Adding A Young Person To Parents Car Insurance
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Should you be trying to find motor insurance and have negative credit, then in the majority of circumstances this will not influence the motor insurance payment that they charge you.
Almost all motor insurers are only concerned with your driving history, like if you have some motoring convictions and how many years without a claim etc.
That is the basis on which the insurance providers come to your individual premium, by basing it on your motoring history.
Your credit past is not of any consequence to them provided that you can meet the monthly premium.
The one difference it could mean is that the insurer may require you to shell out the whole premium all in advance instead of allowing you a per month direct debit option.
you should consider that all but a few motor insurers - similar to home insurance providers - do run searches on your financial file. Nevertheless, this is purely for preventing fraud which they do frequently for all applicants. The search will prove your identity. For example, the insurer can check that you are shown to be living at the same place that you filled in on your car insurance form.
These credit checks will not have an impact your credit rating at any time.
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