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  • FIRST POST
    • Marifern
    • By Marifern 16th Sep 17, 12:41 PM
    • 5Posts
    • 1Thanks
    Marifern
    Ccj and car insurance
    • #1
    • 16th Sep 17, 12:41 PM
    Ccj and car insurance 16th Sep 17 at 12:41 PM
    hey guys. i recently received a CCj for an old debt, amounting 500 something pounds. i am paying it back monthly but am aware it is now on my record.

    when i applied for my car insurance (which i pay for monthly), they asked if i had CCjs, to which i said no because at the time i did not. i have paid on time every month.

    however i wonder if i now have to inform them of the CCj? or whether it is only something they need to know at the time of applying or renewing.

    also, when it comes to renewal, will the ccj be likely to affect whether they insure me or not?

    i am on my own with 3 kids and need my car for my job so im very anxious... ill appreciate any advice/insight!

    thanks in advance
Page 1
    • DCFC79
    • By DCFC79 16th Sep 17, 1:28 PM
    • 29,951 Posts
    • 18,970 Thanks
    DCFC79
    • #2
    • 16th Sep 17, 1:28 PM
    • #2
    • 16th Sep 17, 1:28 PM
    Did you take out the policy before receiving the ccj ?

    You could ring the insurer and without giving your name etc ask the question do they need to know of a ccj that's recently been awarded.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Car1980
    • By Car1980 16th Sep 17, 5:39 PM
    • 151 Posts
    • 74 Thanks
    Car1980
    • #3
    • 16th Sep 17, 5:39 PM
    • #3
    • 16th Sep 17, 5:39 PM
    No car insurer has ever asked about CCJs that I've ever used. If you want to pay monthly they'll do the credit search and find out for themselves?
    • Bedsit Bob
    • By Bedsit Bob 16th Sep 17, 6:32 PM
    • 9,637 Posts
    • 50,674 Thanks
    Bedsit Bob
    • #4
    • 16th Sep 17, 6:32 PM
    • #4
    • 16th Sep 17, 6:32 PM
    I agree with Car1980.

    A CCJ should have no bearing on how a car insurance company rates you as a risk.

    Paying monthly may be affected, as monthly payments are credit agreements.
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - £1161
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