> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.gowalnut.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Why Do You Need My Date of Birth?

We get it — giving out your birthday can feel a bit personal. But here’s the deal:

🎂 Your **date of birth** helps insurers run a **soft credit check** and check your **insurance history** — no impact to your credit score. This info helps unlock the best discounts, flexible payment options, and accurate quotes.

🛑 Not into the credit check? That’s cool. We can still get you coverage — just note that **some perks or payment plans might not be available** without it.

👉 Check out the consent section of your quote for all the details.