Right my brother has passed his test today, and he bought my escort gti off me as his first car.

Ive had a few quotes for him but one of his mates works for swinton, and told him that because he is a chef they class them as a lot more likely to drink and drive, therefore making his insurance considerably higher. He said if possible to not put occupation as a chef and as something else within his industry ie baker, cook etc, which isnt technically totally lying.

So ive just done him another quote as a Baker instead of Chef and its came back £500 cheaper, making it £1100!

Its no wonder insurance companies make so much! The best thing is his flat is 20mtrs from his restaurant so its not as if hes ever gonna drive :lol

Now my question is how do they know what your occupation is anyway? theres no proof asked of what your job is, so surely you can say what you want as you dont need to prove it if you have an accident or claim etc?

 

im sure my insurance company love the fact i work as a barman and drive to work!!! i think i listed my occupation as student last time tho, i wonder which is worse

 

many years ago at our place, we got our job discriptions changed, from engineers to technicians, for car insurance reasons!

 

Try insuring it just for Domestic, Social & Pleasure and not for to and fro from work.

 

i always remember getting a quote off diamond and the bloke told me to put health care assistant instead of auxiliary nurse as it brought my insurance down, its the same job but with 2 names so i wasnt doing anything wrong, im sure it was cheaper

its ridiculous really aint it

 

I said this to Lee seeing as he aint ever gonna use it to drive over the road, but if he moves then he would need to change it? Might give it a go see if it goes down a bit, but tbh i dont think £1100 for an escort gti when youve just passed is a bad price? hes 24 mind

 

So i am a student so what could i put down to bring down my car insurance???

 

Put in "catering assistant" and see what comes up.

 

No its not bad considering the GTi is group 13 i think.

When i had mine i had 6 years no claims and im 23, i was paying around £550-600

 

I'm under electrical engineer, which is quite good.

 

couldnt find one for that on confused, i take it your a chef too lol

 

motor trade/mechanic etc bumps it up a fair bit too

 

we have a traders policy

i personally think they should be insuring you based on your car and convictions not bloody career

 

anyone know if lorry driver is good or bad in terms of insurance?

 

start your own thread

 

I totally agree with that statement. You should only get penalised for what you have done and not what you could do.

 

if the world was based on what if's, nobody would get house insurance or health insurance so why should car insurance be different!!!!

 

fcking stupid isnt it, just like the £99 6months road tax a payed last week

 

yeah that gets right on my nerves too, i might get shot of the vr6 and get a small engined wreck at this rate lol

Sarah

 

dont i know it. apprentice mechanic 2000 for a ford fiesta mk4 1.25 20yrs

 

So am i seems they dont have remote operated vehicle technician. Yo should hear them at the other end when i say i'm a rov technician lol

 

i have to tell them i'm a "road worker" cos my job isn't listed..................once i asked if putting down "brain surgeon" would lower my quote...................some people have no sense of humour..........

 

Mine seems to be good, it should help considering you're a professional driver, and passed a proper driving test.
Play around on Elephant to check is best answer.

What pisses me off is factors they don't consider.
I drive to work at 3:30am, so nothing to hit, no rush hour etc, and work is secure parking with security guard, none of this matters!
Also as an advanced driver discount equated to 1%

 

They use information from past claims to assess the likelyhood of a particular occupation being involved in an accident, and the same with types of car and with where you live.

There must have been above average claims resulting from incidents with cars driven by chefs. The fact they are likely to be driving home at night when all the idiots are out doesn't help, even if the chef hasn't been drinking. Bakers are more likely to be driving to work at 4.00 in the morning, all the idiots are locked up by then or are in A&E.

I'm an electrical engineer but I live in the wrong postcode area.

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Worst one is to say your a Managing Director....

Alex

 

is there something somewhere that tells you what grade each job is?

as i work for a mag they reckon journalist is the one of the highest, but as im not out chasing peeps about, i just say that im in editorial.

would be interesting to see what jobs are classed as

 

Yea i agree with dan, would be very interesting to see what job's are rated high and which one's are'nt.

Wonder if my job's is a high one? Electrition??

 

we got an escort gti a couple of years ago as a run around, when the renewals came round they wanted £1000 to insure a 350bhp 3 door & £900 to insure a standard gti

 

what I love about insurance companies is, Renewal time!!

just let your policy run thru to the next year just like they want you to... then realise for some reason, you are paying MORE this year than you did last!! maybe only £20 or £30, but why?

because if you phone them up as a 'new customer' you get a quote about £100 cheaper then you are paying!!' scandalous how they can just chop and change prices just as they feel... robbing coonts!

 

My mates a Musician and that put his insurance up quite alot! He even considered not getting the car the tight bastard!

 

Pee Vee - was £200 difference for me, renewal £680 (up from £540) to £480 with same details.
Twat on phone said I was in luck and could have that price....

 

PMSL.. oh so gracious of them!

 

Yeah had to bite my tongue a bit!
Same every year, but people who don't check are asking for it I suppose.

 

Best yet, my mate was with Direct line for 9 years!!! just let it run on and on.

After 9 years he had a little bump, fender bender. Then finds out that over the years they have stripped his policy to the basics as you now have to opt for the extra's.

Yet have been charging him a little more each year!!

 

Hw should check the paperwork then!