If you do not wish to pay the total cost of your insurance policy upfront, you can spread the cost by paying in smaller regular instalments (with a 20% deposit in the first month). This is handled by a company called Premium Credit Ltd. After you have provided some personal details, they will prepare all the necessary paperwork and post it to you.  This includes confirmation of the loan to pay your fee, the amount of your regular repayments and when they will start and finish. They will also ask you to sign a credit agreement.  Once this is done, Premium Credit will pay the total sum of your premium directly to drive like a girl. Repayments are then collected from you each month by Direct Debit.