One-Time Payments
1.What is my security code?
Your security code is a 4-digit number that you can use with your policy number to make a one-time payment. The 4-digit security code can be found in the lower left-hand corner of your paper bill or upper right-hand corner of any policy document near your agent’s name. Our legacy 7-digit or 8-digit security code can only be used in the One-Time Payment Login section after clicking 'Make A Payment' on the main page of our company website.
2.What debit/credit cards do you accept?
We accept debit/credit cards that have the Visa ®, Mastercard ® or Discover ® logo.
3.Can I make an electronic payment with a checking/savings account?
Yes - you can process a payment using your checking or savings account. Electronic payments cannot be processed using the banking information listed on a money order, bill pay check or check from your escrow account.
4.Is there a convenience fee charged when making a debit/credit card payment?
No, we do not charge a convenience fee when you make a debit/credit card or checking/savings account payment on our website.
5.When do I receive credit for making my payment?
You receive credit for your payment the day it is processed, but we will apply your payment to your policy on the next business day.
6.Can I pay multiple policies at one time?
Yes - click on the Make A Payment link on our website, select Customer Portal login. Next, click Pay Now under the Make One-Time Payment section. After entering your first policy number and 4-digit security code, click the option "Pay Another Account".
7.Can a refund be credited to the payment method used?
No - refunds will be returned in the form of a paper check to the named insured on the policy.
8.Are there any fees assessed if my payment is returned by my financial institution?
In accordance with the fee disclosure endorsement included in your policy, certain fees may be assessed. If your payment is returned for any reason, we will charge a $20 fee for each returned payment. If a cancellation notice is issued as a result of the returned payment, an additional $15 fee will be charged. Please note your financial institution may also charge fees for returned payments.
9.Do you offer an automated phone service that I can use to pay my bill?
If you'd like to make a payment over the phone please call 1-866-764-0911 to use our automated IVR system 24/7.
Customer Portal
1.Is signing up for a Customer Portal account free?
Yes! Signing up for a Customer Portal account is free and easy. After logging onto www.enia.com, click Make A Payment, then select the Customer Portal link at the bottom of the page, from there, click on the Register Now link under the Login section.
2.What enhancements will I have access to?
With a Customer Portal account, you will have access to the following billing and policy features:
- AutoPay using a debit/credit card or checking/savings account
- Paperless billing
- View policy documents with My Docs
- Pay multiple policies with one payment method
3.Can I add one or more policies to my Customer Portal account?
Yes, you can add all of your Erie and Niagara or Cherry Valley policies to your Customer Portal account. Click on the Accounts page and select Add Account. Follow the screen prompts to quickly and easily add your policy.
4.Do I need a Customer Portal account to sign up for AutoPay?
Yes! Our AutoPay billing option is now controlled by you. Through the security of your Customer Portal login, you can now manage your AutoPay. You have the ability to enroll, select your preferred payment plan, update the payment method or de-enrollment. For the security of your financial information, we no longer accept enrollments, changes or de-enrollment through a written or verbal request.
If you wish to cancel your upcoming AutoPay withdrawal, please contact us at 1-800-234-9876 M-F 8:30am-4:30pm ET three business days before the due date of the bill to ensure we can help you
5.How do I go paperless?
You need to register for a Customer Portal account. Once you’ve added your policy to your Customer Portal, click on the Accounts page, then click on the toggle button labeled Paperless. The toggle button will turn green confirming your next billing notification will be sent to the email address associated with the Customer Portal account. Only one email address can receive an e-Bill notification.
6.What if I forgot my password?
If you have forgotten your password to your Customer Portal account, please click on the Forgot Password link and follow the on screen prompts. The link is located in the Customer Portal Login section of the Make A Payment button on our website, www.enia.com.
AutoPay
1.What are the advantages of AutoPay?
- It’s convenient (saving you time and postage), secure, and safe
- Your payment is always on time (even if you’re out of town), eliminating late charges
and avoiding the possibility of the cancellation of your policy for a missed payment
- Available on all lines of business and
all payment plans (1-Pay, 2-Pay, 4-Pay, 8-Pay and
AutoPay only 12-Pay plan
- It’s a FREE service
- Cherry Valley Cooperative Insurance Company policies are not eligible for AutoPay
2.Are there any service charges or installment fees associated with AutoPay?
