Bad Credit Rating & Car/Bike Insurance

Breathe_2

Hi - first time poster here!

I am wanting to do my direct access course (motorbike), and also this year get my driving licence.

When it comes to insurance and bad credit ratings, what problems am i going to come up agaisnt? in the sense will I always get rejected or are there some companies which don't do a credit check?

Thanks

Oscar_The_Grouch

Hi there

The purpose of the credit check is to see whether you are a "good risk" for direct debit. You should still be able to get insurance with a poor credit rating, but may have to pay the premium all in one go.

It may be worth looking at the guides on this site about improving your credit rating for the future, but for now you should expect to be either paying your premium all in one go or getting stupidly high quotes for credit!

Oscar_The_Grouch

Sorry - Another thought - I am pretty sure that Aviva allow you to opt out of the credit check...... I could be wrong.....

Breathe_2

Thanks Oscar -

I did find a site, staveleyhead.co.uk - have you heard of them? as they say direct debit with no credit check.

How would I go about finding out if they are a decent company, as I done a google search and not found much on them.

rudekid48

Most companies don't do a full credit check. You shouldn't have any problems.