Which profession close to engineer has the cheapest insurance?

Throbbe

Strider590 wrote: »

Anything mechanical is a bad call, think garage mechanic, considered very high risk as many are young lads who like to Barry up their cheap motors.

I can hear Mechanical Engineers being offended about being lumped in with mechanics from here.

patman99

It is sometimes very easy to get around the problem of job description.

My last 3 long-term roles have been ones which, when I did dry-run quotes, generated an insurance quote 10-20% more than if I simpley entered 'factory operative' as my occupation.

So, as I worked in a factory and my contract stated 'factory operative', that is what I put down as my occupation.

When I used to have the Co-Op for my car insurance I used to joke with the rep about my job role and he told me that if I were a brain surgeon, my premiums would be sky-high if I used my corect job title, but as surgeons work in hospitals, a brain surgeon could put hospital worker as their job title and still not breach the T&C's of the policy.

So, in the op's case, if they were an ME working in a factory all day, then they could claim to be a factory operative.

Strider590

Throbbe wrote: »

I can hear Mechanical Engineers being offended about being lumped in with mechanics from here.

Its only what the desk jockeys think.
At my last job they had me cleaning floors because I had "engineer" in my job title.

onomatopoeia99

VeryMan wrote: »

Which profession close to engineer has the cheapest insurance?

Engineering covers many fields - mechanical, civil, aerospace, chemical, electrical & electronic - you need to be more specific. Or just say precisely what it is that you actually do for a living.

I put software engineer or computer programmer in for insurance quotes (each is completely true - I design, code and test computer software over the whole product life cycle from concept onwards), depends what the insurer's site offers. Never noticed a difference in price between the two.

dacouch

Fat_Walt wrote: »

Keep saying this crap won't make it right.

The irony of being lectured by a pub pundit when I work in the industry.

Perhaps you should tell these companies who specialise in professional footballers that they are wrong.

"It is essential that insurers know they are insuring professional footballers. Many players think it is ok to insure anywhere. This is not the case as if you do not disclose properly companies will not pay out. The reason a footballer is a risk as the passengers they are carrying , if injured will claim heavy amounts of injury and loss of earnings. At Goldcrest we make sure you are with a specialist and all claims will be paid out for you and your sporting colleagues."

http://www.goldcrestinsurance.com/professional-footballers-car-insurance/

"It's no surprise that mainstream insurers and brokers are cautious when it comes to professional sportsmen and women. The prospect of a huge personal injury compensation bill reflecting the potential loss of earnings of high-profile passengers is a worry"

https://www.adrianflux.co.uk/sports-professional/

"As a professional footballer, if you are involved in an accident the prospect of a huge personal injury claim, and potentially high loss-of-earnings claims from any high-profile passengers you may be carrying, will cause many other insurance brokers to shy away from insuring you"

http://www.think-privateclients.co.uk/pro-footballer-insurance.php

patman99

dacouch wrote: »

The irony of being lectured by a pub pundit when I work in the industry.

Perhaps you should tell these companies who specialise in professional footballers that they are wrong.

"It is essential that insurers know they are insuring professional footballers. Many players think it is ok to insure anywhere. This is not the case as if you do not disclose properly companies will not pay out. The reason a footballer is a risk as the passengers they are carrying , if injured will claim heavy amounts of injury and loss of earnings. At Goldcrest we make sure you are with a specialist and all claims will be paid out for you and your sporting colleagues."

http://www.goldcrestinsurance.com/professional-footballers-car-insurance/

"It's no surprise that mainstream insurers and brokers are cautious when it comes to professional sportsmen and women. The prospect of a huge personal injury compensation bill reflecting the potential loss of earnings of high-profile passengers is a worry"

https://www.adrianflux.co.uk/sports-professional/

"As a professional footballer, if you are involved in an accident the prospect of a huge personal injury claim, and potentially high loss-of-earnings claims from any high-profile passengers you may be carrying, will cause many other insurance brokers to shy away from insuring you"

http://www.think-privateclients.co.uk/pro-footballer-insurance.php

Better not offer my neighbour a lift anywahere then. He is a pro-footballer for a league 2 club.

dacouch

patman99 wrote: »

Better not offer my neighbour a lift anywahere then. He is a pro-footballer for a league 2 club.

You're free to give anyone you want a lift providing you abide by the use limit of your policy.

As a normal member of the public, the risk of you having an accident with a professional footballer as a passenger is diluted by the other 30 million other policyholders with standard occupations.

A professional footballer is in a pool of premium payers of nearer 3000 so the risk mangnified many times.

VeryMan

You can continue your debate in a new thread please thanks

Mercdriver

Well to answer your question simply, the cheapest profession to apply is the actual one. Use an incorrect one and be caught out by the insurance assessors who make commission on what isn't paid out and you will find it very expensive in the event of a claim.

bigadaj

Nun?

Basket of kittens optional.