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MAIP Billing and Payments

The insured’s account number is required for all billing transactions. This number begins with an N and can be found on the policyholder’s billing statement.

We encourage agents to direct insureds to Amica.com to view their billing and policy information and to make online payments.

  • Checks
  • Money orders
  • Electronic funds transfer (EFT) from checking or savings accounts
  • Visa, MasterCard, Discover and American Express credit and debit cards

Checks and money orders should be made payable to Amica Mutual Insurance Company.

Paying by check authorizes Amica to send the customer’s payment information electronically to his/her financial institution. The check amount may be deducted from his/her account on the day we receive the payment. The customer will not receive the check back from the financial institution. If we cannot process the check electronically, we may provide the financial institution with a copy of the check for payment.

Amica branches cannot take payments for MAIP or producer policies.

Insureds or agents may call 866-688-6247 Monday through Friday between 8 a.m. and 5 p.m. to make a payment over the phone. EFT and credit and debit card payments are accepted over the phone. No additional fees apply to these transactions.   

MAIP insureds can log into their account at Amica.com to enroll in AutoPay with a checking or savings account or credit card. They can also use an automatic electronic payment service through their financial institution.

Amica offers a 10-month billing cycle, including the deposit, as required by MAIP rules.

A $6 service fee is charged for every installment after the first bill, on policies effective prior to 08/01/2015. This fee is $8 on policies effective 08/01/2015 and later.

Amica bills are issued 20 days prior to the due date. If we do not receive payment within 10 days after the installment due date, that installment is considered delinquent and the amount will be included with the next installment bill. The entire amount due (past due installment, plus current installment) should be paid to maintain a positive account standing and to take advantage of the full number of installment payments offered during the policy period.

Failure to pay the minimum amount due each installment period may result in a large premium payment due at the end of the policy period. Premium installment plans may not be extended beyond the current policy period.

For policies not paid through a finance company, if a policy change results in a premium adjustment, the prorated increase or decrease in premium is applied evenly across the remaining unissued installments. Unless it is the final installment, these changes do not adjust the minimum amount due on the current issued installment.

If payment is not received by Amica or we are not notified by the agent that they have received a payment by the 30th day after the bill due date, the policy falls into cancellation status and is assessed a nonrefundable cancellation fee.

Cancellation notices are mailed to the insured’s residential address and mailing address, if applicable. A copy of the cancellation notice is also sent to the agent. The date of cancellation is indicated on the cancellation notice.

Payments for cancellation installments will be accepted no later than 5 p.m. on the date of cancellation indicated on the notice. If the cancellation payment is not made to Amica or the agent by this time, the policy is cancelled. Amica does not reinstate policies after the cancellation date.

In order to ensure proper handling, an agent in receipt of a payment for a policy in cancellation status should contact Amica immediately to stop the cancellation process.

Policies effective prior to 08/01/2015:

  • A $6 service fee is charged for every installment after the first bill.
  • A $25 return item fee is charged for each payment that is returned as unpayable from the bank for any reason. This fee will be added to the minimum amount due of the next installment.
  • A $25 non-refundable cancellation fee will be assessed any time the policy falls into cancellation status. This fee will be added to the minimum amount due of the next installment.
  • There is no additional fee for payments made over the phone or online.

Policies effective 08/01/2015 and later:

  • An $8 service fee is charged for every installment after the first bill.
  • A $29 return item fee is charged for each payment that is returned as unpayable from the bank for any reason. This fee will be added to the minimum amount due of the next installment.
  • A $29 non-refundable cancellation fee will be assessed any time the policy falls into cancellation status. This fee will be added to the minimum amount due of the next installment.
  • There is no additional fee for payments made over the phone or online.

For policies paid through a finance company, the entire premium amount is payable at the start of the policy. If a change is made to the policy that results in an additional premium, arrangements should be made to finance this amount. If additional premiums are not financed, the insured will be billed directly by Amica for the entire additional premium.

We suggest you print this page for each applicant assigned to Amica to use as a reference.