Do Insurance Companies require proof of employment?

HiThereHowAreY

Do I need to provide proof of employment to get car insurance?

I'm looking at getting a new car and I noticed that my quote changes depending on what job I say I have. If I put my real occupation (I work in an amusements), my quote goes up by almost 800 euro!

So yeah, As asked. Do I need to provide proof of employment?

Aint Eazy Being Cheezy

No. Not at first. If you've to make a claim you may be asked at that stage though.

joujoujou

HiThereHowAreY wrote: »

[...] Do I need to provide proof of employment?

Never been asked for one. :cool:

HiThereHowAreY

That's a bit of good news I guess. Some companies even refuse to provide me with a quote when I choose that as my occupation.

chickenlicken2

If you ever had to claim under the policy and this came to light you may have some difficulty.

HiThereHowAreY

It's incredibly disgusting that putting my real occupation drives up the price so much. Jesus christ Insurance companies don't give anyone any breaks.

chickenlicken2

I believe it's the same situation for take away drivers.

The difference in premium related to the employment is related to being placed in a higher risk category.

Just keep shopping around unfortunately is the best you can do.

Atlantic Dawn

Would there not be a general operative option that might give a cheaper quote? That or a cashier, supervisor or something along those lines where technically you would generally be correct.

pippip

Exactly, put doctor and tell them you are in charge of the first aid box.

hattoncracker

HiThereHowAreY wrote: »

Do I need to provide proof of employment to get car insurance?

I'm looking at getting a new car and I noticed that my quote changes depending on what job I say I have. If I put my real occupation (I work in an amusements), my quote goes up by almost 800 euro!

So yeah, As asked. Do I need to provide proof of employment?

Not when you're signing up, but God help you if you have a claim or if you do mistakenly mention it to them on a call in the future.

They see occupation as a material fact, if you lie or misrepresent, and then you claim, (especially if it happens in relation to your work, even if you're not towing or anything) there is no way they will pay out on it, except their legal liability to a third party (whereby afterwards they have the right to take you to court to recoup the money)

Also, if they just randomly find out and you non disclosed and they have a recorded call of you non disclosing, they'll void your policy back to inception, and good luck getting insured with anyone else when you've had a voided policy due to non disclosure.

Theres a reason why your true occupation is rated so highly. If you misrepresent on this now just to save a quick buck, you could cause yourself a world of grief down the line. Insurance is only important when you have to use it, so make sure you're not shooting yourself in the foot.

HiThereHowAreY

**** this then. I cannot afford the extra 800 euro that comes with my job. I really don't see why my job would drive it so far up.

hattoncracker

HiThereHowAreY wrote: »

**** this then. I cannot afford the extra 800 euro that comes with my job. I really don't see why my job would drive it so far up.

It's an occupation that would typically have antisocial hours, and there is a travel element to it, that's probably why it's rated so highly...

Who all have you tried quote-wise?

HiThereHowAreY

hattoncracker wrote: »

It's an occupation that would typically have antisocial hours, and there is a travel element to it, that's probably why it's rated so highly...

Who all have you tried quote-wise?

I've tried Axa(quote pushed up by 800 euro against a different job), Liberty(over 4000 euro), Aviva, Its4women, AIG, boxymo(staying away from them because of terrible reviews), 123, One Direct, Chill, Quote Devil.

Most of them refused an online quote with my actual occupation and I haven't tried ringing them yet, but it doesn't bode well for me if they refuse the online quote like.

chickenlicken2

Why not ask some of your colleagues who they are insured with?

I know some insurers offer a discount if you don't use your car for commuting - they may request proof of this such as an annual bus or rail ticket. If you don't take your car to your workplace this could be worth looking at.

HiThereHowAreY

chickenlicken2 wrote: »

Why not ask some of your colleagues who they are insured with?

I know some insurers offer a discount if you don't use your car for commuting - they may request proof of this such as an annual bus or rail ticket. If you don't take your car to your workplace this could be worth looking at.

