I absolutely hate how insurance companies do a credit check on you, just to give you a price (whether you take the quote or not). I shopped about for the best deal, not realising how many hard searches were being left on my credit rating. I don't care what any of them say, this does affect your credit rating, as the more searches you have, the worse your credit rating is affected. Even though I was paying in full, why on earth do they need to do a search??? Your license, NCB proof, etc all validate you are a legitimate person, there is absolutely no need for this at all.