IIL processes data on behalf of insurers, brokers and comparison websites.
Have you recently seen Insurance Initiatives, or IIL on your credit report? Would you like to understand more about what this means? This information page should help answer your questions.


Why has IIL carried out a search?
Insurers and brokers are required by the Financial Conduct Authority (FCA) to ensure that they know who they do business with. They use publicly available data (through companies like Experian, Callcredit) to check ID and addresses, and to prevent fraud.


Will this affect my credit rating or score?
No. We guarantee that the IIL search on your credit file is not a record of a credit check.  This search “footprint” will not:

  • Affect your credit rating or score in any way
  • Be visible to anyone checking your credit history
  • Influence third parties for lending purposes

The search footprint is there for your information only.


I don’t think I applied for any insurance…
Looking at the date of the search:

  • Did you have a household or motor insurance policy due for renewal after the search date, or is it due around now?
  • Did you use a price comparison website (e.g., or any other similar site)?
  • Did you use a broker to look for insurance on your behalf?
  • Have you visited a car dealership recently and enquired about cost of insurance on a car?


What type of search has been carried out?
When a search is carried out, a “footprint” is stamped on your credit file. They are shown as one of the following search types:

  • Quotation
  • Quotation search
  • Insurance quote
  • General insurance
  • Identification check

These ‘footprint’ searches can also occur during various stages of an insurance policy life cycle, for example:

  • At the point of quotation
  • At the point of a claim being made
  • If the policy details are amended (change of title, name, address, vehicle registration)
  • At the point of renewal


What information has been used in the search?
IIL only uses publicly available information provided by our data partners Experian and Callcredit, such as the electoral roll, county court  and higher court judgement.

Importantly, ‘footprint’ searches will not affect your credit rating in any way, as they are not a record of a credit check and will not be visible to anyone checking your credit history.


Requesting footprint removal
IIL is unable to remove the search footprint, as it is held by the company that provides your credit report. Please contact Noddle (Callcredit) and/or Experian CreditExpert directly, and they will happily remove the search footprint for you.

Callcredit Consumer Services: 0845 366 0071
Experian CreditExpert: 0344 481 0800 * or 0800 013 88 88


How information is used

Why do they use this information about me?
Many insurers, brokers and internet price comparison websites are now choosing to perform checks on an applicant before providing a quote, or at renewal to verify that information provided is correct. The reason for this is to offer you the best deal they can and to prevent fraud.


I didn’t know they would make these checks…
The applicant (you) should be informed that these checks will be carried out, and this will be included in the insurer, broker and internet price comparison websites terms and conditions.


Why does IIL appear on the credit report and not the broker or insurer?
IIL acts as data processor on behalf of comparison sites, brokers and insurers. We provide a service for the insurance industry which enables them to provide you with an insurance quote quickly (and very often immediately).

The reason you may have seen IIL named on your credit report (sometimes more than once) is because we process the data on behalf of many of the major insurers and brokers in the UK. They each have to make independent data checks. Hence you may see IIL appear more than once on your credit report.


What does IIL do with the data?
IIL plays no part in the actual quotation or renewal decision. We provide the technology to pass the data from the data provider to the insurer, broker or comparison website.


What does an insurer or broker do with the data?
The publicly available data is used to check accuracy and validity of the information provided during an application.

General insurance searches are also carried out at various points throughout the active period of an insurance policy; at quotation, claim, if policy amendments are requested, and at renewal. The search could have been triggered by any one of these events. It is important to note that if you have previously used a price comparison site or a broker, they regularly perform searches when policies initiated by them are due for renewal, and this will be included in their terms and conditions.


Why do these searches appear on my credit report?
Search ‘footprints’ appear on credit reports as a protection for you so that if you regularly monitor your credit report you can check that you recognise searches as being in line with your expected activity (for example, looking for an insurance product or quotation).


Further information
ICO website
Understand more from Experian here.

IIL also acts as a data processor for the Claims and Underwriting exchange database (CUE) and accesses this on behalf of our clients. If you would like information about what is held on this database you can download a subject access request form from IDSL’s website or write to them at:
IS & Compliance Officer
Insurance Database Services Limited (IDSL)
Risk & Compliance
Linford Wood House
6 – 12 Capital Drive
Milton Keynes
MK14 6XT

Credit Explained pdf guide by the Information Commissioner:  Please check out “Other Information” on page 17 of the guide, for an explanation about footprints.