What’s the difference between the methods of payment?
If you pay by direct debit the money is automatically taken from the account you have registered. You choose whether you want to pay for your insurance once a month, quarter, half-year or year. The easiest way to register a direct debit and the payment period is via Mina sidor.
If you pay by e-invoice the invoice will be sent to your internet bank electronically. You will then need to authorise each payment before the money is taken from your account. To register payment by e-invoice log in to your bank and select Akademikerförsäkring as the e-invoice supplier. You will then pay per quarter, but you can contact us if you would like a longer payment period. You cannot use both direct debit and e-invoicing. If you register both we will switch to direct debit.
If you pay by bank transfer you will receive your invoices by post. Each printed invoice costs 35 kronor. You choose the payment period by logging in to Mina sidor. You cannot pay per month if you choose a bank transfer invoice.
What should I do if I pay by direct debit and want to cancel my insurance?
You don’t need to do anything. We won’t take any more money from your account after your insurance has been cancelled.
You’ve sent me a quarterly invoice by post but I want to change to e-invoicing or direct debit. Do I have to pay the quarterly invoice?
Yes. But you can still register direct debit or e-invoice on Min profil. We’ll use the new payment method you’ve chosen starting from the next time.
You’ve sent me an invoice but I want to cancel one of my policies. Is it possible for me not to pay one part of the invoice?
No. If you want to cancel a policy or change it in any way you need to contact us. We’ll send you a new invoice for the correct amount.
What happens if I miss a payment?
If you don’t pay your e-invoice or invoice we’ll send you a reminder with a reminder fee of 40 kronor. All reminders are sent by post, which means that even if you pay by e-invoice or direct debit you’ll receive a printed invoice. Your next payment will be deducted via an e-invoice or direct debit as usual.
I want to cancel my insurance. When will you take the final payment?
How long you’ll need to pay for the insurance depends on the insurance agreement. Some policies can be cancelled immediately while others have a longer fixed time.
Non-life insurance can be cancelled on the main due date, unless you no longer need insurance, in which case you can cancel it earlier.
If you want to cancel a personal insurance policy which is paid by direct debit, we will take the final payment three working days before the last day of the month. If we have already taken the money this will be the last payment we take. The direct debit agreement will then be cancelled.
I’ve paid too much. What will happen to the money?
The amount will be credited and deducted from the next payment. If you would prefer us to repay the money you can contact us.
Can I postpone the final payment date?
No. If you don’t pay your invoice you will be sent a reminder. If you don’t pay after you receive the reminder your policy will be cancelled.
Can I choose my payment period?
If you pay by direct debit you will normally pay every month, but you can choose to pay monthly, quarterly, half-yearly or yearly. If you choose to pay by invoice or e-invoice you can choose to pay per quarter, half-year or year. The easiest way to change you payment period is via Min profil.
What does it mean when you say you charge a fee for invoices and reminders?
We charge a fee of 35 kronor for each printed invoice we send and 40 kronor for every reminder. The fee is to cover our administrative costs, as well envelopes, printing and postage. The invoice fee is added to the fee for your insurance. You can change to direct debit at any time.