Do car insurance quotes affect your credit rating?

[Matt106]

The OH was checking her credit rating online yesterday and mentioned that car insurance quotes could reduce your score, is this true?

Recently Ive done a fair few quotes as this will obviously have a bearing on purchasing the car or not.

Has anyone else heard of this before?

[ludicrous speed]

How could getting a quote possibly affect credit rating? I call absolute BS on that one.

[frosted]

No

[ZOLLAR]

Insurers may use credit systems to check whether they will offer DD or not but the ones my insurer do don't affect your credit score although i can't say the same for other insurers.

[CaptainSlow]

I had a quote last week and was told by the chap that it would include a credit score, too many of which will impact your rating.

[HellDiver]

I think your wife needs to get back in to the kitchen and stop thinking out loud.

[Soovy]

If you keep applying for monthly instalments and getting knocked back it will. Effecitively you're applying for credit and being refused.

[anonymous-user]

They do appear on your credit file, as do all mobile phone contracts, as I found out the other week

[Matt106]

Even if they do appear surely they can't have a negative affect on your rating?

[anonymous-user]

Everything on mine showed green, I guess if you elect to pay monthly then miss a payment THEN they would. It seems that even for a quote they do these checks so they can offer you the monthly option.