If you state the wrong profession on your car insurance declaration; will this invalidate your insurance?

Question

since they don't ask you any questions about your job when you make a claim?

i am now unemployed, since being made redundant, should it make a difference?

Answer 1

Yes it will...these are the sorts of things they look for when deciding whether or not to pay out....Your profession may alter the risk assessment and therefore the premium you pay....a vicar would probably pay less than a rock musician for instance....Publicans also have to pay a higher premium than most....so get in touch and tell them the correct profession before you have to claim..unless it is too late...

Answer 2

It certainly can invalidate an insurance policy - to give an extreme example - a professional footballer calling himself a doctor. This is because different jobs entail different amount of car usage. (And for some high-profile jobs the possibility of paying out a large amount in the event of a claim - can you imagine the cost if you had Fabregas and Rooney in the car and you crippled them coming back from a nightclub?) (Other than making Chelsea supporters ecstatic (TIC)))

If your are unemployed the most likely result will be that the insurance company will remove 'commuting' from the allowed usage on your certificate - so make sure you advise them if you do get a job.

They may not ask you about your job on a form (but they do do random checks) but I suspect they would get suspicious if you put down: reason for Journey - Travelling to new gig - when your occupation is 'accountant'!

Answer 3

Ask the insurance company. You stated the correct occupation at the time you took out the insurance, and circumstances how now changed which may or may not affect the risks to underwriters. You have a duty to declare it. It is unlikely to make any difference if you have not lied in the first place

Answer 4

Working for an insurance company i have an idea on this. I think it depends on the insurance company. You could call them to find out. Some professions will increase your insurance premium. E.g, if your a builder/courier, and u say your customer services, using a less high risk job to get a cheaper price, when you come to claim, could/will invalidate your insurance. Hope this helps...!!

Answer 5

It depends on the exact circumstances. If you have deliberately given false information because you couldn't get insurance with the correct details or it would have cost more then your policy could be cancelled from inception (the start).

If your details have changed after you took out the policy you'll probably be fine as you are only required to update that sort of information when you renew the policy unless you would expect it to make a difference - for example if you start or stop using the car for work.

Answer 6

Steven N's got it right. Your profession is used to assess the risk and thereby affect your premiums. It would only be if you falsely represented what you did that they would invalidate your cover - such as saying you were in a low-risk profession when in fact you were high-risk. Your unemployment will not cause a problem.

Answer 7

No i'm no longer able to. Your first paragraph has some flaws: one million. The shape tells what the states are allowed to and not allowed to do to boot as what the federal government is authorized and not allowed to do (maximum of those provisions are in Article one million Sections 8 & 9 for the federal government; Article one million section 10 and Article 4 for states). 2. "ObamaCare" is constitutional simply by fact it falls under Congress's skill to alter commerce (Article one million section 8). Congress's skill to alter commerce as this is prevalent as we talk grew to become into typical in a courtroom case from the early twentieth century referred to as Wickard v. Filburn which mentioned that something right now or circuitously affecting commerce could be regulated by the federal government. wellness Care has an instantaneous result on commerce; subsequently, that's regulated by the federal government.

Answer 8

No, not in this case. They are making sure that you're not down as being an office worker when in actual fact you're a tree surgeon and your car spends it's life in the path of falling trees, or something like that.

As long as you maintain a similar usage then there wont be a problem (i.e. domestic, to and from work).

Answer 9

The insurance companies will do anything to get out of paying a claim - the price of your insurance depends on your job as well as where you live - if you put anything on the application that you know to be untrue - they have every right not to pay out ( and it is fraudulent) .

Answer 10

It can invalidate your insurance if they choose to invalidate it. It is called insurance fraud, and it is grounds for breaking the contract.