Short Term Car Insurance Aged 18
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If you are attempting to get car insurance and have poor credit, then in almost all circumstances this won't have an effect the car insurance payment that you will be charged.
Most motor insurers are only concerned with your motoring history, for instance, whether you have driving convictions and the number of years that you have not submitted a claim etc.
That is how the insurance providers calculate your individual fee, by taking into account your driving history.
Your financial past is not really an issue for them providing you can make the payments.
The single potential difference it may make is that the insurance provider may insist that you give the whole premium at the start instead of giving you a monthly automatic deduction option.
you should consider that most car insurance providers - much like property insurers - do run searches on your credit file. Nonetheless, this is exclusively for dealing with fraud and they will do this on a regular basis for all customers. The check will confirm your identity. For example, the insurer can determine that you are shown to be residing at the same residence as you have stated on your motor insurance proposal form.
Credit checks such as these will not have an effect your credit rating down the road.
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