Grace Period Definition and Length
The grace period for National General auto insurance is a set time after the due date during which a missed premium payment will not result in immediate policy cancellation. National General offers a 15‑day grace period for most auto policies. During this time, the policy remains active, allowing the driver to pay the overdue premium without losing coverage.
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What Happens If Payment Is Missed
If the premium is not paid within the 15 days, National General will send a reminder and may issue a notice of cancellation. The policy will then be terminated, and the insured will have no coverage until a new payment is made and the policy is reinstated. Late payments may also lead to higher rates on future renewals.
Exceptions and Variations
Some commercial or specialized auto policies may have a different grace period, often 10 or 30 days, depending on the policy type and underwriting agreement. It is essential to review the specific policy documents or contact a National General representative for accurate information.
How to Avoid Grace Period Issues
Setting up automatic payments or linking the policy to a bank account can prevent missed payments. If a payment is delayed, contacting National General immediately can sometimes extend the grace period or arrange a payment plan, though this is at the insurer's discretion.