Where to send your National General Insurance payment
National General Insurance accepts payments through three main channels: online through their website, by phone, or by mail. The fastest route is their online payment portal, where you can pay when ready using a bank account or debit card. If you prefer to speak with someone, you can call their customer service line and make a payment over the phone with the same payment methods.
For mailed payments, you'll send a check to the address listed on your bill or policy documents. Mail payments take longer to process — typically 7 to 10 business days from the time National General receives it — so if your due date is approaching, mail is the riskiest option. Keep a record of when you mail the payment in case there's a delay.
Key Takeaways
- Online payment through National General's website is the fastest method and shows as posted to your account within one business day.
- Phone payments work when ready but require you to have your policy number and a bank account or debit card ready.
- Mailed checks take 7 to 10 business days to process, so plan ahead if you choose this method.
- Your payment due date is shown on your bill, and paying late can result in a lapse in coverage or a reinstatement fee.
Paying online through the National General website
Go to National General's website and look for a "Make a Payment" or "Pay My Bill" link, usually found in the top navigation or under an account login section. You'll need to log in with your policy number and either your date of birth or the email address associated with your account. If you don't have an online account yet, you can create one using your policy number and personal information.
Once logged in, select the policy you want to pay and enter the amount. You can pay the full premium, a partial amount, or set up automatic recurring payments. National General accepts payments from a checking or savings account (which typically has no fee) or a debit card (which may carry a small processing fee). After you submit, you'll receive a confirmation number — save this for your records.
Paying by phone
Call National General's customer service number, which is listed on your policy documents and bill. Have your policy number ready, along with your bank account or debit card information. A representative will walk you through the payment process and confirm the amount before charging your account.
Phone payments are processed when ready, and you'll receive a confirmation number at the end of the call. This method works well if you have questions about your bill or need to discuss payment options, but it does require you to speak with someone during business hours.
Paying by mail
Write a check for the amount due and include it with the payment coupon from your bill. The coupon shows the correct mailing address and your account number, which helps National General match the payment to your policy. Mail the envelope at least two weeks before your due date to account for postal delays.
Do not mail cash. If you're concerned about whether your payment arrived, you can call National General after 10 business days and ask them to confirm receipt. Keep a copy of the check or a photo of it for your records.
What happens if you miss a payment
If your payment doesn't arrive by the due date shown on your bill, National General will typically send you a notice. Most policies have a grace period — usually 10 days — during which your coverage remains active even though the payment is late. After the grace period ends, your policy may lapse, meaning your coverage stops.
If your policy lapses, you'll need to contact National General to reinstate it. Reinstatement may involve paying the overdue amount plus a reinstatement fee, and there may be a waiting period before coverage resumes. To avoid this, pay as soon as you receive your bill, or set up automatic payments so you don't have to remember the due date.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Through National General's website or by phone, you can authorize them to withdraw your premium from your bank account on a set schedule — usually monthly or every other month, depending on your policy. You choose the date and amount, and the payment happens without you having to do anything.
You can change or cancel automatic payments at any time by logging into your account or calling customer service. If you set up automatic payments and your bank account changes, update your payment method in your account to avoid a failed payment.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Online payments typically post within one business day. If you pay before 11:59 p.m. on a weekday, it usually shows the next business day. Payments made on weekends or holidays may take until the following business day to process.
Can I pay a partial amount toward my premium?
Yes, National General allows partial payments. However, your full premium is still due by the due date to keep your coverage active. If you can only pay part of the amount, contact them to discuss a payment plan or other options before your due date passes.
What if I paid online but my payment hasn't shown up yet?
Check your confirmation number and the date you submitted the payment. If it's been more than one business day, log into your account to see if it's posted. If you still don't see it, call customer service with your confirmation number and they can look it up in their system.
Is there a fee for paying by debit card?
National General may charge a small processing fee for debit card payments, though bank account payments typically have no fee. The fee, if any, will be shown before you confirm the payment, so you'll know the total amount being charged.
Can I pay someone else's National General policy?
You can make a payment toward a policy if you have the policy number and know the due date, but National General may require authorization from the policy holder for security reasons. Call them to ask about their process for third-party payments.