Incorrect Occupation on Insurance?

RichyX

Can this cause any issues if you need to make a claim?

L1011

Yes, if they find out.

If you caused an accident on the way to/from work, I suspect it'd be a fairly major issue if you had a low risk weighted occupation listed; and were working in a high risk weighted one.

bazz26

It totally depends on how the insurance company rate it when they assess your risk equation when calculating your premium.

An office worker would have a lower risk of being involved in a traffic accident than say a construction engineer as the engineer would probably be on the road more going from site to site than an office worker who spends 8 hours at their desk.

RichyX

With Quinn being unemployed has one of the higher rates of insurance.
Bit unfortunate with the country in this state.

Mr. Manager

What if your job isn't listed? No insurance company has my role.

I work as a Security Operations Analyst for an online company and every time I'm on the phone they have it lsited as a "Security Officer" - would that have any bearing on my premium?

Eoin

There's probably a more generic job title you could give them? I don't really know what your job title means though.

I had a similar sort of problem where they didn't have my model listed in their database. As most of them came out the year after mine was produced, they put my car down as the previous version - so I just sent them a letter giving them all the details.

cieball

your occupation can have a loading on the premium some insurance companys will try but you down as a similar low loading occupation. once its something slightly similar youll be grand.

as for the office worker v construction worker...there is no price difference unless the construction worker states that they use the car for business use therefore there will be an extra loading cause they are using there car for there job making them a high risk but office workers are the same they could be going to meetings in other counties etc...

if you are unemployed say you are a househusband or housewife as it is a cheaper premium....the insurance system feels that unemployed are actively seeking work and could go into any type of employment ie, delivery drivers

CiniO

MYOB wrote: »

Yes, if they find out.

If you caused an accident on the way to/from work, I suspect it'd be a fairly major issue if you had a low risk weighted occupation listed; and were working in a high risk weighted one.

What jobs would be high risk and what would be low ones?

Henry Ford III

Accountant, solicitor etc. would be lowest risk.

Publicans, DJ's, jockeys etc would be high risk.

Berty

Hibernian used to have me as a "Forklift Driver" even though I was a Salesrep. I changed occupations during my policy and they tried to cancel my policy as they do not insure sales reps. I said I would take them to the Ombudsman. They changed my occupation and said it wouldnt be an issue.

I dont know if it would because I never had to use my insurance.

Run_to_da_hills

Henry Ford III wrote: »

Accountant, solicitor etc. would be lowest risk.

Publicans, DJ's, jockeys etc would be high risk.

Anyone in the music business including live bands would be crippled if they stated the truth. Most bands and DJ's only work part time at weekends and would use the van for another porpose. One way out of it is to state that the van is to be used for "own Goods" and keep your mouth shut.

guil

i was insured with axa and they wouldnt offer driving other cars cos i drive a truck

CiniO

guil wrote: »

i was insured with axa and they wouldnt offer driving other cars cos i drive a truck

??
It doesn't make sence.

johndaman66

eoin wrote: »

I had a similar sort of problem where they didn't have my model listed in their database. As most of them came out the year after mine was produced, they put my car down as the previous version - so I just sent them a letter giving them all the details.

Would imagine that problem was or maybe still is commonplace enough with the raft of Jap imports that came into the country over the last number of years.

johndaman66

CiniO wrote: »

What jobs would be high risk and what would be low ones?

Oddly enough somebody was telling me once that Quinn load insuarance premiums for members of the Gardai who had completed advanced driver courses. I think though as with many other particulars that occupation is another one of these things that will be viewed differently from one insurance company to the next

CiniO

CiniO wrote: »

??
It doesn't make sence.

Yeah the same occurred to my brother 10 years ago. He was 20 and driving a truck and he had a punto which the insurance company wanted over 3 grand at the time.

I remember him going into the insurance broker asking why he was higher than a normal user, he got the usual underwriter stuff.

He was only after coming back from doing a run to Italy and he was hauling Apple computers, which was an expensive haul.

Anyways the funny thing was, he was driving an artic very young at time and hauling a substantial amount of goods in that job, yet the insurance for the truck was cheaper than the punto.

Madness.

zilog_jones

Cereal Rapist wrote: »

I work as a Security Operations Analyst for an online company and every time I'm on the phone they have it lsited as a "Security Officer" - would that have any bearing on my premium?

The IT-related job listings that insurers use are horribly old-fashioned, I'd just put down "computer operator" or something similarly vague.

cieball wrote:

if you are unemployed say you are a househusband or housewife as it is a cheaper premium....the insurance system feels that unemployed are actively seeking work and could go into any type of employment ie, delivery drivers

I'd say it's more that someone who is unemployed is statistically more likely to take risks, more likely to commit suicide, etc. Same goes for being single versus married.

L1011

zilog_jones wrote: »

I'd say it's more that someone who is unemployed is statistically more likely to take risks, more likely to commit suicide, etc. Same goes for being single versus married.

You'd almost wonder if married is any less risky these days, what with our antiquated seperation/divorce rules...


As goes the jobs in question, I can describe my job in two categories, and it varies from company to company which is cheaper ("medical devices" and "computer software"). They have a seriously 1970s job listing.

January

You work in IT, just tell them that!

RichyX

I've been going through the numerous jobs I could be considered to hold.
Unemployed is by far the highest, while student is the lowest, coming in at a good 200€ lower than unemployed.

I'm working freelance in various film production positions, while taking a few courses too.
Still not sure what to do

Skuxx

Quinn don't have my occupation of an aircraft mechanic on their database but they have "folding cardboard boxes" as one!

Mr.David

I tend to keep it vague....they tend not to like people who work in the motor industry I guess they expect us all to be into 'modding' or 'enthusiastic driving'.


I just put down mechanical engineer for job, and manufacturing for business.

It is true, its just a bit vague.....:)