Frequently Asked Questions | Cincinnati Insurance

Frequently Asked Questions

Account & Policy Information

User ID and Password Help

If you have forgotten your User ID or password, you can request these by visiting Login Help.

If you have forgotten both your User ID and the email address associated with your account, please call Customer Support, 888-242-0888.

How do I access my policy?

Personal Lines Policyholders (auto, home, boat, etc.)

Register or login online to view and print policy documents, including auto ID cards and policy Declaration pages. Directly billed policyholders (those directly billed by Cincinnati) can also view and print billing statements.

Life & Business Policyholders

Please contact your agent.
If you are a life, disability income or annuity policyholder without an agent, please call 800-783-4479.

How do I make a change to my policy such as, adding a vehicle or new driver?

Please contact your agent to make any changes to your policy.

Can I create more than one account for a policy or change my User ID?

No, the system can assign only one User ID per policy and users cannot change their IDs. Your User ID is unique to you and linked with the security of your account.

Does changing my address in the online system change it on my policy?

No, the information provided in the online payment system does not modify your policy. Please contact your agent to change your policy information.

Can I delete my account?

Some operating system developers, such as Google or Apple®, allow mobile application users to request deletion of accounts created within an application. If you request deletion of your account, Cincinnati Insurance may still retain your information for legal, auditing, regulatory and business purposes. Retention periods vary according to specific legal, auditing, regulatory and business needs. A request to delete an account within the mobile application only applies to the credentials and account you created within the application and not to any other accounts you may have with Cincinnati Insurance.

Deleting your account will also remove access to all online services available through cinfin.com. To proceed, please call, 888-242-0888, to allow us to confirm your identity before deleting your account.

Billing

How do I pay my bill?

Policyholders billed directly from Cincinnati Insurance (not their local agency) can register or login online to pay premiums and set up recurring payments online.

Policyholders may also make one-time (or single) payments from their bank account or credit card without registering using the Pay Now feature. This option does not store their information, so they must re-enter each time they pay online. Policyholders may also make a one-time payment by calling Cincinnati’s phone payment service, 800-364-3400.

If a policyholder receives their bill from their local independent agent, they will need to contact their agent to make a payment.

For other billing questions, please call payment support 888-242-0888.

Do I have to set up an account to pay online?

No, you do not need to set up an account to make a payment online. You can pay without registering an account by using the Pay Now feature to make a one-time or single payment. You may continue to make single payments each time you pay without registering.

You can also make a one-time payment by calling Cincinnati’s phone payment service, 800-364-3400.

What methods can I use to pay my bill online?

We are pleased to offer a variety of convenient premium payment options for Cincinnati policyholders:

Personal, Business, Life and Surety policyholder payment options:

Checking account
Credit card
PayPal™
Apple Pay
Venmo™
Savings account
Debit card
PayPal™ Credit
Google Pay

Excess and Surplus policyholder payment options:

Checking account
Savings account

Please note for all policyholders:

Beginning September 1, 2026, where permitted, payments made by credit card may be subject to a processing fee of up to 3%. This fee is charged by our third-party payment processor and is nonrefundable. To avoid this fee, please consider using an alternative payment method.
All online and phone payments confirmed prior to 3 p.m. Eastern are applied the same day.
Payment options are subject to availability and may not be available for all policy types. The Cincinnati Insurance Companies, including our affiliates and subsidiaries, reserve the right to add or remove payment options at any time.

How long does it take to process my online payment?

Payments receiving a confirmation number before 3 p.m. Eastern Time are applied the same day. Payments made after 3 p.m. Eastern Time are applied the next business day. Business days are defined as Monday through Friday, except bank holidays.

How do I set up automatic payments?

Personal

Directly billed personal lines policyholders (auto, home, boat, etc.) can register or login online where you can set up an account to schedule recurring payments by storing payment information in the system.
If you would like your automatic payment to withdraw from your checking or savings account, please contact your agent to request a pre-authorized withdrawal from your bank account.

Business

Eligible business accounts receive an enrollment letter with registration instructions through the USPS. Online account holders may choose to set up recurring Automatic Payments.
You can request an EFT Authorization Form by calling Cincinnati Corporate Billing, 877-942-2455 or emailing us, CinciBill@cinfin.com.

Life

For life policyholders, you can set up automatic payments by enrolling, printing and completing the Pre-Authorized Withdrawal Agreement. Fax the completed form along with a voided or photocopied check (checking account) or deposit slip (savings account) to 513-870-2095, email to lifepremiumacct@cinfin.com or mail to:

The Cincinnati Life Insurance Company
Attn: Life Premium Accounting
P.O. Box 145496
Cincinnati, OH 45250-5496

I have set up recurring payments; will I get a payment due reminder and a confirmation email after each transaction?

You will not receive a payment due reminder but after the amount due is withdrawn from your account or charged to your credit card, you will receive a payment confirmation email.

How do I sign up for paperless billing?

Policyholders with personal lines policies (auto, home, boat, personal items) can register or login online to select Paperless Options to receive your policy documents and/or billing statements by email.

For help with our online services, please contact Customer Support at 888-242-088

Who do I contact if the amount due is incorrect or if I need to change to my bill date or address?

Personal
Please contact your agent to discuss amounts due or to request changes to your billing schedule or address.

Business
Commercial policyholders may call, 877-942-2455 or send a message to CinciBill@cinfin.com.

Life
Life policyholders may call 800-793-4479 to discuss amounts due and 877-564-0214 or email lifepremiumacct@cinfin.com to discuss payment methods or frequency and billing address.

How do I know that paying my bill online is secure?

Cincinnati takes security seriously and has made sure our registration and third-party payment systems use industry-standard electronic safeguards to guard your personal information.

For example, our site utilizes SSL encryption to protect information transmitted between your web browser and our site. For additional information see the Electronic Privacy Policy.