Driving Other Cars 3rd Party Only Must Be Insured
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When you are searching for motor insurance and have negative credit, then in the vast majority cases this shouldn't influence the motor insurance fee which they will charge you.
Almost all car insurance companies will only take into account your motoring history, for instance, should you have some convictions and how many years that you have not submitted a claim etc.
That is the basis on which the insurance companies come to your individual premium, by examining your driving record.
Your credit history is not important to them if you can make the premium.
The only potential difference it may make is that the provider may ask you to pay out the premium all up front rather than giving you a monthly prearranged debit alternative.
You should note that all but a few motor insurers - much like property insurers - do run searches on your credit file. However, this is just for the prevention of fraud and they will do this frequently for everyone who requests insurance. The check will substantiate that you have properly identified yourself. As an example, the insurance provider can find out that you are recorded as staying at the same address that you said on your car insurance application form.
These searches will not influence your credit rating at any time.
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