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What happens if my payment fails or I have past-due premiums?

Your premium is charged automatically each month. If a payment fails, you keep your coverage for a short window while we retry, but an unpaid balance eventually blocks your portal, stops your coverage, and cancels your policy. 

How monthly billing works

  • Your invoice is created on the 1st of each month and covers that month, so you are paying for the month you are entering.
  • We charge it on the 2nd, using the payment method on file. You get a reminder before the charge and your itemised invoice the day before it.
  • The amount is based on your policy as it stands when the invoice is created: your vehicles, your coverages, and which vehicles have telematics connected.
  • If you add a vehicle mid-month, you are charged straight away for the pro-rated amount of the rest of that month, because the month has already been paid for. Your next invoice then reflects the larger fleet.

If your payment fails

  • We retry the charge automatically using the payment method on file. You do not need to do anything for a retry to happen.
  • You will get emails telling you the balance is overdue, and warning you before your policy is cancelled.
  • While the balance is unpaid, changes to your policy are blocked. You cannot add a vehicle or change coverage until it is paid.
  • Your vehicles are not covered while the balance is open.

To pay from the portal

  1. Click the overdue banner, or open Billing. This takes you to your invoices.
  2. Open the overdue invoice. The banner takes you to the list, not to the payment screen, so this step is easy to miss.
  3. Pay the invoice.

If the payment failed because your card has changed or expired, update your payment method and pay from the portal.

Once you are 16 days past due

  • We send a cancellation notice and block your portal.
  • Before you can pay, you are asked to sign a statement of no loss. It confirms that nothing happened to your vehicles during the unpaid period that you have not already reported to us. The portal shows it automatically at this stage.
  • Once you have signed and the payment goes through, your coverage and your full portal access are restored.

If the form does not load, or you cannot get through it to the payment screen, call us on (909) 505-2338 and we can take the payment and collect the statement another way. Do not leave it unpaid while you wait.

If the balance is still unpaid at the end of the month

  • Your policy is cancelled.
  • We report the cancellation to the state, which is why an unpaid month can affect your registration as well as your coverage.
  • Unless you have insurance elsewhere, you have a gap in coverage.

Getting your policy back after cancellation

  • Within 60 days of the cancellation date, you can reinstate. Sign the statement of no loss, and the portal creates the invoice for the unpaid coverage. That invoice is due immediately, and your portal stays blocked until it is paid.
  • After 60 days, your old policy cannot be reinstated and you would need to buy a new one. A new policy starts no earlier than the day you buy it, so the time between the cancellation and that start date is a period with no coverage from Tint.

How to avoid this

  • Keep a valid payment method on file, and update it as soon as a card expires or is replaced.
  • Open the overdue notice in your portal as soon as you see it. Paying in the first days is the difference between a retry and a cancellation.

Need help?

  • Email: support@tint.ai
  • Phone: (909) 505-2338
  • Human support hours: Monday to Friday, 9:00 AM to 5:00 PM CT
  • AI Agent / Aimee: available 24/7