Insurance Quote - what employment status?

mrs_sparrow

Trying to find some information regarding insurance for my sister please.

My married sister has recently passed her test. She has a part time job and does not earn a lot and gets paid cash so does not get a pay slip, pays no Tax or NI as she does not earn enough. She is not looking for work, her husband is the main wage earner.

Our mum has a motorhome (worth around £17k) she wants to either sell or park up at a site. It is currently insured by someone else but that person is not going to be any longer and so we have to get it to the park (mum cannot drive - long story, was conned into buying it for the person currently insured on it to use.....), however, it needs moving and insuring in case something happens to it. My mother cannot drive so I assume she cannot get insurance on it - hence trying to get my sister insured on it. My sister will also be a named driver on her husbands car.

The person who owns the park also helps with the sale of vans, if not sold the family will use it but it will not be driven, so it'll be 'static' with tax, MOT & insurance.

We put sisters details into Go Compare and put in that her main occupation was 'Independant Means' (we assumed that this meant she did not 'need' an income) and then ticked the part time employment box - however, she got no quotes back, they were all refused due to employment status or because she had not driven for 2 years. It allowed us to amend the details so we just changed the main employment to Self Employed and deleted the part time employment status and got 2 quotes back this time, one of them was very good.

However, I am well aware if we do not give the information correctly the insurance will be invalid so what is the right way to fill in the boxes for her situation please. She is neither employed full or part time (has no pay slip) and is not registered self employed. What do you advise to make sure the insurance is correct, please.

Is it a requirement that someone has to work full time to get insurance? I would assume that Self Employed means she is registered as such to HMRC and has a number like I do. Should we have put 'Household Duties' instead?

Can someone please advise on what to fill in please.

Thank you.

Rolandtheroadie

As she's working on the side and being paid cash in hand to keep it from the tax man, I wouldnt bother telling the insurer either.
It's not as if she's going to be using it to commute.

paddedjohn

Since it won't be on the road much longer why not ask the park owners/sellers to collect it for you, then your mum should be able to get some laid up cover if it's still not sold.

mrs_sparrow

paddedjohn wrote: »

Since it won't be on the road much longer why not ask the park owners/sellers to collect it for you, then your mum should be able to get some laid up cover if it's still not sold.

Thanks for the advice john, I am sorry to ask, can you please tell me more about laid up cover. We offered to drive it up to the park for her but we assumed that it would need to be insured to be driven there. I gather they will not come and collect, my mum has to get it up there (about 100 miles away).

Thanks.

mrs_sparrow

scotsman4th wrote: »

As she's working on the side and being paid cash in hand to keep it from the tax man, I wouldnt bother telling the insurer either.
It's not as if she's going to be using it to commute.

Well if earning £50 a week is working on the side to hide money from the tax man, I guess she is then. My mum works the same way and is employed by some sort of judge so I guess they just assume that they are not doing anything wrong. This is what they have both been told by their 'employers', they are both quite naive and as they have been told this by someone working in law, I guess they see nothing wrong with it.

Neither of them gets benefits or tax credits so I can't see they are cheating anyone really if they are not earning enough to pay tax and NI.

Had I have known I would at least have told her to go self employed and pay her NI stamp, however, I don't see them enough to go prying into their financial affairs.

Back to the answer tho. What option do you put down and can you get insurance if you are not working? I just found it odd that you can put down working P/T and not get insurance but by doing the same job SE you can.

dacouch

She's employed rather than self employed and should declare herself self as employed and whatever her occupation is along with selecting commuting use if she drives to and from work

Notmyrealname

scotsman4th wrote: »

As she's working on the side and being paid cash in hand to keep it from the tax man, I wouldnt bother telling the insurer either.
It's not as if she's going to be using it to commute.

Why is she working on the side? If she doesn't earn enough to pay tax and NI, that doesn't mean its working on the side even if she doesn't get a wage slip. Until she earns £107 a week, the employer has no employers NI to pay and isn't required to inform anyone therefore no fraud is being committed.

mrs_sparrow

dacouch wrote: »

She's employed rather than self employed and should declare herself self as employed and whatever her occupation is along with selecting commuting use if she drives to and from work

Thanks, she doesn't drive herself to work - we chose the SD&P option as well as fully comp. Just reading up on laid up insurance as well, have never heard of that but need to get it to the park as well.

Headache. If I had known my mother was even considering this I would have told her in no uncertain terms what I thought of the idea.

dacouch

There are companies who collect and deliver vehicles and have insurance to cover them for the vehicles they're delivering.

I think you'd be better of selling it, they're not easy to drive and will be very difficult for someone whose just passed their test

mrs_sparrow

Thanks for the reply dacouch - there are some companies who advertise on ebay as moving vehicles on a trailer so that is a good idea.

To be honest, we are not interested in it - if it was parked up maybe for a weekend a year we might go and stay in it but we would not drive it - but I agree, I think it needs selling as well. Difficult when the person who owns it cannot even drive.

My sister is not going to drive it but we figured she had nothing to lose bu insuring it, my husband was going to drive it up to where it needed to go and the insurance was just going to be in my sisters name while it was sitting there, But I think that my mum can get laid up cover even if she is not a driver. I think this might be the most viable option to be honest, I will email some companies tonight to get a price.

So complicated. We could insure it for her but I do not want responsibility of the thing, plus the risk of losing our NCB if anything happens to it.

Okydoky25

I know you have said she is not going to drive it but I would think if she only recently passed her standard driving test this would not cover her to tow a caravan..I think motor homes also are only upto a certin size on some licences so worth checking this out.