Telling white lies?

[Madmax]

Well, lying about your working background.

I do little jobs on the side, nothing permanent yet but as unemployed my quote for my 2.0 Gti Mk4
is £1,400 TPFT, with a job this comes down to £800 TPFT £1,400 full comp.

So, when do insurers ever check your working background? I've had a few accidents on the bike
& work has never been mentioned.

Cheers.

[firstgolfgti]

I think its all a bit to much big brother today.

All they're doing is making a profile of you and then share the info with other companies.
As long as you tell too many big white lines think thats fine.

Be careful with the second job thing though you never who is getting hold of this info.

And yeah it sucks.

[TeddyKGB]

Shakey ground, my friend shakey ground

Only people who benefit from the occupation thing are Police - but only knocks about £60 off my premium

[TurboBeast]

Shakey ground, my friend shakey ground

Only people who benefit from the occupation thing are Police - but only knocks about £60 off my premium

Not always true jobs affect insurance quotes a lot for example some companies give my dad lower quotes due to his job some won't quote him at all, all because he's in the motor trade.

[martinb]

Not always true jobs affect insurance quotes a lot

Yeah occupation can have a huge impact on the price as much as +/-30% in extreme cases. What TeddyKGB said is true to an extent, Police is a good occupation to have and will earn a discount with many underwriters but there are many others that are considered "low risk" and can lead to lower premium.

It is all based on risk assesment/claims stats etc and certain occupations statistically have many more claims hence have higher premiums.

Knowingly giving Insurers false or incomplete information is a very bad idea and could land you in no end of trouble. You really dont wanna give an insurance company a reason to void your policy if you make a claim leaving you liable for all the costs and possibly beaing convicted of no insurance?

A mate of mine recently had a bit of bother for a fairly simple mistake, he told his insurers that he only used his car for social domestic & pleasure use ONLY (no commuting), was involved in an accident and on the claims form there was a question "what was the purpose of your journey?" he put going to work and the insurers although still dealt with the claim, made him pay the extra premium for the commuting to be added before they would.

Martin 

[BobbyT]

its all good until you crash! i must admit when i was 20 odd i had 9 points!  i never told the insurance about them! and touch wood i never crashed and now have no points anyway! you pays your money and you takes your chances! i am not saying do it as i was young and being stupid  and if i had of crashed i would have been fooked but i was pulled over and all checked out as i was paying for the cover but i couldnt have afforded to pay with the points!  :embarassed:

[Mooby]

It is true that occupation does have an effect... but then I think they can put too much bearing on it.

My job is a software developer.  I work in an office on an industrial estate, and when I have the car at work It's sat in a dedicated car park outside.  It's the same for other people who work here.

But I've known some people have problems with their insurance because what my company actually does is writes software for the gaming industry (Arcades, casinos, bingo clubs).  "So what business is your workplace in?" answer is Gaming -> insurance goes up.  I guess because the computer decides the car will be parked outside grotty city-centre arcades half the time (not true... always use the company car or a hire car if travelling anywhere on business!)

So just be careful how you answer such questions...  And of course don't lie about it.. 

Can't you put down self-employed as a plumber or something?  since you kind-of-are...

[Nibbzy]

i worked for an insurance broker for well over a yr and let me tell ya now it makes a massive difference if your with the right insurer.... for instance a sales person should get it a lot cheaper than many oters simply because of the time you are in the office compared to the time the roads are busy... builders and plumbers have some of the cheapest insurance aswell dont ask me why that is but i know its true. police and anyone government related also get a greater reduction on there insurance. the highest rated employment is unemployed and students too if u are part time even it will throw it right up!

[martinb]

... builders and plumbers have some of the cheapest insurance aswell

Must vary with Insururs then as these tend to be higher rated ones through us......

[Mew]

Before i start, I don't know how true this is or where i heard it.......

Anyway, a while ago i heard that if your trade is a roofer you get raped for insurance. The reason being if it is raining you are less likely to be working, and more likely to be down the pub!