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Is a Fresh Credit Check Done Before Car Insurance Auto Renewal?

My car insurance is upfront or renewal soon - I always paid monthly (with no issues.) However, my credit score is not very good just now.

Will they do a fresh credit check before auto renewal, even though they have had no problems with me?

Thanks.

Comments

  • molerat
    molerat Posts: 36,591
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    edited 31 July 2025 at 6:57PM
    Most likely yes.

    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • MyRealNameToo
    MyRealNameToo Posts: 5,351
    1,000 Posts First Anniversary Name Dropper
    Forumite
    My car insurance is upfront or renewal soon - I always paid monthly (with no issues.) However, my credit score is not very good just now.

    Will they do a fresh credit check before auto renewal, even though they have had no problems with me?
    Some do, some dont. Those that do may do so to decide if they will offer you a loan to allow you to pay monthly, others it impacts the price they charge you
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