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Tempcover Help - who is klarna

Help Centre

Klarna Payments

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their payments.


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Am I eligible for Pay later in 30 days?

To use Pay later in 30 days you must be at least 18 years old. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.


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How does Pay later in 30 days work?

Pay later in 30 days is a form of credit that allows you to delay payment of your purchase by 30 days. Once you have purchased the policy, you’ll receive an email with payment instructions within two days from Klarna. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in Klarna app or by logging into www.klarna.com/uk


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Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Tempcover runs credit searches against you that could impact your credit rating.


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Why have I not been offered Pay later in 30 days?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically generated by algorithms that are dependent upon a number of factors including the amount of the policy, and your previous purchase history. Alternatively, you are able to complete your purchase by paying by credit or debit card on the payment page.


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What are my payment options with Klarna?

You can pay with a debit or credit card immediately on the payment page or by using Klarna’s Pay later in 30 days payment option, where you can defer the payment by 30 days using your credit card or debit card. You can always monitor your outstanding payments in the Klarna app.


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What happens if I don’t pay for my insurance policy?

Payment is due 30 days after purchase. To help you pay on time, Klarna will alert you two days before payment is due – you’ll receive a push notification from the Klarna app or email reminders to pay – and, if very late, Klarna will also send you a text or letter, too. You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s Pay later in 30 days product even if you have failed to pay on time. If you fail to pay on time, you will be in default and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf. Debt collection agencies are used as a last resort.


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I have been asked to go to the Klarna site. Is this correct?

If you have chosen to Pay later in 30 days, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card. You are always able to view payments instructions in the Klarna app.


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What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some purchases, you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It’s very important that you give us the correct details, as otherwise, you will not receive the payment information.


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Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Tempcover. All transactions take place via connections secured with the latest industry standard security protocols.


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Can I pay before the due date?

You can pay for your purchase at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email or in the Klarna app to pay for your purchase.


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Have you received my payment?

If you pay by card, Tempcover will confirm your purchase right away. If paying by Pay later in 30 days, Klarna will send you a payment confirmation to the email address that you have used for your purchase. If you have made a payment but have not received the payment confirmation, you can always check the status of your purchase and payments by logging in to the Klarna app or www.klarna.com/uk.


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I have asked for a refund. How will I be refunded?

If the policy has not yet started and Tempcover agrees to refund the policy to you, where you have paid for the policy with a card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will be processed back to that same card and the statement will be cancelled.


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I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your purchases and payment schedule information.


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I still have questions regarding Klarna payment, how can I get in touch?

For more information, please visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.


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