Insurers make my blood boil - Happy Blue!

Last night I renewed my and my wifes' cars online with Axa at a very competitive rate. I filled all the forms out correctly and told that we both watned to drive each others cars for business use. I am a Chartered Surveyor, she works for the NHS and is mainly a housewife.

Everything went through smoothly and took our money. Checking the documents this morning my business cover is missing so I rang them up. ".....Sorry Sir, we don't insure Chartered Surveyors for business use....". They did me the 'favour' of refunding the premium without an admin charge!! I could have been driving unwittingly without insurance.

Luckoily no need to panic as the renewal is not till mid January, but I am sure I could have gone for them if I had the time.

Bah Humbug

Insurers make my blood boil - GBP1705

Jusy had my renewal through (£384) Went on website as a new customer and was quoted (£321) Phoned them up and got renewd at £321. As everyone says loyalty counts for nothing

Insurers make my blood boil - Engineer Andy

Not that I'm recommending them (I've never had an accident [touch wood] whilst with them [~10 years], so only know about customer service when renewing, which is ok [I think they're back with a UK-based call centre again]), but my insurer esure does insure me as a Mechanical Engineer for business use, who needs to go out and about from time to time. You could try them - I found they are normally one of the cheapest quotes and allow low (or zero) excesses if you want.

The only reason I can think of why a firm may not is if you do loads of mileage in connection with your business activities - some may not differentiate between long trips once or twice a week and a travelling salesman/delivery driver who does several trips a day in a more localised area.

You could also see what difference it makes changing your occupation from "Chartered Surveyor" to plain old "Surveyor" or "Building Surveyor" (or whatever you're speciality is, if you have one - ask if they will allow this if both jobs are included) - does being chartered mean that you're normally out-and-about on site visits more often, or have to park your car on the road (e.g. on busy streets when using the old theodolite). You may also want to check which employer type you've specified as well, which again may make a difference to both getting insurance and the premium level - many variants may perfectly (and legally) describe your firm but offer different premium rates. Stupid, I know, but that's insurance for you.

PS. One tip I gleaned from the web is to get a bunch of quotes just under 30 days from renewal, then do it again about 10-14 days before, and the go with the better quote from both sets, as they are valid for normally 30 days.

Insurers make my blood boil - skidpan

I am a qualified Surveyor by profession, no longer work as one, but when I did business use insurance was always expensive. Later my job title changed to "Estates Manager", still did pretty much the same work and the premium was instantly lower.

Don't do business travel any longer (use a works van if I need to get out) thus no idea if my current job has an impact.

Insurers make my blood boil - veryoldbear

I am a Naval Architect and nobody knows what they do (including myself) so it has no adverse effect ...

Insurers make my blood boil - Bobbin Threadbare

I could never find a match for my previous employment - I wasn't a nuclear scientist and I wasn't a consultant in the medical sense, but nuclear safety consultant didn't ever come up. I once chose 'health and safety consultant' in the hopes that it would drop the premium, but alas it didn't.

Insurers make my blood boil - Chris M

You have to be careful when doing online quotes. The more savvy insurers track what answers you give each time you submit your details and consider it fraud if you have obviously selected an occupation (or anything else) to get a lower premium. Therefore don't enter your registration number, use your real name and wise to use a postcode in the next street.

I've had slightly different quotes by describing myself as a clerk, admin assistant & admin staff - but not using my real details!

Insurers make my blood boil - unthrottled

Why is it still legal to use occupation as a means of calculating insurance premiumswhen more fundamental criteria such as gender is not permitted? And is it even a useful indicator of risk?

Insurers make my blood boil - RT

Why is it still legal to use occupation as a means of calculating insurance premiumswhen more fundamental criteria such as gender is not permitted? And is it even a useful indicator of risk?

Because "discrimination" isn't illegal on the basis of occupation, it is on the basis of gender.

Insurers make my blood boil - RT

I am a qualified Surveyor by profession, no longer work as one, but when I did business use insurance was always expensive. Later my job title changed to "Estates Manager", still did pretty much the same work and the premium was instantly lower.

Don't do business travel any longer (use a works van if I need to get out) thus no idea if my current job has an impact.

When I was working I found a huge difference in total cost between those insurers who include business use automatically and those who charge extra - the inclusive ones were hugely cheaper.

It's a case of shopping around, giving ALL the details.

Insurers make my blood boil - Happy Blue!

I was told that a Chartered Surveyor is the same as an estate agent. Give me strength!

I went through a broker and found a price about 25% below my highest quote. At least its tax deductable!

Insurers make my blood boil - Chris M

Chartered Surveyer = Estate Agent = Banker = Crook then.

I'm so glad I'm an honourable insurance company employee.

;-)

Insurers make my blood boil - unthrottled

I'm so glad I'm an honourable insurance company employee.

Psst! What's your best price for the details of all your policy holders who've had an accident that wasn't their fault? Give yer a 10% cut of any compo. Go on, you know it makes sense! :-)

Insurers make my blood boil - oldroverboy.

