The conversation went like this…
Me: I’ve received my renewal notice but I need to let you know that I’ve started work
Insurance company (Ins): What are you doing?
Me: Shop assistant. Part time
Ins: That will add £60
Ins: Because you’ll be driving more
Me: No I won’t
Ins: You will because you’ll be driving to work
Me: I won’t be driving to work.
Ins: But you could
Me: I won’t be. If I did it would cost me £10 to park so I most definitely won’t be. And, in fact, I’ll be driving FEWER miles because I won’t have as much free time. (I actually drove only 5000 miles in the last 12 months and that included driving around Shropshire, the Lake District and Devon for a week each).
Ins: It makes no difference.
Me: So, the additional charge is actually nothing to do with driving extra miles. It’s because I’m a shop assistant.
Ins: That’s the way it is.
That was last year. Annoyed though I was, I paid the extra because the current company still worked out as the cheapest quote. When I went back into a HR role, I informed the company and have just received my renewal quote at almost £50 less than last year. But I am the same person whether I work in a shop or in an office! The insanity doesn’t end here. If I insure with my existing company via Compare the Market.com then the same cover is a further £84 less than insuring direct with the company. Crazy! I wonder if car insurance might just be the next target of the Financial Services Authority
It’s been an expensive few days in car terms:
Interim service: £96
Road tax: £20
Insurance: £224 (via Compare the Market.com of course)
I think the “shall we go down to one car” conversation is about to happen again 🙁