Credit check for car insuranceWatch
If your insurance is monthly payments and you are the main driver, then I think the credit agreement will need to be in your name, regardless who is paying the insurance. I may be wrong though, but I imagine some insurers may also off guarantor insurance, etc. In order for the credit and insurance document names to be different
For monthly insurance it will include a hard check too. Because you'll be borrowing money on a credit plan to pay for the insurance policy.
Usually it's Close Brothers Finance who do it. But it's a proper finance agreement as if you default on your insurance payments, CB will cancel the agreement and you still owe them. (They've paid the insurers in full already)
And obvs the loan is secured against the policy which is why your policy is cancelled (on the finance house's instructions)