Can I get a better deal on car insurance by being creative with my job title?
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Can I get a better deal on car insurance by being creative with my job title?
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I'm a lifeguard. I work at a council run leisure centre. My post - as stated in my contract is "Customer Services Assistant (Wetside)"
This is what they call Lifeguards, because we can't spend longer than an hour watching the poolside at any given time and so the rest of the time is spent doing other jobs that the council could train monkeys to do (They probably would do too, if it wasn't for the RSPCA.) But by calling us "CSA: Wetside" the bosses can get us to do the other monkey jobs like putting out the bouncy castles, supervising children's parties and cleaning toilets.
Aaaaanyway - What could I call myself on the insurance forms to make myself cheaper to insure? Obviously, not a doctor or anything.
But I could call myself a "cleaner" "customer assistant" or "lifeguard" - Which would save the most money?
And is there a website out there where I could find out?
My job involves -
Lifeguarding (40% of the time)
Cleaning (30% of the time)
Supervising kids parties (10% of the time)
Putting out sports equipment and then putting it away again (10%)
Filling the vending machine (5% of the time)
Talking to customers about our facilities and giving them a tour of the premises (5%)
Additional Details
PS - I'm 23 - Have been driving for five years as a named driver on my parent's car. I have a good relationship with mum and dad and could put them on my car insurance if that would make things cheaper. I've just got a new Yaris and am looking for the best deal. Any more suggestions would be welcomed.
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Deep Purple
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I do know that waiters and other people that drive on non social hours will pay more but that shouldn't apply to you.
Nope I think you are out of luck. Except that you could go and be a Lifeguard in Montecarlo and earn 5 times what you earn in old Blighty.
Granted you don't work in the winter but you can work one year every four to earn the same money.
Anyway, third-party-only would save you some money. Buy a big lock! |
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Dan B
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Your job title has little effect on your insurance rates unless you use your vehicle in your business - real estate agent, traveling sales person, etc. Otherwise, using your vehicle to travel to and from work and leisure will have no effect unless you travel a very long distance to work. |
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Bardic
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Won't make much difference as far as you are concerned. I'd put down your "official" title, then you're bullet-proof. It's only things such as "entertainer" which might make them load you, as they often do huge mileages at unusual hours. Or "motoring journalist" i.e Clarkson. |
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Yasmin
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I went on a website as i am trying to get a renewal or a better quote atm. Cant remember what the website was, but it had hints on how to get the quotes down. Changing your job title was one of them. Although you can change your job title it still has to be true to your job, otherwise your insurance will be invalid. |
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Walker
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Anything besides a title given on your contract is fraud and easy way for the insurance company to drop you and keep your money. |
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awol02
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tell them your a stunt driver for knightrider |
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The original Peter G
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I don't think your job title provided it's reasonably truthful would make much difference. It's your age and experience that they will look at. Putting your parents on the policy might do something, but you must be sure that you are listed as the policyholder and main driver.
Being creative in your application might make it cheaper for you, but if you claim, and you probably will before too long, it will be cheaper for the insurance company as well. ie they won't pay out!
If you put down Customer Services Assistant (Wetside) as your occupation then there can be no argument |
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Facile Princeps
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No..You quote will depend on your post code, your age, how long you have being driving and the type of car you drive, engine size etc |
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Michael S
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Obtaining insurance by deception is an illagal act which invalidates the policy. The details you provide MUST be accurate and true. |
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Gambit
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while I have seen Occupation Discounts for Homeowners/Tenants/Condo policies, I have never seen one for auto insurance. All of the job titles you mentioned wouldn't get you a discount for Homeowners/Tenants/Condo policy, so even if there was a company who gave Occupation Discounts for auto insurance I doubt any of what you listed would help. However if pressed to make a choice I guess it would be lifeguard. |
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Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
