Billing and Payment FAQ

No. There are no fees to pay your premium online or by phone.

Payments will be posted to your account after the transaction is completed and confirmation is received.

You can use your checking account, credit card (VISA, MasterCard, or Discover), ATM debit card, or electronic check to pay your bill online or by phone.

At SECURA, we provide a seven-day grace period. After seven days the account will cancel.

You can pay your SECURA auto, home, farm, or business policy online.

An electronic check is an electronic transaction that is sent to your bank using your account information and appears on your bank statement as a debit or withdrawal. Because no paper check is produced, you will not receive a canceled check with your statement.

Your policy number is located on the upper right side of your invoice under the account holder’s name.

We take pride in protecting your information and your security. For your own protection, payments made online or by phone must be made by the credit/debit cardholder or checking/savings accountholder. The payer must personally authorize the electronic debit of his or her account.

Your statement is currently not available online.

Mail your payments with an original invoice to:

SECURA Insurance
P.O. Box 776231
Chicago, IL 60677-6231

Mail your payments without an original invoice to:

SECURA Insurance
P.O. Box 819
Appleton, WI 54912-0819

Overnight payments should be mailed to:

SECURA Insurance
1500 Mutual Way
Neenah, WI 54956

*Please include your account number on your check.

Payments must be received by the due date. A late fee will be assessed to payments received after the due date.

Your check will be converted to an electronic funds transfer and may be processed the same day it is received. Therefore, you should be sure you have enough money in your account at the time of the transaction.

When is a check not a check? Understanding electronic check conversion When you visit your insurance agent to make a SECURA premium payment and they process the payment online, they are in essence converting the check to an electronic funds transfer. Later, when you get the bank statement, that check will not look like the other check transactions. Instead, you’ll notice an electronic debit for the amount of the transaction.

Here’s what you need to know about electronic check conversion.

What is electronic check conversion?

• Electronic check conversion is a process in which a check is used as a source of information to obtain the account number and the bank routing number of the financial institution.
• The banking information is used to make a one-time electronic payment from that account — an electronic funds transfer processed through the Federal Reserve.

What are some differences between electronic check conversion and check payment?

• Electronic transactions may process faster than a check — as soon as the same day. Therefore, you should be sure you have enough money in your account at the time of the transaction.
• Financial institutions do not return checks that are converted.
• Consumers have different rights with electronic check conversion than with check payments. For example, in an electronic check conversion, you have the right to an investigation by your financial institution within 60 days of the transaction if an error occurs.

What are the federal laws around electronic check conversion?

• The Electronic Funds Transfer Act and the Federal Reserve Board’s Regulation E require companies to provide notice before using someone’s check to make an electronic payment.
• The original check that was converted must be destroyed within 14 days from the date of the transaction to avoid duplicate processing.
• Under federal law, companies are not required to provide an opportunity to opt out of electronic check conversion, but customers can ask for their checks to not be converted.

If you don’t want the check converted, tell your agent. They can process the payment using a different method such as credit card. If you have any questions about electronic check conversion, please contact your SECURA independent agent.

The due date of a payment is based on the effective date of the policy. You may request a different due date by contacting your SECURA independent agent.

If your policy payments are past due and your policy has been canceled, please contact your SECURA independent agent, or call SECURA’s Customer Care Center at 800-830-9150.

If there is a balance due on your premium, a credit will be applied to reduce the balance. If you have additional questions, please contact your SECURA independent agent or call SECURA’s Customer Care Center at 800-830-9150.

Your payments will be deducted from your bank account no earlier than your invoice due date. You will receive a payment schedule from us listing your premium withdrawal dates and amounts.

To minimize the chance that you’ll forget a scheduled payment date, SurePAY is available only for monthly payments.

Yes. You can select a date between the 1st and 28th of every month to have your payment withdrawn from your bank account. Please submit your request in writing.

Monthly invoices or statements are not sent to you if you are enrolled in SurePAY unless there are any changes that will change your withdrawal amount.

Yes. The minimum installment that we will bill is $10.

If a change to your policy results in an increase or a decrease to your premium. We will mail a new payment schedule to you reflecting the premium change on your next withdrawal.

Our SurePAY authorization only allows deductions, not deposits to your account. We will issue a refund check for a canceled policy and mail it directly to you.

We will only make one attempt to withdraw on the due date.

We will close your SurePAY account at the time of cancellation and mail you an invoice for the premium owed.

We must receive a request from you at least five days before your scheduled payment withdrawal date. Submit your request by using one of the following methods.

• Contact your SECURA independent agent
• Fax your request to SECURA Billing at 920-739-9029
• Email your request to: premiums_receivable_team@secura.net

Visit secura.net to make changes or contact your independent agent.