looking for child & car insurance

Lynsey084

Hiya, Im hoping someone could help me

I need to update my car insurance and was looking through the money saving tips and noticed it says that if you are unemployed its more expensive. I am single, currently at home looking after my baby. Im not looking for a job yet as my baby is only little so technically not unemployed. On some comparison websites it calls it 'household duties' whereas on others the only option is housewife. Any body have any suggestions what i can do because i really cant afford a hike in my insurance on top of the rise in fuel!

Thanks in advance

ILW

If you are receiving unemployment benefit, then you will need to declare yourself as such.

Quentin

ILW wrote: »

If you are receiving unemployment benefit, then you will need to declare yourself as such.

Ignore this. No car insurance proposal asks you to declare about any state benefits you receive.

JimmyTheWig

Quentin wrote: »

Ignore this. No car insurance proposal asks you to declare about any state benefits you receive.

But presumably if you are receiving unemployment benefit then you should declare that you are unemployed?

But, given that the OP says they are not unemployed, I doubt they are receiving any unemployment benefit.


I would go for the following, in this order (i.e. if they don't have the first option look for the second option, etc)...
1. Full-time parent
2. Homemaker / household duties
3. Stay-at-home parent
4. Housewife
5. Not working

All you need to do is pick the one that you think most reasonably reflects your situation.

adamc260

If you dont work and receive benefits, not sure how you can list it as anything other than Unemployed? =/ (Assuming you are receieving benefits)

Lynsey084

I'm on income support if that makes any difference? If just found this on direct.gov website :

Income Support is extra money to help people on a low income. It’s for people who don't have to sign on as unemployed

ive just priced up with my current insurer and by classing myself unempolyed compared to housewife i will pay an extra £15 a month

Thanks to everyone who is replying to my post

michaels

afaik as a single parent it is not until your child is 7 that you are expected to seek employment and thus switch from income support to jsa - until that time I think you would be lying if you claimed to be unemployed.

JimmyTheWig

OP, if you told a reasonable person everything there was to know about your situation and told them that you think it is more accurate to describe yourself as a housewife than unemployed, do you think that they'd agree?
If so, it is perfectly reasonable to put housewife.

Are you actively seeking employment?
Have you told any agencies that you are actively seeking employment?
If not, then "unemployed" doesn't fit particularly well.

Do you perform the day to day tasks of a housewife?
If yes, then "housewife" fits fairly well.

lisyloo

If you dont work and receive benefits, not sure how you can list it as anything other than Unemployed?

Adam - My personal interpretation of unemployed is somone who should be working but is currently out of work.
There are a huge number of people in the UK who are "economically inactive" but are not intending to work.
This includes students, housewives/husbands, the retired etc.

Drawing benefits or not does not entirely define it.
For example I would not be entitled to means tested benefirs (due to my husbands income) so there are lots of people who may be unemployed but unable to claims any benefits.

I woud personally say that housewife fits the bill well in this circumstance, but if unsure of the definitions then the answer is to pick up the phoen and ask rather than risk getting it wrong.

mikey72

JimmyTheWig wrote: »

Are you actively seeking employment?
Have you told any agencies that you are actively seeking employment?
If not, then "unemployed" doesn't fit particularly well.

Do you perform the day to day tasks of a housewife?
If yes, then "housewife" fits fairly well.

There's lot's of housewive's whose kids have grown up, seeking employment as they're just bored at home now. I wouldn't say it makes them unemployed, even if they're claiming tax credits.

There's lot's of people claiming contribution based JSA in the same situation.
Some have no intention of working again, and could happily live on alternative income, so are these people unemployed. (Possibly would be in trouble over benefits, but that's nothing to do with the insurers)

Unemployed are really people between jobs, who are intending to work again.
If they have no intention of not working, (parent, diasability, carer) they're not unemployed.