Insurance Quote - Credit File Search - Linked address

teffers

I've recently done quite a few price comparison website searches for car insurance as I'm trying to decide on a new car.

I hadn't realised that insurance credit searches would be carried out, although I know these are meant to be soft-searches in any case.

I'm considering moving in with my GF so I've been checking how much it would cost to keep the car at her address...and here's my question:

Do those searches now link her address with me on my credit file ? or indeed link her file with me / my address ?

Her credit worthyness is great whilst mine is pretty poor and I'd be devasted if this messes it up.

I have the feeling that as long as we don't take anything out jointly she's safe, is that right ?

lisyloo

Do those searches now link her address with me on my credit file ?

Your credit file means you at your address.
So if you did a quote without mentioning your address then no it cannot be on your credit report.

or indeed link her file with me / my address ?

Her file is her name at her address.
If you did not specify BOTH her name and address then it cannot be on her file.
There is no telepathy going on :-)

I have the feeling that as long as we don't take anything out jointly she's safe, is that right ?

Yes.

teffers

Thanks for the reply lisyloo, and the answers.

I'd hoped telepathy hadn't been introduced yet lol

InsideInsurance

We are working on it though

At present at least it is only the policyholder that gets credit checked and therefore it will not create a financial association by you using her address. I suspect that wont change in the near future (though possibly before we manage to introduce telepathy to the rating engine)

teffers

Thanks for the reassurance :-) .

Much appreciated.