Redundancy caused a big issue for me and insuring my car. I had to renew whilst I was out of work and a lot of the insurers wouldn't touch me. Also, apparently I was much higher risk driving 1k miles per year whilst unemployed than I was doing 10k per year employed. Insurance is a scam.
car insurance after redundancy
- Thread starter bigmike20vt
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looks like house husband it is come renewal time then assuming i dont have work by then. its not like i will be claiming any benefits so to all intents and purposes that is what i will be.
i highly doubt any housewife phones their insurance the moment they choose to look for a job, and only do it once they get offered one.
I dont suppose it will help my mate however as it will probably look v suss if she changes hers now after arguing with them and paying a few times to switch already
The one thing it will prbably change for me is, i will likely think twice before taking on a short term position for a few weeks and initially at least i wont register with any agencies which seems bonkers when it is because of car insurance!...
but with a group 50 car i cannot risk being told the insurance wont touch me because i dont have a job.
i highly doubt any housewife phones their insurance the moment they choose to look for a job, and only do it once they get offered one.
I dont suppose it will help my mate however as it will probably look v suss if she changes hers now after arguing with them and paying a few times to switch already
The one thing it will prbably change for me is, i will likely think twice before taking on a short term position for a few weeks and initially at least i wont register with any agencies which seems bonkers when it is because of car insurance!...
but with a group 50 car i cannot risk being told the insurance wont touch me because i dont have a job.
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The job title stuff is such crap, it needs a serious overhaul, I mean I could call myself an office worker, or a technical analyst, or an IT consultant, or a project manager, or a service manager, or a bunch of other stuff, all are perfectly 'valid' depending on what day of the week it is.
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So did I, on both cars. I still didn't tell them.
Just put something hard to disprove, like contractor. Even if they wanted to check they would need to get the "proof" from you (GDPR lols), which is probably why they never seen to bother.
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for some jobs being as vague as possible may be the answer.. i guess that is why drug smugglers are all in "logistics"
for some jobs being as vague as possible may be the answer.. i guess that is why drug smugglers are all in "logistics"
Or a pharmacist
One of the main reasons is that unemployed people are considered a greater fraud risk.
Depending on your age I wonder if you could play it as early retirement, then when you find a job decide retirement is not for you. Probably a card you can only play the once though.
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perhaps. I must admit I am completely confused with the law about this sort of thing . As an individual it is offensive really to assume I am likely to be a law breaker just because my work contract came to an end , even if statistically it may be true.
imagine if people of colour were deemed more likely to be in an accident or certain religious groups so were charged more there would be hell to pay.
but unemployed people or young males are fair game it seems.
I do "get" where insurance companies are coming from. statistics don't lie as such (but can be manipulated) and if it were my money I would charge more for some demographics than others......
but why is it ok to pick on some groups but not others? .
I remember a copper using the argument about stop and search being biased towards young black males in some areas and he said it was because they were more likely to be in gangs carrying illegal stuff and he was ripped to pieces even tho it was widely accepted to be true
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its a good idea and not impossible for me that I could be retiring (I wish!!, I will be 50 in jan, retirement would be the dream!)
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Soldato
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They also claim because unemployed on lower income, they wouldn't be able to afford the servicing therefore riding dangerous vehicles.
yeah I call BS on that one. ...also 16 hour job pays less than the benefits...soo...LOL
Even though unemployed people are likely going to be driving far less in the first place.
They probably don't like "unemployed" because it means they might not get paid lol. They say it's "stats based", but some of it is obviously fudged.
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Soldato
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exactly. It's just punishing the worst off.
and yet salesmen jobs, or delivery drivers where they're on the road all day and on the clock to get the destination as quickly as possible wouldn't get higher premiums
