Spotting reel little

Should the tenant fork the bill for credit check/insurance packages? - landlord inspection form

I am about to move into a new house with my girlfriend, but the owner insisted on £ 86 "credit check" for each of us.
At a more detailed inspection of the shape and politics. This ensures the owner of 6 months, if we do not pay the rent.

Reluctantly, I can understand why they are made by a credit bill (cost: \\ \\ \\ \\ \\ \\ \\ \\ u0026lt, £ 10). But it seems unfair to be charged to look at absolutely sure that the benefits of its owner.
By the way: £ 86 for 20% of monthly rents. What should I do?