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Professions and Insurance Premiums

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  • 04-09-2007 1:23pm
    #1
    SGKM
    Registered Users Posts: 207 ✭✭


    Just out of interest, I was wondering as most insurance companies want to know what you do for a living before they quote you, which would be seen as a high risk profession? And what would be a low risk?


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    #2
    JoeA3
    Registered Users Posts: 7,441 ✭✭✭JoeA3


    I would guess its because certain positions mean you are out and about in your car more, or maybe at more unsociable hours. I'd say your average 9-5 office job would be considered low-risk.


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    #3
    DublinDilbert
    Registered Users Posts: 5,379 ✭✭✭DublinDilbert


    It used to be the case where they would load certain professions, but i think that's kinda changed now as there is more competition in the car insurance market, but i'm open to correction...

    i can't remember the last time i was asked my occupation when going for a quote..


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    #4
    Steve
    Moderators, Category Moderators, Entertainment Moderators, Sports Moderators Posts: 22,584 CMod ✭✭✭✭Steve


    Go to one of insurance sites and try it..

    Tried a few on the QD site and it didn't make a difference to the quote.


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    #5
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,711 Mod ✭✭✭✭Henry Ford III


    Jockeys, entertainers, sportspeople and journalists publicans will tend to be loaded.

    It's down to claims experience and varies insurer to insurer.


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    #6
    MarkN
    Registered Users Posts: 4,193 ✭✭✭MarkN


    Only yesterday I asked a good friend of mine who works in Hibernian what the story was and she said they can't do it anymore. Barmen were one example she used where they used to be loaded due to driving late at night and it seems to be done away with now.

    I'm sure they've found some other way to screw us now though :D


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    #7
    Healyc
    Closed Accounts Posts: 198 ✭✭Healyc


    Always Loaded being a mechanic :mad: but it dropped dramatically when i went to work in a bank!


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    #8
    Fanboy
    Closed Accounts Posts: 99 ✭✭Fanboy


    Gardai get a discount...


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    #9
    Bluefoam
    Registered Users Posts: 7,739 ✭✭✭Bluefoam


    I get quoted more if I state I'm an Interior Designer, cheaper if I say industrial designer...


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    #10
    Chevy RV
    Registered Users Posts: 466 ✭✭Chevy RV


    The punters friend (AKA The Bookies ) used to be considered high risk probably due to the transfer of cash to /from the races.


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    #11
    Terrontress
    Registered Users Posts: 3,900 ✭✭✭Terrontress


    My brother is a professional musician and I can't get him insured on my car.


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    #12
    colm_mcm
    Registered Users Posts: 73,454 ✭✭✭✭colm_mcm


    do musicians tend to drink drive or something?


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