Car insurance for those employed in the 'Entertainment' industry - ridiculously high?

silvermum

oldernonethewiser said:

If he is only driving occasionaly can you not add him on an ad hoc basis?

I have done this with my Brother-in-Law a few times in the past when he came to visit.

I have never been charged extra although he is a good bit older than your son, but does work in that business they call show.

Yes, I think we will end up going down this route! I suspect I just haven't come to terms yet with quite how much car insurance has skyrocketed in the last 12 months. Having our adult children on our insurance 'just in case' is probably no longer a sensible option.

Gavin83

silvermum said:

molerat said:

According to one survey site software developer is one of the cheapest job tiles for vehicle insurance.

It is!! And this is what is particularly galling I think! In his case, his industry is totally irrelevant as he is not involved with an of the risk associated with it.

I think the logic is statistically those who work in such an industry are more likely to have accidents, or more serious accidents. Therefore they consider anyone working in that industry as higher risk, regardless of their own driving history. Ridiculous but that’s the way insurance has always worked.

I do a slightly similar IT job. My actual job title is never listed so I have to select one as close as I can. There’s generally 2 or 3 I can pick from. I can’t remember which is which but one option adds about £200 onto my premiums. Naturally I choose the cheaper one!

user1977

Gavin83 said:

silvermum said:

molerat said:

According to one survey site software developer is one of the cheapest job tiles for vehicle insurance.

It is!! And this is what is particularly galling I think! In his case, his industry is totally irrelevant as he is not involved with an of the risk associated with it.

I think the logic is statistically those who work in such an industry are more likely to have accidents, or more serious accidents.

And maybe a perception that they have decadent lifestyles (or at least risk factors such as more night time driving).

I remember John Peel moaning that his motor insurance seemed to assume that as a DJ he was going on coke-fuelled binges with jet-setting pop stars, rather than just taking a knackered Volvo on the school run in Suffolk... 

Aretnap

user1977 said:

Gavin83 said:

silvermum said:

molerat said:

According to one survey site software developer is one of the cheapest job tiles for vehicle insurance.

It is!! And this is what is particularly galling I think! In his case, his industry is totally irrelevant as he is not involved with an of the risk associated with it.

I think the logic is statistically those who work in such an industry are more likely to have accidents, or more serious accidents.

And maybe a perception that they have decadent lifestyles (or at least risk factors such as more night time driving).

I remember John Peel moaning that his motor insurance seemed to assume that as a DJ he was going on coke-fuelled binges with jet-setting pop stars, rather than just taking a knackered Volvo on the school run in Suffolk... 

The other thing that traditionally puts entertainment in the high risk category is the fact that you are (possibly) moving in circles with the potential for very high personal injury claims. If you give your mate Reg who works in the warehouse a lift home one evening, crash your car, smash his face against the dashboard and break his nose, then your insurer might be on the hook for a few thousand pounds in compensation for the loss of his already dubious good looks. If you do the same to Holly Willoughby, it will be more like millions for the lost modelling and presenting contracts...