Car Insurance Job Picker Discussion

Nicholas-bloody-Parsons

Aluaka wrote: »

So, will I be:-
- unemployed (as I won't be signing on for some time if at all, and won't be seeking employment for a while)
- househusband (as my girlfriend, not wife, who I live with is working full time and I will be at home most days doing housework, DIY and probably installing a kitchen. We have no kids if that makes a difference? And are not married!)
- self employed - and if so as what? As I may dabble in ebay re-selling and register as a self-employed business.

Every insurer i ever ask is pretty vague when I ask what the definitions are. Different insurers tell you different things.

I think the bottom line is, if you have an accident, and you claim, that you are confident that can back up your status with the necessary paperwork. ( this is the only time they will look into it properly; ie when you need it).

From various conversations I had with insurers:-
Houseperson = "your partner must be in full time employment"
Self-employed = "you will be registered as 'self employed' with the tax office (eg have tge self employed tax code and pay your own tax etc)"
Unemployed = "claiming benefit"

Ive been told that its okay to have your status as "employed", as long as you are actively seeking employment; or if you "expect" to be employed within a couple of weeks.

As you have a partner, it would be easier to stick your name on her policy, for the time being?:A

lean&mean

Can't find any of these. My son's considering a career in stand up comedy but will the insurers find it as funny. Can anyone suggest a career category that works?

bikerbish

I have just informed my insurance company that I am now a housewife having been made redundant. I was asked if I was claiming any benefits, to which I responded "no" but volunteered the fact that I'd applied for Job Seekers but not yet had an interview or knew whether I was eligible. I was then informed that I would have to pay an additional premium of £75 as I was officially unemployed and more likely to be using my car during the day as I was not at work. I explained that I rarely used the vehicle due to costs etc and have everything I need within walking distance. I was informed that if my benefit claim was not sucessful, I could have a refund and be put on as a housewife. How is one meant to pay addtional premiums with no income? Why couldn't I have been classified as a housewife now? Fuming.....

hanelske

Hello all,

I am a post-graduate student, doing a PhD. and getting funding for it. I get paid the same as if I was working an admin-type job and I work the same hours (e.g. 9-5). When I get quoted for car insurance there is ~£150-200 difference between me being a 'post-graduate student' / 'mature student' and being a 'research scientist'. Technically I am not employed, however, I do receive monthly funding. If the insurance site just gives a selection box of job titles and I pick 'research scientist' over 'post-graduate student' could this be interpreted as lying? Has anyone had any problems making a claim with an 'incorrect' job title?

Thanks in advance,
H

jordan_2k1

A change of title for me reduced my premium from £485 to £400.
Very Impressed!
Thank you for this!

And instead of stating my car is on a driveway overnight, intuitively, to instead being parked on the road, it also reduced my premium by a further £15.

Thanks again!

unsaltedrhino

Is this tool no longer valid? I note it's not linked to from the main Car Insurance page and hasn't been updated since 2008?

hpuse

jordan_2k1 wrote: »

And instead of stating my car is on a driveway overnight, intuitively, to instead being parked on the road, it also reduced my premium by a further £15.

Thanks again!

Thats weird ! I thought keeping in a driveway reduces risk .....

Quentin

hpuse wrote: »

Thats weird ! I thought keeping in a driveway reduces risk .....

No, not "weird".

The norm these days.

hpuse

Quentin wrote: »

The norm these days.

Not exactly a "norm" as you think. It all comes down to claims history of the postcode in CUE. If one area has more claims involving garaged cars, street-parked motor insurance will be cheaper for drivers.
Insurers say one reason is that key thefts are more likely if the burglar knows which car belongs to which house.

Darfyddi

Please select... Unemployed House Person Retired Not Employed Due To Disability/Illness Maybe someone can help me please: I am trying to get a quote from Comparethemarket.com and putting my wife down as a named driver gives me the following option for employment:
"Not Employed Due To Disability/Illness" OR "House Person" - both of these are true but which one would you pick?


I have been insured with Elephant for a few years and during that time my wife was a FTS so I didn't have that problem on the forms. As I am her carer [so not unemployed (not in receipt of JSA)] I found it easier to select either "Independent Means" or "Carer - Non Professional" and then explain on the phone our exact situation so that at least I knew I was honest and gave them all the information.


I am here now though as you can't phone quote comparison sites but it could make a big difference with what you put down.