Cadburys Man
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| posted on 27/9/13 at 11:41 AM |
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OMG wot have i done :-/
So yesterday i go out and buy myself a Stuart Taylor Locosaki thinking everything's great only to find out that no-one will insure me JUST
because i'm unemployed even tho i was made redundant, worked for them for 5 years and worked most of my adult life, talk about feeling
discriminated against :'((
Not happy
Daz.
Oh and hi everybody  )
Stuart Taylor ZX9-R Locosaki
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matt_gsxr
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| posted on 27/9/13 at 11:51 AM |
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If you were self employed (but going through a quiet patch) do you think that might make a difference.
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slingshot2000
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| posted on 27/9/13 at 11:54 AM |
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OMG wot have i done ?
I think you hit the "post" button twice, that wot !
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Cadburys Man
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| posted on 27/9/13 at 12:07 PM |
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quote:
Originally posted by slingshot2000
I think you hit the "post" button twice, that wot !
But wouldn't they want proof? Also if i unforunately had to claim wouldn't they check as at the moment i'm registered with the job
centre 
Daz.
Stuart Taylor ZX9-R Locosaki
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Cadburys Man
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| posted on 27/9/13 at 12:08 PM |
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Sorry i quoted the wrong person :-/
Stuart Taylor ZX9-R Locosaki
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whitestu
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| posted on 27/9/13 at 12:08 PM |
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Which insurers have you asked?
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gaz_gaz
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| posted on 27/9/13 at 12:15 PM |
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So tell them your employed.
Never been asked to prove I worked by an insurance company.
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ross05
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| posted on 27/9/13 at 12:35 PM |
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tell them you are retired
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Not Anumber
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| posted on 27/9/13 at 12:37 PM |
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Ive never had an insurance company ask who i was employed by- only what i do.
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pekwah1
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| posted on 27/9/13 at 12:39 PM |
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how does this have any bearing on insurance?
If you have the money to pay for the insurance, surely that's it done?
Who cares if you have a job or not?
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nick205
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| posted on 27/9/13 at 12:40 PM |
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Tosh!
If you've got the money to pay it's of no concern whatsoever to the insurer whether you're employed or not - they really don't
care.
Is there some other reason they might be rejecting you?
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iank
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| posted on 27/9/13 at 12:41 PM |
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quote:
Originally posted by pekwah1
how does this have any bearing on insurance?
If you have the money to pay for the insurance, surely that's it done?
Who cares if you have a job or not?
Insurance is based on risk profiles and one of the data points is profession.
Presumably unemployed people, statistically, crash a lot more than average...
ETA: Lying to the insurance company is a rather bad idea if you ever do have an accident as that's when they check for anything they can use to
weasel out of paying.
[Edited on 27/9/13 by iank]
--
Never argue with an idiot. They drag you down to their level, then beat you with experience.
Anonymous
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swanny
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| posted on 27/9/13 at 12:45 PM |
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was it for monthly payments? might offering to pay up front help? maybe they were concerned about your ability to pay and this ouyght to resolve
that
paul
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SteveWalker
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| posted on 27/9/13 at 01:02 PM |
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From what I have heard, they dislike the unemployed because they think that with their extra free time, they'll be driving more. Most odd
considering that driving to work and back is the majority of driving for many people and it is usually at the the busiest times!
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pekwah1
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| posted on 27/9/13 at 01:08 PM |
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plus a kit car insurance is going to be a limited mileage policy.
Being unemployed is surely better as you are likely to be driving at quieter times as everyone else is at work!
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Cadburys Man
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| posted on 27/9/13 at 02:42 PM |
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It's purely because i'm now unemployed, no other reason. It takes the wee as i can pay for the whole year upfront. I have 22 years no
claims bonus and have owned or own 200sx's, a Skyline, Suzuki GSX-R1000 and a Yamaha Raptor 700R to name a few!!!
Daz.
Stuart Taylor ZX9-R Locosaki
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40inches
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| posted on 27/9/13 at 02:51 PM |
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Did they ask what your occupation was, or whether you are in employment? There is a distinction.
I insured mine with Adrian Flux, they asked for my occupation, not whether I was employed, self employed or unemployed.
I wasn't aware that if you changed jobs or were made redundant after the policy took effect, that you had to inform the insurance company?
Shop around 
PS: What part of Chesterfield are you from?
[Edited on 27-9-13 by 40inches]
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cerbera
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| posted on 27/9/13 at 03:12 PM |
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Sorry can't help with the insurance, but I used to own a ST Locosaki just curious to see if it's the same one
 
Description
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Cadburys Man
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| posted on 27/9/13 at 03:20 PM |
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quote:
Originally posted by 40inches
Did they ask what your occupation was, or whether you are in employment? There is a distinction.
I insured mine with Adrian Flux, they asked for my occupation, not whether I was employed, self employed or unemployed.
I wasn't aware that if you changed jobs or were made redundant after the policy took effect, that you had to inform the insurance company?
Shop around
PS: What part of Chesterfield are you from?
[Edited on 27-9-13 by 40inches]
I'm in Middlecroft near Staveley
Cerbera it's the same colour as that one but not that one, mine's a 53 plate and the wheels are different.
Daz
Stuart Taylor ZX9-R Locosaki
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cerbera
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| posted on 27/9/13 at 03:50 PM |
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Must be this one then? Daniel Masons old car.
 
STM7 ZX9R REAR END
Hope you get your insurance issues sorted and enjoy the unusually fine weather ;-)
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eddie99
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| posted on 27/9/13 at 03:53 PM |
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Shop around, each and every insurer have varying rules.
http://www.elitemotorsporteng.co.uk/
Twitter: @Elitemotoreng
Facebook: http://www.facebook.com/pages/Elite-Motorsport-Engineering/153409081394323
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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Mr Whippy
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| posted on 27/9/13 at 04:11 PM |
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Simple solution, lie
Though the cost of running a car and not having a job? Not easy
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MikeRJ
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| posted on 27/9/13 at 04:18 PM |
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I don't want to be rude, but it seems crazy to only check insurance costs after buying a car.
You could try getting someone else to insure it (e.g. family member) but have yourself on the policy as the main driver.
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Mr Whippy
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| posted on 27/9/13 at 04:27 PM |
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quote:
Originally posted by MikeRJ
I don't want to be rude, but it seems crazy to only check insurance costs after buying a car.
You could try getting someone else to insure it (e.g. family member) but have yourself on the policy as the main driver.
Tbh I think the problem may stem from his employment status rather than driver history, he may have 5 years no claims and a clean license and just
assumed there would be no issues. I've never been more than £150 for a kit car even ones that's were stupidly over powered. Since when do
insurance companies even ask for employment details? Non of their business anyway, nosey buggers.
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Hellfire
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| posted on 27/9/13 at 06:59 PM |
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Have you approached the specialist kit car insurers and been refused?
Phil
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