Why do you run a credit check?

We use a credit bureau as part of our quote process to validate your identity so we can give you our best price. We do this whether you've spoken to us over the phone or run a quote yourself through our website or a price comparison site. We also complete checks before your renewal and when you make a change to your policy that increases your instalments.
 
As a responsible lender, we also run a credit check to make sure we only offer a direct debit agreement or extend credit to those who can afford to pay their instalments.
 
This check leaves a soft footprint on your credit report which can only be seen by you and us. It doesn't affect your credit rating and won't influence a lender's decision to provide credit in the future. 

If you'd like to know more about the information credit reference agencies hold about you, you can contact them at: