HELP PLS. New Car Insurance Job Checker Testing Needed!

shannys_taxi_driver

I put civil servant down, it shows it's the cheapest for that sector, which cheered me up!

odorus

I put in driving instructor, it came back with bus/coach driver. Definitely not legit!!
Also put in £250, which is about right, came back with cheaper quotes, then put in £150 still came back with cheaper quotes.
So just a bit of fun I guess

marble

To be honest, I don't really get it. I put in my job as 'computer programmer' and it returns a massive list showing me that Gas Technicians and Mining Engineers pay more than me for their insurance.

Still, it is interesting to know that there are numerous job titles I could put myself under. To be honest, having worked in insurance, I'd be very dubious of varying my job title that wildly.

From my understanding of how insurance works, your can say whatever you like as your job title as long as a reasonable person would agree with you. Ring your best friend and ask them to tell you what you do as a job ... that's probably the best answer.

If you write a blog in your spare time, how many of your friends will tell you you are a journalist? If you're a professional footballer but do some gardening at the weekend, how many of your friends will tell you you are a market gardener?

If you have 6 jobs and don't know what title to use ... ring the insurance company ... tell them everything. At the end of the day, if you are completely honest then you're fine, it is the insurance co's fault if they screw up. If you play games then, when you have a claim, the insurance co may play games too.

Still, at the end of the day, your claim is unlikely to be rejected for a bit of 'creativeness' on your job title. However, it's running a risk (however small) and it's a risk I'd prefer not to take.

Al

compulsivespender79

Definitely not to be taken seriously I don't think! I do hope that if this checker goes live that people don't use it to actually fudge their insurance quotes - insurance companies can be so strict, and the slightest discrepancy could have your claim rejected.
I am a Data Manager in a school, which is never an option, so I always choose Data Administrator. The list of alternatives that comes up bares no resemblance to my job; Software Engineer, Instrument Engineer, Architects Technician, etc, etc.
Good bit of fun, but users should definitely err on the side of caution!

maniac886

tinkerbell84 wrote: »

A full time eBayer is not a computer programmer! :rotfl: :rotfl: :rotfl:



MarkyMarkD - I agree entirely with you. This (in my view) is extremely dangerous territory.

I agree with this view. Whilst I do admire that the MSE team are trying to save us money, I believe that the insurance industry is very strict and I would hate for someones claim to be rejected on the grounds that they have put an incorrect job description.

I don't know if this is also a problem but are some companies not underwritten by the same insurance companies and if you were to put different job descriptions, would this not be a problem?

Any views from people working within the industry(sorry if I have missed it)?

Anyway thats just my take on things!

vanoonoo

I put in administrator and it offered me three cheaper options (which weren't really relevant to be honest) however when I selected one (civil servant), the explanation wording seemed to reverse the decision and told me I should pick administrator to save money over civil servant which was a bit confusing!

MarkyMarkD

I agree with tinkerbell84 and maniac886. A full time eBayer is basically a trader, not a computer programmer in the slightest.

There is definitely a risk of insurers identifying the use of different job descriptions, as there is a lot of data sharing in the industry for fraud prevention reasons.

Whilst the tool will doubtless have provisos, etc., I can't believe that there won't be a fair degree of over-liberal interpretation by some of the users on here, particularly those who think a bit of insurance fraud is a good idea in any case. :rolleyes: Just look at the number of people who come onto MSE and confess to fronting and can't even accept that it's wrong.

But, having said all that, isn't the issue that rating on job description is such a woolly art anyway? The same job can, quite easily, be described with a dozen different job titles in different organisations. Many people also have a number of roles - as MSE Martin himself points out - and most quotation engines don't have the facility to handle multiple entries in the "job" field.

I honestly think that if this tool goes live, it would be worthwhile to have a "sticky" thread for people to enter their actual job title, their actual role, and the "Job Checker" job title they are intending to use, so that a few sensible-minded individuals could comment as to whether it seems reasonable. As Martin says, the test really is whether a reasonably minded person would think that the job title you've stated fairly reflects what you actually do.

I don't mind saying that I'm a Chartered Accountant (by qualification) and that's what I state on my insurance forms. But I don't work for a firm of Chartered Accountants; I work for a company whose business is not accounting. I could equally well call myself other forms of Accountant, or just the rather vague "Professional", or something to do with "Analyst". There are many ways to say the same thing. I personally think CA is fine - it's my professional qualification and it's what I think I do for a living, even though it's not within the framework of a firm of CAs.

tinkerbell84

Major point for me is that manipulating your job title may well bring the cost down, but what if that policy is subsequently voided or the insurer refuses to pay out (and they could)? Rather than moneysaving, that would be a massive waste of money (buying a policy that won't cover you).

There are reasons that different risk levels apply to different jobs when looking at insurance - trying to get around that is counter productive. And no matter how well intentioned this tool is, there are people that will use it to defraud insurance companies, and I don't think that is any part of what this site is about.

maniac886

MarkyMarkD wrote: »

I agree with tinkerbell84 and maniac886. A full time eBayer is basically a trader, not a computer programmer in the slightest.

There is definitely a risk of insurers identifying the use of different job descriptions, as there is a lot of data sharing in the industry for fraud prevention reasons.

Whilst the tool will doubtless have provisos, etc., I can't believe that there won't be a fair degree of over-liberal interpretation by some of the users on here, particularly those who think a bit of insurance fraud is a good idea in any case. :rolleyes: Just look at the number of people who come onto MSE and confess to fronting and can't even accept that it's wrong.

But, having said all that, isn't the issue that rating on job description is such a woolly art anyway? The same job can, quite easily, be described with a dozen different job titles in different organisations. Many people also have a number of roles - as MSE Martin himself points out - and most quotation engines don't have the facility to handle multiple entries in the "job" field.

I honestly think that if this tool goes live, it would be worthwhile to have a "sticky" thread for people to enter their actual job title, their actual role, and the "Job Checker" job title they are intending to use, so that a few sensible-minded individuals could comment as to whether it seems reasonable. As Martin says, the test really is whether a reasonably minded person would think that the job title you've stated fairly reflects what you actually do.

I don't mind saying that I'm a Chartered Accountant (by qualification) and that's what I state on my insurance forms. But I don't work for a firm of Chartered Accountants; I work for a company whose business is not accounting. I could equally well call myself other forms of Accountant, or just the rather vague "Professional", or something to do with "Analyst". There are many ways to say the same thing. I personally think CA is fine - it's my professional qualification and it's what I think I do for a living, even though it's not within the framework of a firm of CAs.

This is a very good idea. My first year of car insurance started last year as I needed a car for my new grad job. Luckily I worked in a team of three along with my manager and they all had agreed to put the same job title. I had also asked higher up just to get confirmation and boss agreed with my line manager. I can't take any risks because my insurance is already costing me over £1k :eek: .

Again it would be interesting to see what take people from the insurance companies have. If your job description is not exactly the same as any of the options they give you how do you go about choosing it..... letter signed from management/HR?

Maniac

Morty_007

There is no Psychiatric Nurse option on the list. I am a psychiatirc nurse who teaches...not a nurse/staff nurse/matron etc