I'm eating out of the freezer and cupboards challenge

Edwardia

(((Kirri))) my father being an insurance broker I have to say the reason why insurance costs are higher for unemployed people are a combination of the insurance risks and the likelihood of default on payments. It's worked out on the stats, it's not personal.

Insurance companies analyse all sorts of data and can prove that as a group, unemployed people drive cheaper older cars which break down more and they are not so fussed about damaging. Unemployed people are more likely to forego servicing the car and ignore the MOT if they can on grounds of cost. Unemployed people also tend to go for third party insurance ie the cheapest available and are more likely to default on payments.

Kirri

Edwardia wrote: »

(((Kirri))) my father being an insurance broker I have to say the reason why insurance costs are higher for unemployed people are a combination of the insurance risks and the likelihood of default on payments. It's worked out on the stats, it's not personal.

Insurance companies analyse all sorts of data and can prove that as a group, unemployed people drive cheaper older cars which break down more and they are not so fussed about damaging. Unemployed people are more likely to forego servicing the car and ignore the MOT if they can on grounds of cost. Unemployed people also tend to go for third party insurance ie the cheapest available and are more likely to default on payments.

It is still very discriminating though, out of all the people who lose their job, how many fall into the 'career unemployed' pot they are basing it on! If someone has never worked ok maybe so, but in a recession with lots of people working for a lifetime then being out of work short term, hopefully, it is not fair. I would have the perfect record for insuring if it were not for the fact I now have no job.. Quotes have been up to 8k!

Kirri

A minor bonus, I had to pop down to the sorting office so deliberately walked the long way home as the market research ladies are often out in town Friday morning and it's usually something eatable - which it was, so just had 2 yoghurts and got a free pen for eating them they usually give £5 voucher but still, can't complain.

durham_mim

Hi evcryone, this looks an interesting thread and I thought I would try and join in. I only shop twice a week so most other days are NSD days. Since using MSE I've been able to eat out of the freezer more due to all the bargains on here. Tonight the rest of the family are having chicken & pasta bake and I'm not sure what I'll be having. I can't have the same as everyone else as I have a gluten and dairy intolerance. I may do a gluten free pasta with a carbonara type sauce made with lactose free soft cheese. Not tried it before so hopefully it will be ok.

ETA - Forgot to say the gf pasta came as a free sample from a new gluten free range just launched. I got 2 full sized boxes of pasta, a packet of spaghetti, packet of crispbreads and a packet of flour, so a very good deal.

Kirri

Welcome to the thread durham_mim, that sounds a good sample, I have a friend who has gf stuff and has more of a problem finding things that taste good for the consistency plus it seems so expensive.

Edwardia

Kirri wrote: »

It is still very discriminating though, out of all the people who lose their job, how many fall into the 'career unemployed' pot they are basing it on! If someone has never worked ok maybe so, but in a recession with lots of people working for a lifetime then being out of work short term, hopefully, it is not fair. I would have the perfect record for insuring if it were not for the fact I now have no job.. Quotes have been up to 8k!

Insurance companies discriminate all the time, not just on car insurance but on house insurance and health insurance too.

People who live in one street with postcode ending 5BZ may have cheaper insurance than people in next street with postcode 5BT largely because the crime figures differ for the whole postcode. The houses themselves may be identical.

Person A may get cheaper health insurance than person B because although person B is younger, thinner, fitter and healthier than person A, person B has been diagnosed with a condition and person A is deemed to be less of a risk.

If you are deemed more of a risk because of your circumstances, you're charged more.

durham_mim

Kirri wrote: »

Welcome to the thread durham_mim, that sounds a good sample, I have a friend who has gf stuff and has more of a problem finding things that taste good for the consistency plus it seems so expensive.

That is so true. I haven't found a gf pasta that I like yet. Most of them go really soft and mushy, so I don't know what my tea will end up like tonight, I'll probably end up having toast or something.

Edwardia

Hi durham_mim welcome to the thread !

Had Morrisons pre-packed pan ready sardines with parsley, defrosted from freezer for lunch. One person size only 74p for two sardines.

Threw the defrosted parsley away, butterflied and deboned em (admittedly was a bit fiddly), pan-fried in butter and EV olive oil with zaa'tar, Cajun seasoning, parsley from garden, diced chestnut mushrooms from Morrisons and a bunch of Morrisons (thin) spring onions - Lidl ones are better !

The sardines were great will be shoving more of those in freezer for weekday lunches.

Waitrose delivery tonight so dinner depends on what OH sneaks into fridge.

Kirri

Edwardia wrote: »

Insurance companies discriminate all the time, not just on car insurance but on house insurance and health insurance too.

People who live in one street with postcode ending 5BZ may have cheaper insurance than people in next street with postcode 5BT largely because the crime figures differ for the whole postcode. The houses themselves may be identical.

Person A may get cheaper health insurance than person B because although person B is younger, thinner, fitter and healthier than person A, person B has been diagnosed with a condition and person A is deemed to be less of a risk.

If you are deemed more of a risk because of your circumstances, you're charged more.

I know but I hope it will be changed to be fairer - after all they have had to stop discriminating on gender so far despite the associated risks with males.

A fair increase would be justified but it's immoral to be raising the cost SO much. No wonder so many people don't bother with insurance.

At the moment I am almost in tears at being priced out of being able to get about in a car which for certain reasons I need to keep.

Edwardia

I feel for you, I really do, Kirri. Been made redundant three times myself.

The system may get tinkered with a bit, but if there's a case that says X thousand people who have x disease cost y or x thousand people without a job have y% more accidents, then what about the majority of people who don't have the disease/are employed etc.

I agree it is a bit stupid when it gets to car colour though. Drivers of red cars have more accidents, supposedly.