Insurance company asking for details of my job

[Creag]

You have PM. I don't want to name the insurance company until their motivation for asking is clear.

Perfect. Understood. I hope things work out.

 

[RonSwanson]

@maumau it's a fair question, your risk profile would be a lot different if you rode shotgun for Leo Prinsloo.

 

[deweyzeph]

That's nothing, when I got divorced I phoned my car insurance company to change my marital status with them, thinking it's just the decent thing to do, and my premium went up by R100 after I told them I am now divorced! When I queried it the call centre agent had to the cheek to tell me that statistically divorced people have a higher risk profile, hence the increase. So yeah, they will use every piece of information they can get to determine your premium.

 

[RonSwanson]

That's nothing, when I got divorced I phoned my car insurance company to change my marital status with them, thinking it's just the decent thing to do, and my premium went up by R100 after I told them I am now divorced! When I queried it the call centre agent had to the cheek to tell me that statistically divorced people have a higher risk profile, hence the increase. So yeah, they will use every piece of information they can get to determine your premium.

It's true, divorced guys are generally are a lot more careless, especially in the first 2-5 years or so.

 

[Stonemason]

Ask them to send you a list of job titles they do recognise and you will pick the two closest to what you do

 

[rrh]

Your broker should be handling all of this ...

 

[Johnatan56]

Are you with Naked insurance? I was going to move to them this month but that review does not look positive.

Pretty much all insurance providers ask for a job title, helps them do a risk classification. Bank usually also asks this.

I think Outsurance when trying to get a quote on the phone was the most invasive of them, would not suggest ever signing up with them just based on over double the next competitor's offer.

 

[RedViking]

Social Media Expert in Relationship, Medical and Racial matters. Also additional social experience in Security and Policing.

- Every MyBB user's CV.

 

[GhostSixFour]

@maumau it's a fair question, your risk profile would be a lot different if you rode shotgun for Leo Prinsloo.

Why? From what I gather that is the safest place to be in SA.
Bheki is probably gonna hire him as chief VIP money consumer.

 

[GhostSixFour]

Pretty much all insurance providers ask for a job title, helps them do a risk classification. Bank usually also asks this.

I think Outsurance when trying to get a quote on the phone was the most invasive of them, would not suggest ever signing up with them just based on over double the next competitor's offer.

Yeah, and then you tell them you're an Architect meaning software, and they hear building and decline to pay out your claim.

 

[Rocket-Boy]

Agree, but what difference does it make whether I'm sweeping floors or watching pron at work? Only thing that could affect premiums is travelling for work but how would that matter anyway.

It matters if you use the car for work or not because it will be out on the roads more which means increased risk.
I had an accident about 15 years ago where a learner driver pressed the brake instead of clutch in a fast moving intersection.
I was grilled about it because the accident happened at 11am which is outside of normal working lunch times and so the insinuation was that I was using it for business purposes.
They even went as far as wanting to know why my mileage was increasing at the rate it was, because again they were trying to say it was being used for business purposes.