Payment & Billing Frequently Asked Questions

To see your current and future billing statements, log in to your online account or call Customer Service at 800-640-2920.

In some cases, payment processing may be delayed because of an issue with your financial institution, the payee information provided, or the policy number entered. Please allow up to 5 business days from your payment date for the payment to appear on your policy.

To help ensure faster processing of future payments, consider making payments through your W Insurance online account. It's quick and easy. You can pay using your bank account and routing number or with a credit card.

To see your payment history, log in to your online account or call Customer Service at 800-640-2920. Please allow 3 business days for receipt and processing of mailed payments.

For your convenience, payments can be made online using your bank account and routing number or a credit or debit card. Please note there is a non-refundable processing fee for all credit or debit card payments. This fee is 2.99% of the payment amount for all California insurance policies (auto, home, condo, renters). Accepted credit cards are Visa, Mastercard, or Discover.

Payments can also be made over the phone 24/7, using our automated phone payment system by calling 833-304-3051.

Check or money orders should be made payable to W Insurance.

For Auto & Property (Home, Renters, Condo) Policies mail payments to:

W Insurance
PO Box 25477
Santa Ana, CA 92799-5477

For Earthquake (CEA) Policies mail payments to:

W Insurance
PO Box 24245
Santa Ana, CA 92799-4245

Please make separate payments for your property and earthquake policies. Since these are separate policies, combining them into one check or money order may delay the payment being posted to the appropriate policy.

Fee Type	Applicable To	Description
Fee Type Installment Fee	Applicable To 2 Pay / 3 Pay	Description $5.00 per installment excluding the down payment
Fee Type Installment Fee	Applicable To Monthly Automated Recurring	Description $1.00 per installment
Fee Type State Mandated Fee	Applicable To California Automobile policies	Description Anti-fraud fee of $0.88 per vehicle
Fee Type Insufficient Fund Fee	Applicable To All policies. All payment plans	Description $25.00 fee charged for payments returned due to insufficient funds
Fee Type Cancellation Fee	Applicable To All policies. All payment plans	Description $50.00 fee charged for new policies cancelled within 60 days of issuance

Please allow up to 5 business days to receive your refund check in the mail. For questions regarding the status of your refund, please contact Customer Service at 800-640-2920.

Your insurance policy and account number are displayed at the top of your billing invoice and your insurance policy documents.

To update a bank account that is saved in your wallet, please log in to your online account. At this time, if you need to update the bank account used for your Monthly Automated Recurring payments, please contact Customer Service at 800-640-2920 during business hours.

You are still able to make a payment online for your cancelled policy, but we encourage you to call us to make sure you are covered as soon as possible. For help with a cancelled policy, call Customer Service at 800-640-2920.

If you received a Property Policy Mortgagee Notice (Insured Copy), an invoice has been sent to the mortgage company listed on that document. For your convenience, you can review your billing documents by logging in to your online account. If you need to make changes to your mortgage company, please call Customer Service at 800-640-2920.

Debit or credit cards are currently not accepted for the monthly automated recurring payment plan.

If you’d like to change the date that your monthly payments are withdrawn from your bank account, simply call us at 800-640-2920. Our agents are available Monday to Friday 7:30 am - 7:30 pm PT and Saturday 8:00 am - 4:30 pm PT.

Your payment plan will be changed from the monthly automated recurring option to the two or three payment plan for any one of the following reasons:

• Two payments are returned by your bank for any reason within the same 6-month term
• Three payments are returned by your bank for any reason within the same 12-month term
• One payment has been returned by your bank as unauthorized during the policy term

Payments can only be cancelled if they are scheduled for a future withdrawal date and the cancellation is requested by the day prior to this scheduled withdrawal. Qualifying payments can be cancelled through your online account or by calling Customer Service at 800-640-2920.

Please note, one-time credit card payments can only be voided on the same day they are submitted.

All your policies can be linked through your online account where you can view your billing information and make a payment for each policy. At this time, you may only schedule one payment at a time per policy.

Payments made through your online account or over the phone will be immediately visible on your policy. If you mailed in a payment using a third-party service, please allow up to 5 business days for the payment to be reflected on your policy.

If you are renewing a policy, your payment must be received before 12:01 am on the policy effective date. For policies pending cancellation, your payment must be received before 12:01 am on the pending cancellation date to avoid a lapse in coverage.

Yes. W Insurance uses several methods to make sure your information is safe. We use a Secure Sockets Layer (SSL), encryption, and automatically sign you out if you are inactive for longer than 30 minutes.