverage Help Center](https://support.tint.ai/mechanical-coverage)
2. [General](https://support.tint.ai/mechanical-coverage/general)
# Understanding Mechanical Coverage Billing
## Understand how half-term billing works and when your payments and coverage begin and end
#### **Overview**
Mechanical coverage is billed **monthly**, but payments are only made during the **first half of your policy term**.
This means you pay off the full cost of the policy **earlier than the coverage ends**.
During the **second half of your policy**, your coverage stays active **without additional monthly payments**.
This guide explains:
- How monthly billing works
- How long you make payments
- How long your coverage lasts
- What happens after your payments end
#### **How Half-Term Billing Works**
Mechanical coverage uses **half-term billing**.
You make monthly payments for **half of your policy length**, but your coverage lasts for the **entire term**.
### **Example**
| **Coverage Term** | **Payment Period** | **Coverage Without Payments** |
| --- | --- | --- |
| 24 months | Pay monthly for 12 months | Covered for the final 12 months with no payments |
| 36 months | Pay monthly for 18 months | Covered for the final 18 months with no payments |
| 48 months | Pay monthly for 24 months | Covered for the final 24 months with no payments |
After the payment period ends, **your policy remains active for the rest of the coverage term**.
Example timeline:
Month 1–12 → Monthly payments
Month 13–24 → Coverage continues with no payments
#### **Monthly Billing Schedule**
Premiums are billed **at the beginning of each month**.
Billing follows a **monthly billing cycle**, not the exact date you purchased coverage. The first and last payments **may be** prorated based on your purchase date.
Example:
- Policy purchased: March 15
- Your first payment is prorated based on your purchase date.
- First billing cycle: April 1
- Future payments: The **first day of each month**
- Your last payment may also be prorated to reflect the remaining balance.
**When Coverage Begins**
Coverage does not start immediately after purchase.
Most policies include a **waiting period**, which ends when both of these criteria are met:
- **30 days after purchase**, and
- **1,000 miles driven**
Once the waiting period ends, the coverage becomes active.
#### **What Happens After Payments End**
Once you finish the required monthly payments:
- Your **policy remains active**
- Your **coverage continues**
- **No additional monthly payments are required**
Coverage continues until the **end of the selected policy term or mileage limit, whichever comes first**.
#### **Important Billing Notes**
⚠️ **Payments end before coverage ends**Monthly payments are only required for **half of the policy term**.
⚠️ **Billing occurs monthly**Premiums are billed at the **beginning of each month**.
⚠️ **Coverage limits**Mechanical damage coverage is limited to **up to the value of the vehicle**.
⚠️ **Policyholder responsibility**The **Turo host listed on the policy** is responsible for premium payments.
#### **Updating Billing Information**
During the policy term, you may update:
- Payment method
- Billing address
Contact support if you need help updating billing details.
#### **Support**
If you need help, our support team is available through the following channels:
**Email:** support@tint.ai
**Phone:** (909) 505-2338
**24/7 Support (AI Agent)**
Our AI Agent is available anytime to:
- Answer questions
- Help with billing or policy details
- Guide you through next steps
- Route your request to the right team
**Human Support Hours**
Monday–Friday, 10:00 AM – 6:00 PM EST
All inquiries start with our AI Agent. If additional help is needed, it will connect you with a human support specialist during business hours or ensure your request is followed up on the next business day.
**Common Questions**
### **Do I have to pay for the entire time I have coverage?**
No. Monthly payments are only required for **half of your policy term**.
You will continue to have coverage **after payments end**, until the policy reaches its expiration date or you have exceeded the mileage limit.
### **What happens if I miss a payment?**
If a payment is missed, the policy may become **delinquent or subject to cancellation** depending on the policy terms.
Contact support if you need help with a payment.
### **Can I cancel my policy?**
Policies may be cancelled:
- **Within 30 days for a full refund** if no claims have been filed
- **After 30 days for a prorated refund**
Contact support if you need help with cancellation.
- [FAQs](https://support.tint.ai/mechanical-coverage/faqs)
- [General](https://support.tint.ai/mechanical-coverage/general)
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