Am I a Homemaker?

spongedoor

I have just got a quote for car insurance, the only way I can get it is by selecting homemaker as they do not accept "unemployed". I have read the article on MSE about unemployed getting walloped and it states "The British Insurance Brokers' Association and a number of insurers warn you should only state you are a homemaker if you are not looking for work, in which case you need to state you are unemployed.

If you wrongly put "homemaker" on a form and make a claim, it could be declined."

My situation is I am single, not claiming benefits, a home owner and I live from my savings. I also have some help from my girlfriend but does not live with me.

The closest options for insurance are "unemployed" "independent means" and "homemaker", as stated only homemaker allows me a quote. It's with bymiles and is a very cheap quote.

davidwatts

You don't state if you're looking for employment but I'll assume not (if so, "unemployed" would seem the best option). I'd have said "independent means" was the closest match from the information you've given. "homemaker" carries an implication of being the person who stays at home with other people in the household.

It's more common for those types of value to be used to determine price rather than acceptance. It's one thing taking a chance with the answer to a question when it just makes a modest difference to how much you pay, another thing altogether if it's the difference between being accepted or declined.

For that reason I wouldn't take a chance with how you answer this question. Check with the insurer that they would regard "homemaker" as an acceptable answer for your circumstances or go elsewhere.

Aretnap

Agree, if you're living off savings and have no intention of looking for work in the near future 'independent means' is the right description. Homemaker is basically a gender neutral version of housewife, ie someone living with s partner whose income pays both their living costs. It is quite a stretch to apply that to yourself, probably too much of a stretch.