Nick the wanderer Posted January 23 Share Posted January 23 Hi, as we know insurance is going stupid at the moment with their prices and I've just seen being unemployed is apparently more expensive. As l am between jobs and not quite old enough to retire I'm looking for what I could be to keep the costs down if possible. A house husband for example apart from the kids have all gone. Any ideas welcome. Quote Link to comment Share on other sites More sharing options...
Fiddlesticks Posted January 23 Share Posted January 23 I always put librarian. 1 Quote Link to comment Share on other sites More sharing options...
RideWithStyles Posted January 23 Share Posted January 23 Depends on your circumstances and for how long will you be between jobs? If its fairly soon with a similar role then nothing is different, if its going from an office slave to a knuckle dragging manual labour work in a dangerous environment then it might be needing to be changed. The other suggestions vary in cost and impact. do/claim less miles, different journey times, A different bike, do a collage course and say your a student... 1 Quote Link to comment Share on other sites More sharing options...
bonio Posted January 23 Share Posted January 23 You don't need kids at home to be a house husband. You just need a partner who works. After all, it's not called a "house parent". 2 1 Quote Link to comment Share on other sites More sharing options...
Bender Posted January 23 Share Posted January 23 Just put retired, you can change your mind and get bored at any point. 2 Quote Link to comment Share on other sites More sharing options...
S-Westerly Posted January 23 Share Posted January 23 Kind of pisses me off as if I put retired which implies I'm getting old and possibly riding more I get a slightly lower quote than when I state my actual occupation which means I'm not able to ride at all for months. Tossers. 2 2 Quote Link to comment Share on other sites More sharing options...
Yorky Posted January 23 Share Posted January 23 1 hour ago, S-Westerly said: Kind of pisses me off as if I put retired which implies I'm getting old and possibly riding more I get a slightly lower quote than when I state my actual occupation which means I'm not able to ride at all for months. Tossers. And that sums up the stupidity of the insurance farce. 2 Quote Link to comment Share on other sites More sharing options...
JRH Posted January 23 Share Posted January 23 I put retired when I finished work and insurance went down, slightly, but that was mainly due to removing “commuting to a place of work” and just listing SDP as use. 1 Quote Link to comment Share on other sites More sharing options...
Pie man Posted January 23 Share Posted January 23 I would go for Administrator or Accountant. 1 Quote Link to comment Share on other sites More sharing options...
S-Westerly Posted January 23 Share Posted January 23 1 hour ago, JRH said: I put retired when I finished work and insurance went down, slightly, but that was mainly due to removing “commuting to a place of work” and just listing SDP as use. Commuting isn't ever something I put on my insurance as basically I don't so I guess I get that reduction anyway. Quote Link to comment Share on other sites More sharing options...
RideWithStyles Posted January 24 Share Posted January 24 15 hours ago, Yorky said: And that sums up the stupidity of the insurance farce. Normally yes it is but Not this time as thats because they go by the odds, you're less likely to be going out peak time (work commute) because wtf would you? If your "less" likely to do the rat runs theres less chances of accident, if your gonna go normally be out side of commute times unless you really have to for some reason when your retired, that's their take on it. Quote Link to comment Share on other sites More sharing options...
RideWithStyles Posted January 24 Share Posted January 24 Or put yourself down as an accountant manager of an online auctioneer of postal stamps..... Quote Link to comment Share on other sites More sharing options...
S-Westerly Posted January 24 Share Posted January 24 33 minutes ago, RideWithStyles said: Or put yourself down as an accountant manager of an online auctioneer of postal stamps..... My son is an accountant but used to fly helicopters in the Navy. He also does marathons for fun, skied competitively, scuba dives and rides a GXR 750. Not all accountants are grey men. He also gets paid a lot more than me. Quote Link to comment Share on other sites More sharing options...
Nick the wanderer Posted January 24 Author Share Posted January 24 Hi, thanks for the input. I'm aware of the commuting to work bit I already planned to take that off. I think retired is going to be the winner, so far anyway. People say you get bored having nothing to do all day. Turns out I'm really really good at it! 3 Quote Link to comment Share on other sites More sharing options...
Pie man Posted January 24 Share Posted January 24 My insurance covers me for business use and commuting etc. The cost difference is minimal compared to SDP. 1 Quote Link to comment Share on other sites More sharing options...
rob m Posted January 24 Share Posted January 24 I'm a mental health nurse in the NHS and my insurance quotes went up when it came to renew last time. Four years ago they were more than happy to give me big reductions when people were banging pots and pans on a Thursday evening. I still get 25% off at Nandos though so silver linings... 1 3 1 Quote Link to comment Share on other sites More sharing options...
Nick the wanderer Posted February 19 Author Share Posted February 19 Update. And a warning. So my renewal came through, the price was not too bad on an auto renew. I thought I'd change my occupation and the commuting bit to keep it all up to date etc. for the new policy that starts in 3 weeks. The person on the phone said because of these changes a new quote was needed and the existing policy would have to change immediately. Then they said they couldn't change this policy and l had to start a new policy altogether. At £40 more expensive. Bennett's. Quick search and half an hour on the phone to Devitt and I halved the cost. All changes declared. I'm a house person with no commuting to work. I'm happy with that. The warning is if you do change your policy mid term beware of hidden costs, even when trying to do the right thing they will do anything to get more out of you. 1 1 Quote Link to comment Share on other sites More sharing options...
geofferz Posted February 19 Share Posted February 19 11 minutes ago, Nick the wanderer said: Update. And a warning. So my renewal came through, the price was not too bad on an auto renew. I thought I'd change my occupation and the commuting bit to keep it all up to date etc. for the new policy that starts in 3 weeks. The person on the phone said because of these changes a new quote was needed and the existing policy would have to change immediately. Then they said they couldn't change this policy and l had to start a new policy altogether. At £40 more expensive. Bennett's. Quick search and half an hour on the phone to Devitt and I halved the cost. All changes declared. I'm a house person with no commuting to work. I'm happy with that. The warning is if you do change your policy mid term beware of hidden costs, even when trying to do the right thing they will do anything to get more out of you. Tl;Dr use price comparison website every time. Quote Link to comment Share on other sites More sharing options...
Nick the wanderer Posted February 19 Author Share Posted February 19 Yeah l got lazy. Both quotes with Ageas but Bennett's wanted twice as much as Devitt. Quote Link to comment Share on other sites More sharing options...
Nick the wanderer Posted February 19 Author Share Posted February 19 What l do when it comes to renewal is have a price in mind. This year's was cheaper than last which was acceptable. One of the things is l have a lot of changes to standard spec, exhaust, suspension, bars, tail tidy etc so even with a comparison site quote by the time you have declared it all the price goes up. Auto renewal they have all the details. 1 Quote Link to comment Share on other sites More sharing options...
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