Classic Car Insurance Companies
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Should you be looking for car insurance and have poor credit, then in most situations this should not have an effect the motor insurance premium that you are charged.
Nearly all car insurers will only focus on your driving history, like whether you have convictions and how many years that you have not submitted a claim etc.
That is the basis on which the car insurance companies figure out your individual payment, by examining your motoring history.
Your credit history is not of any significance to them if you can pay the monthly fee.
The single possible difference it may make is that the provider could request that you pay out the premium all in advance as opposed to providing you with a monthly direct debit choice.
Keep in mind that all but a few car insurance providers - like home insurance providers - do searches on your credit file. But, this is strictly to hinder fraud and they will do this on a regular basis for everyone who requests insurance. The inquiry will confirm that you are who you say you are. For instance, the insurance provider can determine that on record, you are residing at the same residence that you said on your car insurance form.
These credit checks will not affect your credit rating down the road.
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