There are a number of reasons why you may not be offered the option to pay by monthly instalments. For example, it could be due to the cost of the annual premium, or due to one or several of the details you have provided, or it could be because the policyholder is under 18 at the policy start date. If you suspect this is the result of an error, please complete the quote form again, or call Customer Service on 0330 022 0200. Please note that Premium Credit reserve the right to decline any applicant who does not meet their minimum criteria.