I am a single parent, unemployed and I care for my eighteen month baby while my other child is at f/t school. I have recently passed my driving test and found the car that I want. The only problem is that the f/t course I applied for at college is full and the insurance premium is more for unemployed people and less for students!(which I can't understand). I can't tell them I am a housewife as I am not married, If I tell them that I am a f/t student will they need proof when I pay for the car insurance.
2006-10-11 00:14:11 · 1 answers · asked by bex 1 in Cars & Transportation ➔ Insurance & Registration
They may ask for proof but will set up the policy before you provide the proof (if they ask for any). It is technically deception as you are obtaining a reduced premium by giving false details.
In reality your insurance company won't care about the details unless you claim. At this point they will want to ensure your policy refelcts your true situation. One of 2 things will then happen - they will not honour the claim, cancel your insurance and void the policy. This is bad news as no respectable insurance company will accept anyone with a voided policy.
The other, more likely in this example, option is that they will ask you to pay the correct premium (backdated). In this case you end up paying the same insurance premium but have to pay back a load in one go.
My advice - speak to some insurance brokers. they are much more likely to know the best insurance company for someone in your situation. Just pick up the yellow pages, go to insurance brokers and call 4 or 5.
2006-10-11 01:27:22 · answer #1 · answered by Anonymous · 0⤊ 1⤋
I don't think they ask for or require proof that you're a full time student, but they may. If you lie about it, I am not really sure how they would even find out at a later date, however I, as an insurance rep, cannot advocate you misrepresenting facts to get a policy. Essentially, if they rely on info you give them as adequate to bind coverage and they do, then later find out they would not have insured you if they'd had all the info, then you could be in trouble. If they would have written you anyway, just collected more premium, we're talking something else. Tell the truth, it's what you'd want your kid to do!
2006-10-11 11:12:09 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
You would certainly be fine to declare yourself as a housewife even though you're not married as I doubt they give a classification for stay at home mums. This would therefore be the next best alternative and shouldn't get you into trouble.
You may have already done this but search on the internet for "cheap car insurance" and go for one or two of the sites that trawl companies to get the best quote. You'll probably find one that is much cheaper than the rest and much much cheaper than the major insurers. Don't be put off if no-ones heard of them, as long as they are members of one of the Insurance Industry schemes or a member of Lloyds you'll be ok.
2006-10-11 00:26:38 · answer #3 · answered by des10euk 2 · 1⤊ 0⤋
Tell the truth - for all the reasons above, it's by far the safest way to go. However, you can use the term "housewife" even if you are not married - it's a correct description of how you spend your day, and you will be declaring your marital status anyway. Also, try many different insurance companies, they all have different deals going on - never settle for just one quote! Play them off against each other too, if you get a cheap one, tell the others, and they may underbid.
2006-10-11 00:25:03 · answer #4 · answered by cuddles_gb 6 · 0⤊ 1⤋
Not worth it, bite the bullet, tell the truth. Even if they believe your lie, and issue a policy, if you have an accident they won't pay out.
If you have an old banger, maybe you won't care, but if you kill or maim someone, God forbid, where does their compensation come from if your insurance is invalid?
Driving a car is a privilege, not a right, and if you can't afford it, don't do it. It will get you in heaps of trouble.
2006-10-11 00:23:35 · answer #5 · answered by Michael E 4 · 0⤊ 0⤋
Bex:
I sympathize with your situation. Must "answerer's" are telling you to just be honest and tell the truth to the insurance carrier. Insurance premiums are based on what "risk" they are taking by insuring you, and when you lie to them about the facts upon which they base that risk, they call it FRAUD. It would invalidate your policy if you were ever to make a claim, and they might prosecute you. Then you would find it almost impossible to get any kind of insurance from anyone. When your class opens up reapply for a reduction of premiums.
2006-10-11 03:53:12 · answer #6 · answered by Peedlepup 7 · 0⤊ 0⤋
They will probably ask for proof.
The risk even if they dont, is that if you have an accident, and they find out you lied to them, your insurance wont be valid, so you may have to pay out loads to get your car and possibly others fixed out of your own pocket.
I dont see why you have to be married to be a housewife, tell them you are a stay at home mum.
2006-10-11 00:17:20 · answer #7 · answered by OriginalBubble 6 · 1⤊ 0⤋
Why don't you sign up for a throw away class?
And, you should tell them that you are a mother. That makes you a better insurance risk so your premiums should go down.
2006-10-11 00:23:16 · answer #8 · answered by Anonymous · 0⤊ 0⤋
What's your question here? You obviously can't tell them something your not or you will be subject to criminal investigation! Insurance companies are cracking down big time on folks that file false applications and claims!
2006-10-11 07:17:03 · answer #9 · answered by Anonymous · 0⤊ 0⤋
No you don't need proof tell them what you like enrole on any course even if its for the one day you insure your car the you will be telling the truth..also you can be a homemaker even if you are single....good luck.
2006-10-12 00:40:33 · answer #10 · answered by miamivice666 2 · 0⤊ 1⤋