POL-AU-2026-88213 — instalment schedule
$67,306 annual · monthly direct debit
| # | Due | Amount | State | Cover |
|---|---|---|---|---|
| 1 | 01 Jan 26 | $5,608.87 | paid | in force |
| 2 | 01 Feb 26 | $5,608.87 | dishonoured | in force — grace |
| 2r | 03 Feb 26 | $5,608.87 | retried, paid | in force |
| 3 | 01 Mar 26 | $5,608.87 | paid | in force |
| 4 | 01 Apr 26 | $5,608.87 | scheduled | — |
Paid to date
$16,826.61
Dishonour fee
$0
waived — retried in 48h
Cover
Unbroken
Why 2r is its own row
- •The dishonour happened. Overwriting instalment 2 would erase it.
- •The claim in the Smart Claims demo occurred on 12 Feb — after this retry.
- •That ordering is exactly what the coverage check reads.
Why it matters
A billing system that silently replaces a failed payment with a successful one makes the coverage question unanswerable six months later. The retry is a new event, not a correction.