Why must I include my policy number in the reference field? Faith, your friendly assistant June 24, 2026 04:02 Updated Your policy number allows us to:Match your payment to the correct policyAvoid delays or misallocation of funds Related articles Can I make premium payments for my FWD policies purchased through financial advisers, using PayNow? What details do I need to include when making payment? What happens if I enter the wrong reference or forget to include it? What should I do if my payment is not reflected after 2 working days? How long does it take for my payment to be reflected in my insurance policy?