Telling the insurance my occupation, does it matter?

[Snow-Munki]

Hi,

just got an insurance quote which is.. well very very good

but i kinda 'lied' about my occupation telling them i'm an IT support staff, which i was... but currently not working as reently finished my degree and looking for jobs...

is this bad ? as i should hopefully be getting a job soon anyways.. does it matter wha u do as occupation ?

thanks

[Angus]

It depends....

If you don't need to claim, they won't bother checking..

But, if you need to make a claim they're likely to try and worm themselves out of paying out. If you've told a fib about your occupation, then you've supplied false information and therefore they can void your insurance.

And because they cancel it from the day of the claim, they don't have to refund you anything.

[Snow-Munki]

hmmm ... thanks

better get a job soon in that case

have been looking for AGESSSS but still onthing

[[GSV]Trig]

Technically as u lied your insurance is null and void....

[dkmech]

Surelly you can inform them of the change and they will amend this. Quite often it doesnt cost anything either. Just go to an insurance web site, get quotes for different professions and then phone them. If they claim it will have to rise in cost - tell em that u tried on sites and difference was small and that they shouldn't charge you much if at all. Similar thing happened when i changed address. They wanted higher renewal premium than on the old address. I told them all over insurance thought new address was cheaper. They then gave me legal protection for free and it actually worked out cheaper than with the last address.

[Eddy396]

It matters alright.

You claim and they find out you lied they wont pay out. You told them you are a policeman and your really a dustbinman then your in trouble.

There are two groups of people you must be honest with otherwise you'll get screwed that's the taxman and the insuranceman.

[Snow-Munki]

hmm thanks

might give them a call then and see how much if effects my premium...

hopefully not by a lot, i'm home a lot now

[XTR]

your policy has been rated wrong!!!
therefore..... in the event of a claim... it would be null and void as Trig said.

Students are often classed as a higher risk, but it depends on the insurance company..... It didnt make no difference when i got my quotes....

[Zak33]

job title is essential.

I have a nightmare, cos they think I will be driving a load of cars that i have for sale

I sold a car to a footballer once...his premium was MASSIVE because of potential vandalism at footy grounds

Same for Bar Staff.....if you get a prt time job at a pub and then it gets damaged you just dont want the insurance company knowing you were working in the pub at the time

[Snow-Munki]

well thanks guys

just told them and should have gone up a little as the whole thing about b/c i'm not working i'm obviously out all day driving like a nutcase...

but he said mine wouldn't go up

so very cheap insurance really, only paying £397 !!!

just called lloyds and they quoted me £850 !!

[Grey M@a]

don't do what i did for a bet and tell the insurance company that you were a professional drinker, never heard anyone hang up so quick in my life, was a laugh though

[Snow-Munki]

lol can't believe you do that

surely if they had your records they could refuse to insure you ever again ?

[Vimeous]

BTW if you're a youth worker or similar watch your premiums rise!

[Grey M@a]

lol can't believe you do that

surely if they had your records they could refuse to insure you ever again ?

Nope called a different company they knew the car i was wanting to insure but they insured me and £300 cheaper than the others to it was only a laugh but was extremely funny

[Raz316]

i asked the local rep if it makes much difference when we were sorting out temp cover when I was selling my 306. He said generally no, but if you work in marketing it goes up a bit.

[dkmech]

If you are a self employed builder some won't ensure u even if you just use car to get to a site. Because there may be loads of expensive tools in the car.