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Improve your cash flow

By using the Premium Credit plan to pay insurance premium, you avoid having to make lump-sum payments.

This preservation of capital gives you greater control of your cash flow, preserves credit lines and improves your balance sheet.

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Consolidate your repayments

Multiple policies can be placed on one finance arrangement providing a single payment plan.

Likewise, multiple insurers can be accommodated in the same way.

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Avoid rate increases

Your annual percentage rate stays the same for the duration of the premium finance plan.

The premium on monthly policies or monthly payments to insurers can go up at anytime without prior notice.

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What this is

Premium Credit is a product designed to assist the ensuring public to pay their annual premium upfront without the burden of having to make huge lump-sum payments. In this way, one can have insurance cover in place, and the luxury of making structured affordable monthly payments without incurring cash flow difficulties.

Remember, you will only receive messages for transactions on accounts that belong to you. If you access an account via a link or mandate, this service will not apply.

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Your relationship with the insured

We have the authority to cancel the financed insurance policy in the event that the insured defaults in making scheduled payments.

This is the beauty of Premium Credit that the security is the unexpired premium that can be claimed back in the event of non-payment by the insured.

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Your payments options

Premium Credit offers an option to repay the loan advanced in monthly installments over a period of 10 to 12 months.

The method of payment is strictly by debit order. You pay back a monthly fixed premium, convenientlydeducted via direct debit.

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Your relationship with the insured

The policy can be reinstated where the insurer has not yet refunded the unexpired premium to you, otherwise we will enter into a new agreement.

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Qualifying criteria

Backed by the financial strength of First National Bank Botswana Limited, Insurance Premium Financing is available to the insuring public and not only to existing clients of the bank.

Premium Credit

Premium Credit offers you the luxury of making structured, affordable monthly payments without incurring cash flow difficulties.

What this is

Structured + affordable payments

Premium Credit is a product designed to assist the ensuring public to pay their annual premium upfront without the burden of having to make huge lump-sum payments.

What's hot

No lump-sum payments

Improve your cash flow

By using the Premium Credit plan to pay your insurance premium, you avoid having to make lump-sum payments.

Read More

Consolidate your repayments

Multiple policies can be placed on one finance arrangement providing a single payment plan.

Read More

Avoid rate increases

Your annual percentage rate stays the same for the duration of the premium finance plan.

Read More

How it works

Reinstating the policy
Your payments options
Reinstating the policy

Getting it made easy

Get in touch
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Qualifying criteria

First National Bank of Botswana Limited - Registration number BW00000790476.