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Credit Checking

Our insurers and credit providers may obtain information from third parties to assess your insurance risk, verify your identity, help prevent fraud and provide you with their best premium and payment options. This may happen during quotation, at renewal or where policy amendments are being requested. Part of this assessment will include a Quotation Search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments. Are you happy to continue?

Why do we undertake a credit search?
In order to offer our most competitive prices, some insurers on our panel need to verify customer details. This method also helps us to prevent fraud which means that we can continue to keep your premiums as low as possible in the future.

How is the credit search conducted?
A credit referencing agency will conduct the search.

Is your data safe?
Yes, the results of any searches conducted by the credit reference agency is held in accordance with the Data Protection Act.

Will the search affect your credit rating in the future?
No. The credit search will leave a 'soft print' on your records. This will not affect your credit results or have any impact on your ability to obtain credit in the future.