surely an insurance loophole??

chriswilks

Astra CDTi track car
Jun 3, 2007
330
0
warrington cheshire
just been on confused.com and been getting quotes and when it asked my profession it listed brewery worker so i thought that will do!!then my brother told me NO dont put that put service tech....anyway it made -£600 difference!!!!both fit a my job description so its not fraud or anything before anyone goes off on 1!!!
if theres more than 1 job description that suits you give it a go.:p
 

RikH

Texas Cowboy
Oct 17, 2005
2,474
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Yorkshire
saying your a doctor puts it up if anything
my brother has found this against mine-pays more than me and is 2 years older with 2 more years NCB on a lower grouped car
 

225

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Feb 8, 2004
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uk
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Just be careful though, should you crash say on your way to work they may very well be a pain in the ar5e about it.
 

lc_allan

Northern Monkey
Sep 15, 2006
3,389
4
Just be careful though, should you crash say on your way to work they may very well be a pain in the ar5e about it.

Unless you have recently 'changed jobs' and you are under no requirement as far as I know to inform your insurer :)
 

Matt85

Active Member
Feb 6, 2007
62
0
Bucks
So true, when I was doing quotes and putting in different job titles, I found that putting that you were a student was the cheapest and saying you were unemployed worked out the most expensive :confused: Was relatively a big percentage difference in price too!
 
Mar 26, 2007
2,020
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S.Wales
i think the key thing here is that chris is saying both descriptions fit his job description, that is NOT fraud, that is simply using their systems to your advantage.

If you use a job description that doesnt fit with your job then they have grounds to declare your policy invalid, just read the T's & C's of your insurance policy. ;)
 

Wackojacko

Newbie
Aug 21, 2006
93
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Maidenhead, Berks
Ha, Similar to what i have done. I work in the Broadcast Industry, and the insurance companys brick it and think that your going to be driving Celbs around and put your Premium though the roof !!

I Personally my Bank manager prefers it if i am a "Electronic Enginner" how lovely and inspecific.
 

lard44

Watching C beams...
Apr 30, 2007
474
0
Braintree, Essex
My girlfriend is a project co-ordinator for a maintenance firm.

Her title according to the insurance (and there were no other options!)..."co-ordinator"

Co-ordinator of what? Dance?
 
Jan 22, 2007
2,074
0
some may say lala land....
I work in IT, just about one of the most varied roles available, and they all get lumped under normally. Not sure what you do should affect your premium anyway as 95% people use for personal and commute, so where does my job fit that? I use pool car for business.
 

weeksuk

Guest
Unless you have recently 'changed jobs' and you are under no requirement as far as I know to inform your insurer :)

very very wrong. If you are a brewery worker and they have that as an option and you cose not to put it this will invalidate your insurance and the compnay can refuse to deal with the claim
 

lc_allan

Northern Monkey
Sep 15, 2006
3,389
4
very very wrong. If you are a brewery worker and they have that as an option and you cose not to put it this will invalidate your insurance and the compnay can refuse to deal with the claim

It might be, I have not done this or condone it but a job change/title is not a requirement to inform the insurer. So if you took the policy out as a student and got it cheap and half way through the policy you are now a brewery worker then it's not time to tell them until renewal etc... :)
 

weeksuk

Guest
It might be, I have not done this or condone it but a job change/title is not a requirement to inform the insurer. So if you took the policy out as a student and got it cheap and half way through the policy you are now a brewery worker then it's not time to tell them until renewal etc... :)

no m8, you would need to inform them straight away as it is a material fact that effects the rating of the policy.
 
Mar 26, 2007
2,020
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S.Wales
I think what the thread starter is trying to say is that sometimes not all the job options are mutually exclusive.

If I'm a computer technician, employed by (and working in) a single brewery, am I a brewery worker (due to where I work), or am I a computer technician (due to the job I do)? Personally I think this is a very confusing issue, and that the insurance company would be hard pushed to complain about you choosing the cheaper of the two options, since you'll probably have a contract which describes both the job and where you work.

I'm not a legal expert obviously, but I think I see where the original poster is coming from...

thats quite right, if the job description you select does in fact match your job then the insurance company have no grounds to invalidate your insurance.
 

air121005

Active Member
Sep 28, 2006
1,609
6
Worcestershire
So true, when I was doing quotes and putting in different job titles, I found that putting that you were a student was the cheapest and saying you were unemployed worked out the most expensive :confused: Was relatively a big percentage difference in price too!


aren't they the same thing anyway? :whistle:
 

CHRIS200

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Oct 4, 2003
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Fleet, Hants
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Try putting in that you are a Police officer, this dropped my premium by about £200. Unfortunality or fortunality, depends how you look at it, I don't work for the old bill!!
 

RobM

Back from the dead...
Sep 27, 2006
4,982
3
Southampton
Just be careful, as if you try and enter jobs that are too different from each other you'll end up being refused insurance and, possibly, listed as somebody trying to commit fraud.

Things that are similar, such as 'chartered accountant' and 'accountant', or 'layer' and 'solicitor' - to use the examples from the article above - are fine as both descriptions could match your job. But if you're an accountant and you get a quote based on a Policeman, then a Librarian, then a solicitor, you'll very quickly get caught and it will be assumed you are doing it to defraud the insurer.
 

Triple D

Guest
Ok, so im in a dilema then, im in full time employment, yet my work is paying for me to go to college, so im effectivly a student then....... is that right?
 
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