Insurance question - employment
Discussion
Hi
I wanted to ask for a quick straw poll opinion of knowledgeable PH'ers, whether I'm over-thinking my situation.
I'm applying for car insurance. I have a job lined up - accepted written offer - and my job starts in December. When asked for my employment details, I've been selecting 'unemployed' as technically I don't have a job today, or when I want the insurance to start. However, when I went through a telephone quote for temporary insurance just now, when I explained this situation, they listed my profession instead of the unemployed option. This of course changes the amount of the quote significantly from what I've been getting listing my profession as unemployed.
Am I over-thinking things by putting down unemployed? Should I just list my profession, albeit I'm between jobs right now with a definite job starting in December? I'm not currently "Employed (full time)" which is the usual option, but does having a guaranteed job start somehow change that? I don't think it does but I'm confused by the approach taken during my recent quote.
Thanks
I wanted to ask for a quick straw poll opinion of knowledgeable PH'ers, whether I'm over-thinking my situation.
I'm applying for car insurance. I have a job lined up - accepted written offer - and my job starts in December. When asked for my employment details, I've been selecting 'unemployed' as technically I don't have a job today, or when I want the insurance to start. However, when I went through a telephone quote for temporary insurance just now, when I explained this situation, they listed my profession instead of the unemployed option. This of course changes the amount of the quote significantly from what I've been getting listing my profession as unemployed.
Am I over-thinking things by putting down unemployed? Should I just list my profession, albeit I'm between jobs right now with a definite job starting in December? I'm not currently "Employed (full time)" which is the usual option, but does having a guaranteed job start somehow change that? I don't think it does but I'm confused by the approach taken during my recent quote.
Thanks
flagrunner7 said:
Hi
I wanted to ask for a quick straw poll opinion of knowledgeable PH'ers, whether I'm over-thinking my situation.
I'm applying for car insurance. I have a job lined up - accepted written offer - and my job starts in December. When asked for my employment details, I've been selecting 'unemployed' as technically I don't have a job today, or when I want the insurance to start. However, when I went through a telephone quote for temporary insurance just now, when I explained this situation, they listed my profession instead of the unemployed option. This of course changes the amount of the quote significantly from what I've been getting listing my profession as unemployed.
Am I over-thinking things by putting down unemployed? Should I just list my profession, albeit I'm between jobs right now with a definite job starting in December? I'm not currently "Employed (full time)" which is the usual option, but does having a guaranteed job start somehow change that? I don't think it does but I'm confused by the approach taken during my recent quote.
Thanks
You asked this a couple of days ago...I wanted to ask for a quick straw poll opinion of knowledgeable PH'ers, whether I'm over-thinking my situation.
I'm applying for car insurance. I have a job lined up - accepted written offer - and my job starts in December. When asked for my employment details, I've been selecting 'unemployed' as technically I don't have a job today, or when I want the insurance to start. However, when I went through a telephone quote for temporary insurance just now, when I explained this situation, they listed my profession instead of the unemployed option. This of course changes the amount of the quote significantly from what I've been getting listing my profession as unemployed.
Am I over-thinking things by putting down unemployed? Should I just list my profession, albeit I'm between jobs right now with a definite job starting in December? I'm not currently "Employed (full time)" which is the usual option, but does having a guaranteed job start somehow change that? I don't think it does but I'm confused by the approach taken during my recent quote.
Thanks
SydneyBridge said:
If you need cover to drive to and from work, you need to say your occupation, even more so if you need to drive during work
My point is the options are commonly Employed (full time), Employed (part time), Unemployed, Retired, etc. At the time of purchasing and starting my insurance, I will technically be unemployed until I wait for my job to start a few weeks later. So, I've always selected 'Unemployed'. However, speaking in person to an insurance rep, I explained my situation and they processed my quotation as employed on the basis that I'll have a job in 6 weeks time. That's the part that didn't strike me as correct, which is why I'm asking if anyone has experience of this.Arguably if you have accepted a job offer that is your occupation. You are just not working for the next 6 weeks. No different from a long holiday.
Did you note the time and date iof the conversation. Presumably these call are recorded so you would have proof of the conversation if needed.
Did you note the time and date iof the conversation. Presumably these call are recorded so you would have proof of the conversation if needed.
I would think that actually drawing unemployment benefit would be the key factor?
That being said, the occupation question always seems a bit vague. When I was still working I could have truthfully ticked at least three of their list of choices.
A colleague from many years ago earned more (in various forms) from playing semi-professional football than in his junior scientific civil servant job. He eventually became a respected academic - so his real ‘occupation’ was never in any doubt, but I often wondered if he would have been classed as a high risk footballer if he had been unlucky enough to make a claim at that time.
That being said, the occupation question always seems a bit vague. When I was still working I could have truthfully ticked at least three of their list of choices.
A colleague from many years ago earned more (in various forms) from playing semi-professional football than in his junior scientific civil servant job. He eventually became a respected academic - so his real ‘occupation’ was never in any doubt, but I often wondered if he would have been classed as a high risk footballer if he had been unlucky enough to make a claim at that time.
As per my advice on your other thread if you go via a broker ( Keith Michael’s was also mentioned as a good idea from another poster ) you can just explain your scenario to them and let them sort.
Trying to do via a search engine matrix is not what they are set up to do.
Given your circumstances I would just be honest and say exactly what the position is.
You are currently working not working when the policy starts but will be shortly afterwards.
The premium will be different.
Trying to do via a search engine matrix is not what they are set up to do.
Given your circumstances I would just be honest and say exactly what the position is.
You are currently working not working when the policy starts but will be shortly afterwards.
The premium will be different.
flagrunner7 said:
Lo-Fi said:
You asked this a couple of days ago...
Actually, I didn't. Please re-read my post of a couple of days ago.flagrunner7 said:
Hi all
Looking for any advice or options that I may have missed in my situation. I'll try to keep it brief.
- Obtained UK licence in 2000
- Moved to Canada in 2019 and obtained Canadian licence
- Returning to UK next month, will be obtaining UK licence
- Will be unemployed for the first 6 weeks, but have a confirmed job start in December.
The best quote I found was Marshmallow at around 100 per month, however this is listing my profession as the job I'm starting. Technically, as I want to start the insurance when I arrive, I will have to state that I'm unemployed. Which makes the quote over 160 a month!
I've looked for temporary insurance (again stating I'll be unemployed for the temporary period) but I get not hits.
I think my only option, other than waiting until I start my job to drive, is to take the higher price for 6 weeks and then update my profession in the hope that it lowers my insurance to the 100 per month, or alternatively to cancel the policy at that point and pay a 75 pound administration charge.
Has anyone been in this situation, or has any advice for any alternative options?
Thanks
Looking for any advice or options that I may have missed in my situation. I'll try to keep it brief.
- Obtained UK licence in 2000
- Moved to Canada in 2019 and obtained Canadian licence
- Returning to UK next month, will be obtaining UK licence
- Will be unemployed for the first 6 weeks, but have a confirmed job start in December.
The best quote I found was Marshmallow at around 100 per month, however this is listing my profession as the job I'm starting. Technically, as I want to start the insurance when I arrive, I will have to state that I'm unemployed. Which makes the quote over 160 a month!
I've looked for temporary insurance (again stating I'll be unemployed for the temporary period) but I get not hits.
I think my only option, other than waiting until I start my job to drive, is to take the higher price for 6 weeks and then update my profession in the hope that it lowers my insurance to the 100 per month, or alternatively to cancel the policy at that point and pay a 75 pound administration charge.
Has anyone been in this situation, or has any advice for any alternative options?
Thanks
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