Insurance - is this common?

Taylor365

2 quotes below, the only thing that has changed is job occupation.

Online quotes from Liberty Insurance:

Astronomer:


Data Processor:


Is this common practice?

Special Circumstances

Astronomer? No, that would be a relatively uncommon practice.

Cee-Jay-Cee

There's at article on this very subject in yesterday's Independent. Occupation effects policy as jobs where your likely to travel quite a bit obviously place you in higher risk category.

Taylor365

Cee-Jay-Cee wrote: »

There's at article on this very subject in yesterday's Independent. Occupation effects policy as jobs where your likely to travel quite a bit obviously place you in higher risk category.

Even though you list your average kms?

Whose to say i don't work from home?

Dr_Bill

So if someone buys a telescope and calls themselves an astronomer they can save €147 a year on car insurance?

Seems astronomical the prices we have to pay for car insurance these days!

NIMAN

They're out of this world.

My premiums have gone into orbt recently.

Special Circumstances

I'm an astronomer, I study the Pleiades every day...

mullingar

This site should be a help to decide which occupation for cheaper insurance:

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/#sectors

To Elland Back

mullingar wrote: »

This site should be a help to decide which occupation for cheaper insurance:

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/#sectors

What's to decide? Your occupation, is your occupation, so just put that in

H3llR4iser

Wow, those Data Processors and their smashed hotel rooms, stashes of coke and hookers really command bigger premiums!

It's honestly quite funny...I can't figure out what difference it makes to driving if one is sitting at a telescope looking at Alpha Centauri, or sitting at a desk extracting information from a spreadsheet

porsche boy

IIRC the premiums are highest for TV & radio broadcasters, journalists & politicians. Anyone driving for a living is hiked up as well as anyone having any connection to the motor trade.

Naturally priests and librerian are good career choices along with general 'clerical' roles.

billy few mates

I would have thought the premium would be higher for an astronomer as they mainly work night shifts.....

A lot of nocturnal occupations or occupations that involve shift work where you might be driving home tired after a night shift attract a higher premium as I discovered to my cost until I switched job title to an internet researcher....

keithclancy

I heard they use this for the backend system:
https://www.random.org/

mhackett102

Im looking around for insurance quotes myself and I also tried Liberty and put in different occupations.

I am currently a student, but I also work part time and my family have their own farm - so I looked up 3 quotes with all the same details but changed my occupation with them.

Student - Cheapest quote
Part time Shop assistant - €275 more than being a student
Farm worker - €350 more than being a student

And here was I thinking that student will be the most expensive as they would be renouned as being "young" and getting up to "foolish driving"

wonski

billy few mates wrote: »

I would have thought the premium would be higher for an astronomer as they mainly work night shifts.....

A lot of nocturnal occupations or occupations that involve shift work where you might be driving home tired after a night shift attract a higher premium as I discovered to my cost until I switched job title to an internet researcher....

The funny part is they never ask what shift you work (and plenty of jobs involve late finish these days).

You could be a warehouse manager working nights and would pay same premium as a day shift employee doing the same job

Astronomers are being discriminated imo:D

coylemj

billy few mates wrote: »

I would have thought the premium would be higher for an astronomer as they mainly work night shifts.....

Not really, they go out late at night and drive home cold stone sober when there's very little traffic on the road.

Other night owls are treated differently, people in show business for example are loaded because the perception is that they have a couple of drinks after the show to unwind and then drive home.

Jockeys are loaded because they do a hard day's work and on lots of days they have to drive a long distance to get home.

wonski

coylemj wrote: »

Not really, they go out late at night and drive home cold stone sober when there's very little traffic on the road.

Other night owls are treated differently, people in show business for example are loaded because the perception is that they have a couple of drinks after the show to unwind and then drive home.

Jockeys are loaded because they do a hard day's work and on lots of days they have to drive a long distance to get home.

I get that, but data processor being loaded

billy few mates

coylemj wrote: »

Not really, they go out late at night and drive home cold stone sober when there's very little traffic on the road.

Other night owls are treated differently, people in show business for example are loaded because the perception is that they have a couple of drinks after the show to unwind and then drive home.

When I worked night shifts I used to go in late at night and drive home stone cold sober when there was very little traffic on the road absolutely exhausted barely able to keep my eyes open having to drive with the window open in the hope that the fresh air would keep me awake tanked up on red bull and strong coffee.....;)

dr.fuzzenstein

wonski wrote: »

I get that, but data processor being loaded

Well, they put up jobs on a wall and get blindfolded monkeys to throw different colored darts at them. The color dart that lands on a job determines the loading and sometimes they do actually sit down with a job spec sheet and say "I think we'll load this by 20, no 30, nah, make that 35%!".