Unemployed? Check your car insurance!!

Sandtree

Alter_ego said:

Unemployment is not a protected characteristic so not discrimination

It is discrimination but it isnt illegal to discriminate on employment status because it isnt a protected characteristic

discriminate

/dɪˈskrɪmɪneɪt/

verb

1. recognise a distinction; differentiate.
2. make an unjust or prejudicial distinction in the treatment of different categories of people, especially on the grounds of race, sex, age, or disability.

Can't say its something I've looked into, and would point out that Admiral do fit into the cheap and cheerful type category with a few unorthodox behaviours, but would be surprised if many have the same approach. Obviously hard to test if it isnt a policy term but something the agent informed you of over the phone.

Carrot007

Sandtree said:

Alter_ego said:

Unemployment is not a protected characteristic so not discrimination

It is discrimination but it isnt illegal to discriminate on employment status because it isnt a protected characteristic

Indeed. Can the entire forum agree to now say; It's not legal discrimination?

Yeah no, pedants like to pedant.

frugalstephen

Thanks for all the support guys, much appreciated!

If you are in Northern Ireland, AXA insurance will accept your premium without being worried what your employment status is. They were also over £100 cheaper than Elephant, with a lower 'excess', and better windscreen coverage. Every cloud, eh?

Alter_ego

frugalstephen said:

Thanks for all the support guys, much appreciated!

If you are in Northern Ireland, AXA insurance will accept your premium without being worried what your employment status is. They were also over £100 cheaper than Elephant, with a lower 'excess', and better windscreen coverage. Every cloud, eh?

I don't think I'll be moving to NI to save £100

Sandtree

frugalstephen said:

Thanks for all the support guys, much appreciated!

If you are in Northern Ireland, AXA insurance will accept your premium without being worried what your employment status is. They were also over £100 cheaper than Elephant, with a lower 'excess', and better windscreen coverage. Every cloud, eh?

Not sure why excess was in quote marks?

Any how... I strongly believe that 'Elephant' will have been in the 'minority' for being 'worried' about your 'unemployment'. Most 'insurers' will give 'DOC' cover to unemployed 'policyholders' however most insurers 'also' will load premiums for 'being' unemployed.

I am 'curious' if your 'statement' about worry extends 'only' to the DOC cover or if 'you' also mean there is no 'premium' difference between being a 'architect' or unemployed? ('or' 'whatever' 'your' 'normal' job' 'is')

frugalstephen

Sandtree said:

I am 'curious' if your 'statement' about worry extends 'only' to the DOC cover or if 'you' also mean there is no 'premium' difference between being a 'architect' or unemployed? ('or' 'whatever' 'your' 'normal' job' 'is')

The premium remains the same when I was employed, and now unemployed. Though, when I had a job and left my car in for a service, I could borrow my mum's car for a couple of days, knowing I was legally insured. Now unemployed, I can't...

Sandtree

frugalstephen said:
The premium remains the same when I was employed, and now unemployed. Though, when I had a job and left my car in for a service, I could borrow my mum's car for a couple of days, knowing I was legally insured. Now unemployed, I can't...

That sounds like you are still talking about Elephant? 

Reducing cover is parallel to increasing premiums... most insurers will keep cover the same but increase premiums (ignoring the admin fee)

frugalstephen

Sandtree said:

frugalstephen said:
The premium remains the same when I was employed, and now unemployed. Though, when I had a job and left my car in for a service, I could borrow my mum's car for a couple of days, knowing I was legally insured. Now unemployed, I can't...

Reducing cover is parallel to increasing premiums...

At last! Took a while, but got there in the end LOL

TELLIT01

I have a motor insurance policy due for renewal and checked what the occupation is down as - it was wrong for me and my wife so I called the insurer.  Result is a massive reduction of £3 in the annual policy cost.  What did surprise me was that the employment info was correct on one policy but wrong on the other.  I obviously told them at some time about the changes but they were only applied to one policy.

frugalstephen

TELLIT01 said:

 Result is a massive reduction of £3 in the annual policy cost. 

Was your status change from employed to unemployed?