Car Insurance - what a joke...!

harveybobbles

A friend was getting some ins quotes for their upcomming renewal. They are unemplyed and claim Carers Allowance as they look after their OH, who doesnt work due to illness/disability. The OH claimes disability benefits.

The insurance renewal quote was £1500. Yet when they said they worked in an office as "Admin Assistant" the quote came down to £500!

Seems silly that someone who looks after their ill partner gets penalised...

Weird_Nev

No chance of a motability vehicle? It's about the most MSE way to run a car imaginable providing they qualify. You put the fuel in and drive. that's about it.

harveybobbles

Nah they don't qualify for the Motability car, sadly.

dacouch

Are they claiming JSA

harveybobbles

dacouch wrote: »

Are they claiming JSA

No. They are claiming DLA and InCap.

Tremour-88

All car insurance companies class "Unemployed" people as a massive risk due to alot of people being drunks / druggies, or because they recieve a low income they do dodgy work for extra money.

My car insurance quotes drop by £400 if I change from Unemployed to House Husband

dacouch

harveybobbles wrote: »

No. They are claiming DLA and InCap.

In that case then they are not normally classed as unemployed as they are not seeking work.

You could try carer or possibly retired. I would recommend they speak to the Insurer to confirm this (Some inexperienced staff may say they are unemployed, if they do politely ask to speak to someone more senior). Make a note of the persons name and the date / time in case there's any query in the future

paddedjohn

tell her to put her occupation down as carer, this should change the price.

cruger

harveybobbles wrote: »

A friend was getting some ins quotes for their upcomming renewal. They are unemplyed and claim Carers Allowance as they look after their OH, who doesnt work due to illness/disability. The OH claimes disability benefits.

The insurance renewal quote was £1500. Yet when they said they worked in an office as "Admin Assistant" the quote came down to £500!

Seems silly that someone who looks after their ill partner gets penalised...

Insurance companies must be preying on people claiming disability benefits mind you £500 if your working is a hefty price. Good luck I am sure you can find a much better deal. Who was the insurance companies that quoted £1,500 so I can avoid.

Crabman

May be worth looking at this tool for other job titles you can legitimately use:

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

mikey72

Househusband, retired, or carer.