Yes, when you take out a Southern Cross Pet insurance policy and choose to pay by direct debit, the 2.5% discount will automatically be applied to your premium. You need to pay by direct debit for the whole policy period (12 months) to receive this discount. If you stop paying by direct debit partway through this period, you’ll need to repay the discount already applied, in your next premium. You can read our  discount terms and conditions  to learn more and check if you’re eligible.