How job titles can affect motor insurance premiums

Discussion in 'Motorhome Chat' started by Theonlysue, Jul 16, 2016.

  1. Theonlysue

    Theonlysue Funster Life Member

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  2. big map

    big map Funster Life Member

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    Just typical of insurers they can't keep it simple.
     
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  3. movan

    movan Funster Life Member

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    I couldn't be a dj and I couldn't be a dance instructor to special needs children without a humungous premium load:( . Ridiculous when you need the vehicle for your livelihood you are MORE careful than normal I would guess.

    Thankfully I am now a nothing so premiums ok. :)
     
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  4. Minxy Girl

    Minxy Girl Funster Life Member

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    Been like that for years ... we were advised a while ago to put down 'retired' rather than house husband/wife etc as it's the cheapest option!
     
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  5. emmitdb

    emmitdb Funster

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    SWMBO put the phrase "Domestic Engineer" on a request many years ago.
    It's still in someones computer because every so often we get offers for Insurance where her job description is Domestic Engineer.
     
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  6. dryad

    dryad Funster

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    you get penalised and loaded if you're divorced i discovered, even if it was many years ago, in my case 37 years ago, it still follows you around. the reason apparently is that after a divorce you're liable to be unstable :confused: and a risk, utter bollox of course, there are many, many people living happier, contented, safer lives after a disastrous marriage..
     
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  7. pappajohn

    pappajohn Funster Life Member

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    My mate is a nightclub manager....except for motor insurance where he ia an entertainents manager.

    Insurance is designed to be incomprehensible.
    He just bought a car for his 18yo daughter with a provisional licence....insurance for Kate alone...just shy of £1600
    He put himself and his wife as ADDITIONAL, not main, drivers and it came down to £600.

    Just cant see the logic, 3 times the risk and Kate's still the named main driver.
     
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  8. big map

    big map Funster Life Member

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    So can anyone in the know tell us what insurers deem to be the lowest risk profession ?
     
  9. Minxy Girl

    Minxy Girl Funster Life Member

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    Actually not that simple, as they are on the policy too there is a likelihood that they will drive it which means that the 18 year old may not drive it as much ...
     
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  10. pappajohn

    pappajohn Funster Life Member

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    True, but extremely unlikely once she passes her test.
    Nikki has her own shed car and Steve has a car and a vivaro van.
    Simply a means to an end for cheaper insurance.
     
  11. Badknee

    Badknee Funster

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    Probably "deceased" :whistle::LOL:
     
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  12. Jabberwocky

    Jabberwocky Funster

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    As a professional driver I'm a higher risk despite being trained to a higher level with more road experiance, apparently it's because we do a 15 hr working day and then crash our cars on the way home.

    The highest risk profession is a pro footballer, second is being the relative of a pro footballer.
     
  13. Chris

    Chris Funster Life Member

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    Prostitutes apparently.

    On the basis that they are "off road" for lengthy periods.(y)
     
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  14. Tootles

    Tootles Funster

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    Never thought of it like that. o_O I mean, they shouldn't be off the road for lengthy periods of time, they get serviced enough. (y)
     
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  15. TheBig1

    TheBig1 Funster Life Member

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    Except they have to add a clause for "temporary workplace insurance"
     
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  16. SC 05 OUT

    SC 05 OUT Funster

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    so now Im no longer employed, but not officaily retired, but taking a carrier break due to cancer treament (its possible I may want to go back to work at some point), what do I tell my insurer that will .
    Its fair to say my previous proffession loading my insurance quit highly.

    a: not invaladate my insurance
    b: keep my premium at its lowest posible
    c: not frighten my insurer into saying go away we dont do ill people
     
  17. PhilG

    PhilG Funster

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    I argued this when there was no description for my job,that they wanted to call it something else with a higher premium.
    As with anything that is 'made up' (there is no product, just an idea plucked from thin air) the rules are not there to help us, but to confuse us and benefit them.
    As a result, any cold callers get a royal bollocking and anyone calling saying 'our records show ' gets torn a new one. Send me those records.. Oh you can't because of data protection. Well it's my data.
    And it's wrong.
     
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  18. Petest

    Petest Funster

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    I have worked for myself either self employed or, up until recently, with my own company. I always had a large van for work (lwb transit). Never had a claim.
    When I got the MH I was told my NCD didn't count and couldn't be transferred.
    I was a bit miffed as I'm used to driving a large vehicle and couldn't see why I should be a higher risk than someone that only drives a car.

    Ended up going with the CC as they offered a consolation NCD
     
  19. pappajohn

    pappajohn Funster Life Member

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    Looks like they are thinking George Best and Paul Gasgoine in the way they work that out.....
    Or could it be due to the excessively high salaries they 'earn' ? .....money no object.
     
  20. Minxy Girl

    Minxy Girl Funster Life Member

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    Not sure what 'officially retired' really means - we left work at 48 and 51 and have no intention of going back but don't get a pension etc so it is a 'chosen' retirement, but we still put retired down on the paperwork as we were advised to do to keep the premiums down.
     
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