Renewals

How to renew your policy

Renewing your policy


How do I renew my policy?

Renewing with photoGuard is really easy. If you have taken out a policy on or after September 23rd 2019, then three weeks before your renewal date, we'll send you your renewal details which will include:

  • Your renewal premium for the next 12 months.
  • A link to your online account showing your policy schedule where you can check the details of your cover.
  • Access to your policy documentation, including: any policy wordings, notice of change, terms of business and your insurance product information document.
  • A link to your online account which will show you any important changes that have been made to your cover, if any have been made at all.

If you're paying by either credit or debit card, then we'll debit your card with the full renewal premium amount on your renewal date. If you are paying by Direct Debit, then we will continue to collect your payment each month.

It's important that you review your documents, so please read through them carefully to make sure everything is correct and pay attention to any limitations and exclusions. Please inform us if there are any issues with your cover.

If you purchased your policy before September 22nd 2019, then please contact us to renew your policy.

    If you've changed your mind and have decided that you don't want to renew your policy with us, then please call us straight away. You can get in touch with us by either:

    • Phone: 0333 004 6555
    • Our phone lines are open Monday to Friday 8am - 7pm, Saturday 9am - 5pm

    • Email: support@guardcover.co.uk

    Automatic renewals

    Many people find this the easiest way of renewing their insurance. You can pay either by direct debit or we can take future payments from your credit card. We will write to you three weeks before your renewal date to inform you of your premium for the upcoming year. If your details are all the same and you're fine with that, then you don't need to do anything else. Your insurance will renew automatically and you can remain covered.

    Manual renewals

    If you haven't given us permission to take payment from your credit card, or you don't pay for your insurance by direct debit, then we will write to you three weeks before your renewal date to see if you'd like to continue with your cover. We'll include details of your premium for the upcoming year and invite you to renew your policy with us. Unless you get in contact with us, your cover will end on the renewal date and you will no longer be insured. If you'd like to get in touch, or if you'd like to change to an automatic renewal to make things easier, then feel free to call us at any time.

    We're here to help

    If you have any questions relating to your policy or renewing your cover, then please give us a call and speak to one of our friendly members of staff at our in-house contact centre who will be more than happy to help you.

    You can call us on: 0333 004 6555