Car Insurance rip-off if you are made redundant

Borderc

I was made redundant so find myself temporarily unemployed.
I am looking on websites for renewal car insurance and to my amazement I am finding at least £300-£500 increase on insurance when stating I am unemployed as opposed to being employed, even with full no claims.
Firstly, how can it be more expensive to insure a vehicle NOT travelling daily and up to 300 miles a week for travelling to work than a vehicle being safely parked 90% of the time in a carport?
Secondly, as I am actively seeking work, how is it fair to charge for 12 months at an unemployed rate when I could be employed within a couple of months and therefore employed for 10 months of the policy?
In these difficult times for people finding themselves unemployed, how can Insurance companies get away with this surcharge on the unemployed when they desperately need to run a vehicle to seek work!!?
Can anyone offer any advise on what to do please?

Quentin

Borderc wrote: »

how is it fair to charge for 12 months at an unemployed rate when I could be employed within a couple of months and therefore employed for 10 months of the policy?

If you change your employment situation and get a job during the policy year you must inform your insurer at that time.

If this new occupation results in a lower premium for the remainder of the policy year you will get a refund (after paying any admin fee over the change). (Depending on your new occupation - some could result in a higher premium to be paid!)

iamana1ias

Borderc wrote: »

Firstly, how can it be more expensive to insure a vehicle NOT travelling daily and up to 300 miles a week for travelling to work than a vehicle being safely parked 90% of the time in a carport?

nothing to do with where the car is going. Unemployed people make more claims. You're a higher risk to insurers.

iceicebaby

As has been said, statistically, unemployed people are a higher risk, therefore higher premiums.

newbie007_2

I had a fault claim involving damage only to my car 4 years ago, insurer never ask for proof of employment. I was working at the time, but I haven't come across a case where they ask someone to prove they are employed, others here may have.