Why does esure Group PLC appear on my credit report?
We conduct two types of searches on your credit file. One of these is done at quote stage and the other is done when you purchase or renew a policy and pay by instalments. The two types of search we perform are detailed below:
Insurance Quotation Search (Soft Search) – This type of search occurs when you have got a quote from us for Insurance, or if your policy is due to renew in the next 60 days. This will leave a search footprint which is a record left by the Credit Reference Agency every time your Credit Report is searched. This will remain on your credit report for 12 months. It will appear as Insurance Quotation on your credit report.
Hard Credit Search – This type of search occurs when you purchase or renew an insurance policy with us and pay by instalments. This search is done when we have to make a lending decision. This remains on your credit report for 12 months. It will appear as Insurance on your credit report. A Hard Credit search won’t be applied if the policy is paid upfront in full.
This information is obtained from a Credit Reference Agency. This will appear as esure Group PLC on your credit file.