I'm so glad I'm an honourable insurance company employee.

Dare i admit i have a friend who is an insurance broker, but his quotes are too dear for me!

Insurers make my blood boil - RT

Chartered Surveyer = Estate Agent = Banker = Crook then.

I'm so glad I'm an honourable insurance company employee.

;-)

There are no honourable insurance companies - even though the employees may well be - but even that attracts higher premiums!

Many working in other forms of insurance from cars, declare themselves as call centre operatives, office manager or whatever.

Insurers make my blood boil - Happy Blue!

Just put my details into esure to see if they would cover me. No! Also their website has some confusing questions where you don't know if the answer is yes or no. Silly as it sounds it took me a couple of goes to get through to the next screen and even then I was declined later on.

5 years no claims for both me and SWMBO and she with just one SP30 from over three years ago.

Insurers make my blood boil - Engineer Andy

Sorry you couldn't get a quote from esure. Perhaps you'd be better in trying to find a firm who specilaises in quotes for public sector workers, particularly health workers like your wife. It does seem strange why being a Chartered Surveyor would preclude you from a quote, so try that. Also, unless you wife uses this car for work, make sure she's not listed as using it as such, in case that makes a difference. A phonecall to each insurer, rather than just using the website may be in order, in case it doesn't have the option that you're looking for.

Insurers make my blood boil - Armitage Shanks {p}

E Sure are one to avoid if you want to go abroad. Daily charge plus a £25 "Policy Amendment Fee". SAGA give me unlimited EU use, in 31 day blocks, included in a £170 annual remium.

Insurers make my blood boil - gordonbennet

There are no honourable insurance companies - even though the employees may well be - but even that attracts higher premiums!

There's at least one, and we were with them for every insurance we had for years, had one car claim and one house claim with them and they behaved impeccably, the claims could not have handled more fairly, generously or easier.

Unfortunately such service comes at a price and the premiums with NFU are now so high that we have been forced to go elsewhere, not an easy decision mind, and i hope we don't have cause to regret it, only have the dog insured with them now.

Insurers make my blood boil - Engineer Andy

I was recommended NFU Mutual as a very good insurer, but like gb I decided against them as they were TWICE the price (£600+) of the best 10 quotes from other firms! Ouch!

It seems some firms have decided to "specialise" in providing certain levels of cover for certain people, but without publicising the fact. The other problem most of us face is that our experiences of insurers mainly relate to the price and customer service experience we receive around renewal time, and not that which we would receive if we had to make a claim. We (including myself) often take the risk of going with a low quote from a firm others don't exactly say are brilliant and keep our fingers crossed that we don't have an accident.

I suppose if, for example, the majority or all insurance companies signed up to higher customer service standards (e.g. more and better trained staff, no weedling out of paying out claims by sneaky contracts or charging exhorbitant rates for changing policies, etc etc) we'd all end up paying the same as for ones like NFU Mutual. To be honest I would have gladly gone with them even if they'd quoted 20% over at £360, but not 100% over.

Insurers make my blood boil - barney100

When putting down occupation 'musician' I was hammered, now 'music teacher' is quite a drop

in premiums.

Insurers make my blood boil - jamie745

They probably assume 'musicians' will have jolly expensive stuff in their cars at all times and be going to a plethora of pubs and clubs at unreasonable hours. A 'music teacher' parks his car at a school and shows children how to ding a triangle.

Insurers make my blood boil - veryoldbear

Spot on, Jamie. They probably had one bad claim back in 1965, and all musicians are now being painted with the same brush.

Insurers make my blood boil - thunderbird

Also consider that some musicians work in environments where alcohol is sold and other substances are sometimes used. If you drive after partaking either of these you are a greater risk.

Insurers make my blood boil - Happy Blue!

Its more a case of driving a fellow musician as a passenger who has their creer wrecked by an accident. If that person had just signed a contract with a record company for four albums but now cannot perform, the losses are huge.

Still don't understand why I am penalised when I only do 8,000 miles pa on business anyway. And I don't know anyone famous to injure!

Insurers make my blood boil - skidpan

Still don't understand why I am penalised when I only do 8,000 miles pa on business anyway. And I don't know anyone famous to injure!

Ring them and tell them that, bet it will make a huge difference.

Insurers make my blood boil - unthrottled

Also consider that some musicians work in environments where alcohol is sold and other substances are sometimes used. If you drive after partaking either of these you are a greater risk.

Supermarket staff must be a nightmare to insure! And publicans!

Insurers make my blood boil - skidpan

Also consider that some musicians work in environments where alcohol is sold and other substances are sometimes used. If you drive after partaking either of these you are a greater risk.

Supermarket staff must be a nightmare to insure! And publicans!

Publicans do have a have time getting insured. That is one that is a bit difficult to understand since they don't have to drive home from work.

Supermarkets don't sell alcohol for consumption on the premises.

Insurers make my blood boil - jamie745

Presumably petrol station staff find insurance hard to obtain due to their higher risk of catching fire.