20withascooby

done a quote cam up 1884 then i changed my occupation and it went down to 1557 would i be caught out if i lied about my job they dont check do they ?????

cookstar

iTrader: (6)

if you lie about anything while getting a quote you're setting yourself up to be caught out, just not worth it IMO.

20withascooby

but its only my job sure when people change jobs they dont always ring up insurance and tell them

cookstar

iTrader: (6)

Good point, what is it you do mate?

20withascooby

delivery driver but ina van not my car hen i change it to office worker it drops 300 pounds

20withascooby

and in small print it says must not be a delivery courier,celebrity,footballer,tv presenter etc

nixxon

So , when you make a claim, they ain't going to pay out, 'cos you've lied to them!

20withascooby

but why does it make such a big diference thats what im trying to sya what so their not going ot pay out because i changed jobs and forgot to tell them

wrxjay03

its a load of bollox really, as long as you can afford there payments who cares what job you have?

20withascooby

im sure thousands of poeple change and dont tell them what they guna do turn up at your work and see if you work there they dont even ask a adress or anything so how woul they no 300 pounds drop at end of day i still drive to work and leave it in car park same as most people that do diff jobn why should i pay more

wrxjay03

cos its a big con

skoobidude

I think it's because a delivery driver would be away from his car so it would be more at risk parked up during the time you are off in the van/lorry. Whilst a typical office worker would have the car parked nearby in the grounds of the office and therefore the car would be at less risk.
Don't quote me on this (excuse the pun)
£300 sounds a big chunk for this though.

Nick

TonyBurns

iTrader: (3)

Higher risk of accidents because they are a delivery driver, office worker has less of a chance to have an accident out on the roads, ie its less of a high risk job

Tony

GlesgaKiss

If you're getting these quotes online they probably wont mean much anyway. I'm 20, and when I was searching for a half decent quote for the subaru I was very surprised by how cheap these online quotes were...but none of them actually applied when I phoned to confirm. It seems internet quotes really are a load of sh*te when it comes to performance cars.

Hate being the bringer of bad news, but you should try and give a few specialist companies a phone - A Plan, Keith Michaels etc.

Alan

20withascooby

the car is in a security gated barbed waire fenced compound lol no body going to get in,keith micheal you have to be 22 a plan dont wanna no

chocolate_o_brian

iTrader: (22)

said it before nath, its a shame you have an import, as ecar could have insured you if it were a uk car. im down to £1250 with a years ncb, and only need say a £600 remap to hit similar/more power than a standard import.

good luck anyways, and if your gonna "bend the truth" regards your occucpation, dont advertise it on here

war1974

its because they look at the fact you drive all day then your tired when you get in your car!
as a hgv driver i was exactly the same but mine dropped loads whenb i went to college? stupid really as now im a student i can drive my car a whole lot more than when i worked and hgv is a much much harder test and standard of driving but hey insurance companies make the rules change the rules and we cant do **** about it!!
its the same a points on your licence last 4years in law terms but insurance its 5 so is that not setting your own sets of laws against what the gov'ment set?

just my opinion! but pay the higher amount they wont pay if you do have mishap!
try putting your mum/dad on it i am 34 and saved 200 by putting my mum on it even though looking at it is about as near as she will get to it

RJM25R

iTrader: (1)

Interested to know the relevance of this. Surely a car parked up is less of a risk than a car that is on the road?

I don't even commute to work in my SCOOB I have a company car, so what difference does it make if I'm a cosmetic surgeon, a wrestler, a miner or an astronaut?????

RJM25R

iTrader: (1)

I understand this one..... You can't have them removed off your licence for 5 years, but they only count for totting up for 4 years. Thats why it's 5 years for insurance as well......

DD stays on for ten years, as does driving without insurance. . . .

20withascooby

hmmm myt just change my career then

chocolate_o_brian

iTrader: (22)

you said your a deivery driver... who for? royal mail, courier like city link etc??

could you maybe try for an admin job, depending on salary to what you earn now. seen what the financial implications are already £300

20withascooby

not many places pay me a week take home at my age and its a courier company

chocolate_o_brian

iTrader: (22)

i wasnt asking you to ***** wave like lots on here re. your earnings nath, just i didnt know if you were seriously considering a job change...

for the record, you must have an excellent boss or work serious hours/transport rocket fuel

just keep scouring the internet i suppose.

20withascooby

my boss pays for fuel about 90 pounds every 2 days insurance and pays me that and makes money off me he does well loland has about 10 drivers for him at my place

war1974

but in insurance terms a dr10 is the same as speeding 5 yrs and its 3 for the points removed after 4 not 5

phil_wrx

iTrader: (2)

i was once told the reasons why jobs where important,

say u work in tv media, u could have someone in your car say wayne rooney who u are interviewing or taking to an interview. if u have a crash he will claim lost earnings from your insurance company and they could be quite high. its the risk that your job could open the insurance company too.

cookstar

iTrader: (6)

No it doesnt, I was done for this years ago, and it was removed after 5

silent running

Well normal points are invalid in law, at 3 years after the date of offence (note, not conviction). They can be removed by the DVLA 4 years after the offence. If anyone ever wondered why the extra year, it's so that a speeding case can be brought to court say 6 months after the offence, and the magistrates can see that the points are still 'on the licence' even though may have been only recently expired - that's direct from the clerk of the court in one of my old speeding cases btw.

The 5 year thing that insurers ask for is totally made up AFAIK. They just are a lot more nosey than they should be and believe that they have a right to out-of-date information that the courts don't consider to have any bearing. It is therefore your right not to mention any points that are older than 3 years, but then at the same time it is your insurer's right not to insure you. Your insurance policy is your private agreement and both parties are supposed to keep to each other's terms.

Moley

iTrader: (9)

If you lie on your insurance don't be suprised at all when your claim gets thrown out.