---
title: What happens if my payment fails or I have past-due premiums?
description: Tint has the right to cancel coverage at any point when there is an outstanding premium balance that has not been paid.
---
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August 24, 2026
# What happens if my payment fails or I have past-due premiums?
If your payment fails, **we will retry the payment method on file.** Your coverage remains active during the initial retry period. However, **if the balance remains unpaid, your portal access may be restricted, your coverage may be interrupted, and your policy may eventually be cancelled.**
### How does monthly billing work?
- On the first business day of each month, we email you a notice with the amount due.
- We charge the payment method on file the following day.
- You can update your policy through the last day of the month.
- Your premium is based on your policy as of the last day of the month being billed. This includes your vehicles, coverage selections, and telematics connection status.
### What happens if my payment fails?
If we cannot process your payment:
- We will automatically retry the payment method on file over the following days. You do not need to request a retry.
- We will email you about the past-due balance and notify you before your policy is cancelled.
- You will not be able to add vehicles or change your coverage until the outstanding balance is paid.
### What happens if my balance remains unpaid?
If your balance remains unpaid, your coverage will be interrupted and access to your policy features in the portal will be restricted.
To restore your coverage:
1. Sign the [Statement of No Loss](https://paperform.co/edit/statement-noloss), confirming that nothing happened to your vehicles during the unpaid period that you have not already reported to us.
2. Pay the full outstanding balance.
Once the statement has been signed and the payment is successful, your coverage and full portal access will be restored.
**A claim may be denied if the incident occurred while your balance was unpaid** and your vehicles were not covered.
### What happens if I do not pay by the end of the month?
If the balance is still unpaid at the end of the month:
- Your policy will be cancelled.
- We will report the cancellation to your state DMV. This may affect your vehicle registration.
- Unless you have insurance through another provider, you will have a gap in coverage beginning on the cancellation date.
### Can I reinstate my policy after it is cancelled?
You may reinstate your policy within 60 days of the cancellation date.
To reinstate your policy:
1. Sign the Statement of No Loss in your portal.
2. Pay the invoice created for the reinstatement.
**The invoice is due immediately, and your portal access will remain restricted until the payment is successful.**
After 60 days, your previous policy cannot be reinstated.
**You will need to purchase a new policy, which cannot begin earlier than the date of purchase.** Any time between the cancellation date and the new policy’s effective date will be a gap in coverage from Tint.
### How can I avoid a cancellation?
- Keep a valid payment method on file.
- Update your payment method as soon as your card expires or is replaced.
- Review any overdue notices in your portal promptly.
---
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