Why ??????????

[Deano]

Why do Insurance companys need to know where you work and what job you do just to insure you.??

Does it make it more/less expencive depending on what jobe you do ?

[russ]

In a word, yes. Some jobs we won`t insure at all

[Deano]

Cool whats the best and worst jobs to be in ???

[russ]

Worst: Insurance.

Best: anything but insurance.

[Deano]

I'm gonna tell them im a dustman !!!

sure that will be cheaper than IT support. !

[Erica]

Can't be, with the way the dustmen drive their wagon round my way. :o

Nearly took me out last week, they did, coming into my road. :|

[russ]

Oh you mean for quotes :)

All different jobs carry different risks, a couple of examples are footballers and famous people.

The sort of people thy have in the vehicle expose the insurers to high risks, ie if half the Chelsea team are in a minibus and it crashes the costs would be huge.

There are other occupations but i`m not going to post them as it always leads to arguments and people becoming offended.

Russ

[Turboderv]

I have been asked whether I use my car for work and what sort of mileage I expect to do. I do a fair amount so expect that his has an effect on my premium somewhere. Which is fair enough, the way I see it, the more time you are on the road the more likely the risk of making a claim.

So I suppose if you worked in an office all day while you car was parked up your premium could be a bit lower than a surveyor like me doing 400 to 800 miles a week LMAO

[Kris]

Yep thats pretty much the way it works.... you need to remember though that it is not necessarily your driving on the road that puts you at risk of an accident..there are plenty of numpties out there who cant drive ( as I'm sure the feds on here will agree) and the more miles you do the more likely that you will come into "contact" with one of them. :evil:

[LB]

I've always wondered about the mileage, I generally do about 12,000 a year which I quote when they ask on renewal or a new quote etc but if i had an accident how would they actually know?, I mean I could have done 15,000, and I've never been asked for the odometer reading when I've taken out insurance.

[Kris]

True.

But then insurance is based on the principle of utmost good faith. that the insurers trust Joe public to tell the truth (damn just how stupid are the insurance companies !!! :stupid: )

However on limited mileage polices insurers will check things like service history, mot certs etc to back up the mileage.