Outraged at 100% increase on Motor insurance for Unemployed Covid-19, classed as HIGH RISK

Jeremy535897

"Failing to declare convictions and points on your license

Your history as a driver is another major factor in how much you pay for car insurance. It stands to reason: if you have a history of dangerous or irresponsible driving, you’re much more likely to make a claim in future.

Points on your license and driving convictions are a matter of public record, so if think you can cut your costs by not declaring them when you apply for insurance, you’ll be caught as soon as you have to make a claim – and turned down on the spot."

https://www.moneysupermarket.com/car-insurance/invalidation/

Tragen

You're a tickbox away from being Self-Employed. 

huckster

Insurers are allowed to assess risk and calculate a premium based on the risk.
There have been Court cases regarding discrimination by Insurance companies such as ECJ ruling many years ago regarding female drivers. 
Unfortunately, there are no legal discrimination grounds in regard to employment type, as this would be one major factor that Insurers consider when calculating premiums. 
No point arguing with Insurers.  Write to your local MP and encourage others in this situation to do so. Perhaps this is something Government should be looking into. Employment is becoming less stable with periods out of work and Government may want people to stay mobile to make it easier to access new work, therefore they will not want to see Insurance costs stopping people from remaining mobile.

mattyprice4004

Insurance in ‘charging more for higher risk customer’ shocker! 

unholyangel

huckster said:

Insurers are allowed to assess risk and calculate a premium based on the risk.
There have been Court cases regarding discrimination by Insurance companies such as ECJ ruling many years ago regarding female drivers. 
Unfortunately, there are no legal discrimination grounds in regard to employment type, as this would be one major factor that Insurers consider when calculating premiums. 
No point arguing with Insurers.  Write to your local MP and encourage others in this situation to do so. Perhaps this is something Government should be looking into. Employment is becoming less stable with periods out of work and Government may want people to stay mobile to make it easier to access new work, therefore they will not want to see Insurance costs stopping people from remaining mobile.

One of the few judgements that never made sense to me. Not quite sure they thought the impact of that judgement through.

For example, it's perfectly fine for insurance companies to directly discriminate based on marital status, age etc but not sex. When all are protected characteristics. 

Thrugelmir

wanttobethrifty said:

And do you have business insurance????

Probably the issue as the OP simply wanted cover for private use of the van not commercial. 

Davesnave

A van doesn't necessarily cost more. I drive a Mercedes Sprinter high  top van which is around 3.5 tonnes and has a 2.2 litre engine. It costs me no more than my car with a similar size engine. I'm not unemployed, just 'retired.'

I remember when my wife first tried to insure her van for selling her plants in local markets and other outdoor venues. As a 'market trader' the premiums quoted were huge, but when she switched to being a 'horticulturist' quotes were much cheaper, so she knew what to be from then on!