No. AutoPay is a FREE service! There are no service charges for being an AutoPay customer, and we are waiving
the $5 installment fee assessed on our non-AutoPay pay plans. However, in accordance with the fee disclosure
endorsement included in your policy, certain fees, i.e., $20 returned payment (NSF) fee(s) and/or $15 cancellation
fee(s), may be assessed in certain circumstances.
3.Is AutoPay a secure way to pay my bill?
Yes. We are required to keep your debit/credit card or banking information confidential.
Your payment data is sent to your financial institution in a secure manner.
4.What bank account(s) can I use to pay my bill?
You may use either your checking or savings account from your bank to pay your bill
via AutoPay.
5.What types of policies and payment plans are eligible to participate in AutoPay?
AutoPay is available on ALL personal and commercial lines of business and available for all current payment plans (1-Pay, 2-Pay, 4-Pay, 8-Pay).
We now offer a 12-Pay payment option for policies enrolled in AutoPay.
Cherry Valley Cooperative Insurance Company policies, including Umbrella policies, are not eligible for AutoPay.
6.How do I enroll in AutoPay?
- Please go to ENIA’s home page at www.enia.com and click on the "Make a Payment" button. Next click on the Customer Portal login at the bottom of the page.
- For new Customer Portal account users, view this step-by-step guide
- For existing Customer Portal account users, view this step-by-step guide
7.Can I enroll in AutoPay anytime or do I have to wait until my policy renews?
You can enroll in AutoPay at the onset of your new policy or at any time during your existing policy period.
8.What will I receive once I am enrolled in AutoPay?
Once you’ve completed enrollment in AutoPay in your Customer Portal account, you will be presented a confirmation screen. An email confirmation will also be sent to the email address on file. A policy document confirming your enrollment will be sent via U.S. mail confirming your enrollment, pay plan selection and estimated AutoPay payment schedule.
In addition, you will receive a billing notification approximately 20 calendar days in advance of each scheduled payment withdrawal date. You have the option to receive your billing notifications in either paper form sent via U.S. mail or sent electronically to the email address provided during enrollment.
9.Can my agent enroll me in AutoPay?
No. In order to enroll in AutoPay, you need to set up a personal Customer Portal account. You will be able to self-manage your AutoPay once an account has been created and you’ve added your policy.
10.If I don’t have an email address, can I still sign up for AutoPay?
No. A valid email address is required to sign up for a Customer Portal account. AutoPay is only offered when a Customer Portal account has been registered.
11.Will I still receive an invoice from ENIA when enrolled in AutoPay?
Yes. You have the option of receiving billing notifications via email if you’re signed up for paperless billing or in traditional paper format sent via U.S. mail. The bill will indicate the amount of your payment and the date on which it will be paid using the payment method assigned.
12.What if I need to make a change to my AutoPay payment method?
Once enrolled in AutoPay, if you need to make a change to your payment method used with your policy’s AutoPay account, please log into your Customer Portal account. Click on the AutoPay link on the left-hand side of the screen. Select ‘Payment Details Edit’ for your policy’s AutoPay account. Follow the on screen prompts and click Confirm. You will receive an email confirmation as well as an on screen confirmation that your payment method has successfully been changed.
13.What if I need to cancel a scheduled payment?
If you need to cancel any scheduled AutoPay payments, you may do so by calling our Accounting Department at 1-800-234-9876 at least 3 business days prior to the scheduled withdrawal date to ensure your payment is not processed by AutoPay.
14.What if a payment is returned by my financial institution?
If your payment is dishonored or returned by your financial institution, we reserve the right to discontinue your participation in AutoPay, without notice.
You will receive a non-pay cancellation notice via U.S. mail indicating your policy may be cancelled if the amount past due is not paid by the date specified on the cancellation notice.
In order to avoid your policy being cancelled, you are responsible for making alternative payment arrangements for payments due after any termination, cancellation or suspension of a scheduled AutoPay payment.
15.Are there any fees assessed if my payment is returned by my financial institution?
In accordance with the fee disclosure endorsement included in your policy, certain fees may be assessed. If your payment is returned for any reason, we will charge a $20 fee for each returned payment.
If a cancellation notice is issued as a result of the returned payment, an additional $15 fee will be charged. Please note your financial institution may also charge fees for returned payments.
16.How do I stop my participation in AutoPay?
If you wish to de-enroll in AutoPay and discontinue your future automatic payment withdrawals, you will need to log into your Customer Portal account. From the Accounts screen, find your policy and click on the green toggle button under the AutoPay section. You will need to confirm your de-enrollment. You will receive an email notification as well as a policy document confirming your de-enrollment from AutoPay.