Those that drive(Two) and are the same age as me, are just named drivers. The rest of the people I work with either don't drive, or are at least 10 years older than me and have been driving for ~10 years.

FishOnABike

chickenlicken2 wrote: »

I know some insurers offer a discount if you don't use your car for commuting - they may request proof of this such as an annual bus or rail ticket. If you don't take your car to your workplace this could be worth looking at.

I guess they weight the accident risk going to/from work higher than the theft risk of leaving the car unattended all day, every day in some practically deserted suburban housing estate.

hattoncracker

HiThereHowAreY wrote: »

I've tried Axa(quote pushed up by 800 euro against a different job), Liberty(over 4000 euro), Aviva, Its4women, AIG, boxymo(staying away from them because of terrible reviews), 123, One Direct, Chill, Quote Devil.

Most of them refused an online quote with my actual occupation and I haven't tried ringing them yet, but it doesn't bode well for me if they refuse the online quote like.

Try first Ireland. If you're under 30, they're normally one of the best.

HiThereHowAreY

hattoncracker wrote: »

Try first Ireland. If you're under 30, they're normally one of the best.

Won't quote me

5000 if I choose another occupation.

chickenlicken2

Ring a few brokers is your best bet.

It sucks but unfortunately it's the actuarial tables for risk that's driving the premium up.

slimjimmc

HiThereHowAreY wrote: »

Won't quote me

5000 if I choose another occupation.

If you're getting 3 refusals or quotes so high that they're tantamount to a refusal then you can contact the Declined Cases Committee.
http://www.insuranceireland.eu/consumer-information/general-non-life-insurance/motor

HiThereHowAreY

slimjimmc wrote: »

If you're getting 3 refusals or quotes so high that they're tantamount to a refusal then you can contact the Declined Cases Committee.

I'd be at the mercy of the insurance company in that case, wouldn't I?

chickenlicken2

HiThereHowAreY wrote: »

Won't quote me

5000 if I choose another occupation.

What are you driving of you don't mind me asking?

NCB? Full licence?

HiThereHowAreY

chickenlicken2 wrote: »

What are you driving of you don't mind me asking?

NCB? Full licence?

I haven't even bought a car yet because I'm getting such high quotes. I'm on my provisional, and I'm aware that would drive the premium up aswell, but it shouldn't be over 3000 for the cheapest one that will actually give me a quote based on my occupation.

HiThereHowAreY

I'm also 21.

wonski

HiThereHowAreY wrote:

I haven't even bought a car yet because I'm getting such high quotes. I'm on my provisional, and I'm aware that would drive the premium up aswell, but it shouldn't be over 3000 for the cheapest one that will actually give me a quote based on my occupation.

How old are you, if you don't mind me asking? Those quotes, or their lack, might have more to do with your age and no license tbh.

Chijj

Do you work in an arcade or at amusements ie a fair ground ?

If its the former, the quote could be used in the context of you working at a fair ground and all that entails compared to your car bring parked outside an arcade

HiThereHowAreY

It's an arcade with a CCTV monitored parking lot.

68 lost souls

No quote online doesn't mean they won't quote over the phone. You need to pickup the phone. I always find better quotes when I ring.

If you are on our provisional then they will quote you very highly. Also remember you cannot drive it on your own or your insurance is void anyway.

chickenlicken2

Gotcha.

It's a combination of things OP.

Provisional licence, presuming no NCB , occupation and minimal experience.

Unfortunately it's a case of shop around for the best quote you can get.

I really wouldn't recommend falsifying occupation details. Insurance is only useful when you need to claim and this could jeopardise payout.

You also run the risk of them cancelling the policy if they find out even without a claim which will be very problematic for you getting insurance down the line.

What car details are you putting in to generate the quote online? You are going to find a difference if you are looking for a quote on a corsa than a civic.

Tony Beetroot

Just tell them you are unemployed and on the rock and roll.