When you get a car insurance quote, the insurance provider will run a soft credit check to check your details. They will only perform a full credit check if you decide to pay for your insurance monthly. This is because when you pay for your insurance monthly you are in fact borrowing the full cost of the premium from the insurer and then paying this back each month. This means you are also usually charged interest on the monthly payment too.
A soft search to check your identity does not have an impact on your credit score, you will only see an affect on your credit score once a hard check is made if you decide to pay for your policy monthly.
Find out more about credit checks.
