Barman Refused Car Insurance

DeanSmedley

Just bought a car, and have been refused insurance by two companies due to entering my occupation as barman.

Is this common? Anyone recommend a company that doesn't have this policy?

stephendevlin

DeanSmedley wrote: »

Just bought a car, and have been refused insurance by two companies due to entering my occupation as barman.

Is this common? Anyone recommend a company that doesn't have this policy?

High risk of you having a pint/10 after work and driving home with/without passengers.

Ferrying people home also even without alcohol I imagine they base their risk on. Accident and then claims from occupants.

tin79

I thought it said batman :mad:

Dr. Kenneth Noisewater

DeanSmedley wrote: »

Just bought a car, and have been refused insurance by two companies due to entering my occupation as barman.

Is this common? Anyone recommend a company that doesn't have this policy?

**** it, tell them you're a priest.

Actually no, that mightn't be the best idea either.

AltAccount

Is it possible you just work in Retail, rather than as a barman?

DeanSmedley

I don't even use my car for work as I just walk it's so close.

S28382

No it wouldnt make a difference when i was working in a bar i got insurance no problem you might just have a ****ty insurance company or there is something else you got refused on.

keppler

My friend was refused car insurance by tesco because he is an electrician and would be driving to a different place of work quite regularly.

DeanSmedley

Companies that refused were Tesco and Liberty. I rang up Tesco and she explicitly explained it was because of my listed occupation.

S28382

DeanSmedley wrote: »

Companies that refused were Tesco and Liberty. I rang up Tesco and she explicitly explained it was because of my listed occupation.

Jesus what assholes

DeanSmedley

I'm not bitter. Just surprised.

CiniO

OPs example ideally shows that car insurance system in this country is very very far from being normal.

crusher000

I had same problem years ago when I was a barman also was quoted higher rates because of occupation. Another thing they factor in is that the person that has just left your bar drinking may drive home and crash into you. I kid you not. Are there other job roles in the bar. ie the place I worked did B&B also so I described myself as receptionist as I would have booked people in from time to time. Do you do the stock take or any other jobs ?

Triangla

I would have thought it would be cheaper as the roads are quieter at that time of night.

Boardmaster

Are you sure you didn't get promoted to a beverage analyst..?

murrayp4

Have you tried 123?

bmstuff

keppler wrote: »

My friend was refused car insurance by tesco because he is an electrician and would be driving to a different place of work quite regularly.

Business insurance, thats a different issue all together.

Anan1

Triangla wrote: »

I would have thought it would be cheaper as the roads are quieter at that time of night.

Quieter but far more dangerous.

keppler

bmstuff wrote: »

Business insurance, thats a different issue all together.

Why would he need business insurance when he doesn't own a business?

He's just an electrician employed by company.

donegal_man

crusher000 wrote: »

I had same problem years ago when I was a barman also was quoted higher rates because of occupation. Another thing they factor in is that the person that has just left your bar drinking may drive home and crash into you. I kid you not. Are there other job roles in the bar. ie the place I worked did B&B also so I described myself as receptionist as I would have booked people in from time to time. Do you do the stock take or any other jobs ?

I had the same experience many years ago when working as a barman. I was also told that there is a greater risk of you suffering criminal damage if you refuse someone and he recognizes your vehicle.

andyseadog

i'l tell you a better one, i work for tesco, have done for over 2 years now and they wouldn't even quote me for car insurance last week

eringobragh

andyseadog wrote: »

i'l tell you a better one, i work for tesco, have done for over 2 years now and they wouldn't even quote me for car insurance last week

Tesco is more then likely the 'broker' is this case...obviously someone else is the underwriter.

EDIT: They are underwritten by RSA and won't insure me on an MR2 (online anyway) yet 123 has same underwriter and will insure me..

...guess there looking for less risky cars.

Doom

Damn, I thought it said Batman refused car insurance

First Aid Ireland

I was refused by 123 because I'd lived in Australia for a few years. Madness.

eringobragh

First Aid Ireland wrote: »

I was refused by 123 because I'd lived in Australia for a few years. Madness.

They tried that ****e with me...threaten them with the ombudsman and they will back down

Gary ITR

I got a fantastic quote from 123 this year on the SiR, they seem to have started insuring Jap stuff now. They wouldn't quote me on the Integra a couple of years ago

eringobragh

Gary ITR wrote: »

I got a fantastic quote from 123 this year on the SiR, they seem to have started insuring Jap stuff now. They wouldn't quote me on the Integra a couple of years ago

They wouldn't insure MR2 imports a month or 2 ago..is this a recent thing?

TestTransmission

eringobragh wrote: »

They wouldn't insure MR2 imports a month or 2 ago..is this a recent thing?

Wouldn't quote me on the s2k, common theme with insurance companies unfortunately.

MugMugs

TestTransmission wrote: »

eringobragh wrote: »

They wouldn't insure MR2 imports a month or 2 ago..is this a recent thing?

Wouldn't quote me on the s2k, common theme with insurance companies unfortunately.

Chill considered my UK Avensis an import and loaded me over a standard Avensis....

Our man in Havana

I thank the lord I don't have to deal with the vultures here anymore.

Uncle Ben

This isn't a new phenomenon, I started in the bar-trade in Dublin in 1983, and even then insurance companies were charging a loading because of this occupation. I remember one of the first things I was told was that if seeking car insurance, the trick was to describe your occupation as a shop assistant. It was the common job description that almost all of us gave, and it was even easier if the pub was owned by a group/company, as it was far better than giving the address as 'The White Horse', for example.

eringobragh

Antares wrote: »

Chill considered my UK Avensis an import and loaded me over a standard Avensis....

Feck sake every car that comes into this country is an import...We don't make any :rolleyes: Joke...123 are pretty reasonable next quote down for me is €600 dearer and thats only TPFT!

Jimdagym

I worked in pubs for 4 years and had no problem getting quotes in those times. Very strange OP.

deandean

Musicians and bakers are on the same 'high risk' list. I kid you not.