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Discussion Starter · #1 ·
This is quite long so bare with me..

I have 2 policies with the same insurer (Admiral) for 2 cars. One of the policies is just a few days old.

When entering my details into the system on the new policy, my occupation was recorded as "Consultant Engineer"

Today I had a letter from Admiral, they want to charge me ?27 on my older policy because my occupation has changed from "Engineer" to "Consultant Engineer" to match the new policy. Fair enough I thought, I'll just tell to change it back to "Engineer" on both policies and there will be no charges (even though surely "Engineer" is a general term that encompasses all engineering, including consulting)

On making that change, I would no longer be charged the ?27, but my new policy would be INCREASED by ?22, even though the Rallye is only insured for social use, never to be driven to work.

I then tried changing my occupation to "Draughtsman" .. both policies would increase by ?14. At least that made some sense, it affects both policies the same (although I dont see how they justify the increase) but for one policy to go up, and the other to go down with the same occupation is just lunacy.

After spending 40 minutes on the phone the very helpful lady could not explain this other than "that's how it is in the database sir". When I asked her if she thought I was wrong, the phone went silent.. obviously they're not allowed to have an opinion because the calls are recorded !

Rest assured I'll be calling during the day tomorrow to speak to the head office in Wales rather than the after-hours call centre in India, but if anyone on here can explain this nonsense to me I'll be quite happy to cough up the few quid. It's not the money, it's the principle !

</rant>
 

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Discussion Starter · #2 ·
Resolved. Admiral's Cardiff office got rid of the extra charges straight away, and agreed with me totally that it cannot be justified.

So a word of advice, if a call center fobs you off, it's because they don't have authority to make their own decisions !
 

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It does.....

Worst seem to be Journsalist / Actor etc... (air heads ?)

Best are Accountant / Librarians LOL

I'm a Quantity Surveyor, who I've been told as a safe bet insurance wise.... little do they know !!
 

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worst should be car insurance worker and police man because eveyone would ram them off the road if they got chance.[;)]
 

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Quote: posted by vedhead on 28/01/2005 15:50:38

wonder what professional sportsman gets.

Shafted. I know a couple of footballers, and their premiums are hugely inflated - ?3k for a banger type affair
 

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They have to allow for the risk of all that high-speed avoidance of photographers! (beckham wasn't it? Anyone else would have got properly done...)
 

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as a pilot i get slated for having the s3 insurence wise! i spend enough time at 450mph, so they must think we drive fast when we are on the ground!
 

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Discussion Starter · #11 ·
Quote: posted by J111ASE on 28/01/2005 16:56:17

worst should be car insurance worker and police man because eveyone would ram them off the road if they got chance.[;)]

A mate of mine gets a discount on his insurance because he's married to a copper, higher chance of it being recovered if stolen i suppose.

I was just confused why a certain occupation made one policy cheaper, and the other more expensive, with the same insurer. Like they said on the phone though the database can have errors. There's no replacement for human judgement!
 

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My wife is a licensee and we always get stung around renewal time.

Obviously as we do pay the increased premium she can quite happily drive home seeing double and talking to herself.
 

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Glad i'm in the health profession. It seems to keep my premiums down [^]

Has kept me from getting points a couple of times aswel [:D]
 

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actuarials, my friends, actuarials. I guess statistics reveal that professional athletes are brain-impaired on the roadways.

Personally, I wonder what insurance company agents pay?
 

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Thats interesting Tophuh as your occupation sounds much the same as mine. Good to know when my renewal's due in a couple of months. Think they have got my occupation as fire protection consultant. Might want to try your actual discipline to see if that makes a difference, i.e. consultant mechanical, electrical, building services etc. engineer.
 

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Definitely need to beware what you call yourself...I'm an accountant by profession, although that's really a qualification not a job. At my last company I was Finance Director - a rather grand title for Head of everything that wasn't sales or production. That title put my premium up 8%! I reverted to the simpler "accountant" afterwards..... although it did mean I could sell my car as "one previous company director owner"....!!!
 

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I have finally worked out the formula.

1 semi trained monkey + 1 Winmau dart board and Unicorn 24g Darts X the Drag coefficency of air (taking into account the Coriolis Effect + a blunt felt tip pen.

This seems to give a highly accurate premium far better than any human in conjunction with a computer could ever come up with.
 
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