Tried sky there ok about everything except the disputed claim that i have through adrian flux. Which you would have thought to have solved by now since the accident happened at start of last march.

Best get on and get it resolved then.  Simplify matters.

Well i been trying to resolve it since it happened. Insurance company just going back and forth at moment arguing.

Voluntary work. 

Insurance companies really wind me up. They know you need insurance so charge silly money to do so. My first year was £2500 on a 1.2 Clio worth £3000 at the time.

Voluntary work is a good shout get down your local charity shop and put your name down. Not sure if it would actually make any difference to your insurance thou.

So, when you're short of money due to unemployment; the insurance companies decide to increase your premiums or not even offer insurance because you're unemployed??!!

 

Therefore making it either financially difficult to get another job; as you're spending all of your money on insurance, or making it difficult to travel to potential interviews (bar local transport) as you have no insurance.

 

Makes sense. :S

Only reason unemployed is more expensive is they assume you will use your car more than whe in work for instance I work 8.30-5pm so car is only driven to and from work in the week. If I was Unemployed I could drive round in my car all day so would be a greater risk.

They dont cover mods on voluntary work.

it really is such a con, i never used to understand why people would drive without insurance but i am starting to see why now. Tick two boxes they dont like and you fall into a crack where noone will insure you.

I know the reasons they dont like unemployed as mentioned you have more time to drive, but then whats the point in putting in annual mileage.

As said earlier, sell a few bits on ebay & put self employed.

Set up an ebay account in your company name, do a few trades. Job done, your self-employed Set up the name at companies house if you want to go the full monty, its dead easy.

I'm self employed & my insurance is dirt cheap for my S4. Never been asked for proof, and TBH any profession that involves working for yourself is classed as 'self-employed' no matter how big or small the company. Vat registration does not influence this status.

If you're unemployed surely you're less likely to drive during the day as......................you're unemployed and therefore most likely trying to keep a tight grasp on funds?

 

There may be an argument that suggests you have to drive to interviews etc, but this doesn't seem too much different to driving daily to a place of work.

Just want to clarify to people its not about how much the insurance is, its that i cannot get insurance at all.

been through several modified car specialists now and all come back not liking either the unemployed status, the outstanding claim or both lol.

Thanks 999pooch I will look into that I thought I would have to go through all vat and company registration.

It more of a pain as i have until 20th to sort it.

The thing is you have made proposals or applications for insurance and given the details, so those are the details you need to continue with until your circumstances do change.

No point getting Insurance that is just a Policy which will not be valid if actually looked at closely in the event of a claim.

 

Are all of the other Companies here not prepared to quote for someone not in Employment with a car with Modifications?

 

If they are not prepared to cover someone Unemployed who has a Modified car, 

could some of them maybe say if that is their actual Company Policy or the policy of the Underwriters they deal with?

 

Richard-vrs, 

What are the actual Mods that you need covered?

The list from my current insurance.

aftermarket alloys

uprated brakes

uprated clutch

remap

aftermarket panel filter

cruise control

and front upper strut brace.

The problem im finding is that i seem to fall into a crack, the ones that will cover mods and arent bothered about the outstanding claim dont like unemployment.

the ones that dont mind mods and unemployment dont like outstanding claim, which my current insurance cant do owt about because they are waiting for response from third party involved.

and then all other jobs i have queried, i.e volunteering or even house work which is an option, dont like the modifications.

I'd go down the self employed route then, as someone else said, smash a few goes on ebay buying & selling cheap things. 

That means registering with HMRC within 3 months, paying Class 1 National Insurance, keeping records and paying Tax on Profits.

Selling Personal Items and no Tax Due is not being Self Employed.

& if you are registering and running a business, you get into requiring Business Use Insurance on the car if it was to be getting used to transport items for sale.

Even a Window Cleaner that does the Round on a Push Bike would need the correct Insurance on the Vehicle if collecting the money from their round in the evening  using the car.

 

Easier to get a resolution over the Insurance Claim, and go from there.

Only reason unemployed is more expensive is they assume you will use your car more than whe in work for instance I work 8.30-5pm so car is only driven to and from work in the week. If I was Unemployed I could drive round in my car all day so would be a greater risk.

 

Does your car not require fuel? Lowered to no income would limit that ability for most! 

 

I would try here as they (in a broker sense similar to AF) cover quite a few specialisations.

https://www.adelaideinsurance.com/

 

I appreciate you may have tried many but if you haven't tried them all, I'd keep trying. Claim resolution is totally out of your hands and it is totally fruitless to suggest 'you' should get it sorted. Difficult situation to be in :( Fingers crossed you get a job! I am not sure if it is applicable depending on if and which type of benefits you may be receiving but you may be able to consider yourself retired (may or may not make a difference). Are you undergoing any further training or education to which you may be a student? I would be very careful to be able to honestly back up anything I put down when obtaining insurance and as you have been merely honest in declaring mod's and employment status, it's a shame your not getting anywhere.  

I havent heard of that company will be first on my agenda tomorrow.

i have found alot of specialist brokers all use same insurers though.

had an argument with my current insurance again and they have given me a deadline of monday to have claim resolved but i have heard that a few times over last few months.

thanks for all your suggestions its just a pain that when you are honest with stuff like insurance it back fires lol.

All this is probably why car insurance companies the most hated industry known to man.

 

They simply make the rules up to suit themselves, but come out with wishy washy excuses to justify themselves.

That means registering with HMRC within 3 months, paying Class 1 National Insurance, keeping records and paying Tax on Profits.

Selling Personal Items and no Tax Due is not being Self Employed.

& if you are registering and running a business, you get into requiring Business Use Insurance on the car if it was to be getting used to transport items for sale.

Even a Window Cleaner that does the Round on a Push Bike would need the correct Insurance on the Vehicle if collecting the money from their round in the evening  using the car.

 

Easier to get a resolution over the Insurance Claim, and go from there.

 

Registering with HMRC isnt a issue though. You dont need to pay Class1 national insurance unless you're making over £5,725 a year and I'm sure it'd be easy to break even. If you are buying and selling on ebay there would be no need for business use on the car what so ever. 

With flux been a broker it can get difficult to sort stuff, i phoned and reported it when my vrs was stolen a couple of years ago, I got it back and paid out of my own pocket for repairs etc and contacted insurance and told them am not claiming am fixing it myself,

 

When it came to renewel 9 months later flux sent me a letter with we carn't quote due to on going claim, errr what claim

 

It took about 2 hours on phone to sort it out between flux and the equity redstar who i was insured with, the insurance were actually ok it was flux that made my head hurt,

 

None of your mods are extreme and i wouldn't class cruise control or clutch as mods really

SD&P, with no Commuting, or SD&P with no Business class of cover.

 

I little point about being an Ebay Seller and Self employed.

Deliver the parcels from your home to the post office, or anyplace else in your vehicle and you might well need Business Insurance.

 

Obviously it never arises as an issue,

well,

unless stopped carrying goods, just say a road side check by the police and they ask what all the parcels are in the car.

just like happens often to people self employed delivering Carry Out meals on the odd occasion.

 

Or like mentioned earlier, collecting, window cleaning round money,

or Avon maybe, delivering the orders, Ann Summers payments and the likes.

The list from my current insurance.

aftermarket alloys

uprated brakes

uprated clutch

remap

aftermarket panel filter

cruise control

and front upper strut brace.

The problem im finding is that i seem to fall into a crack, the ones that will cover mods and arent bothered about the outstanding claim dont like unemployment.

the ones that dont mind mods and unemployment dont like outstanding claim, which my current insurance cant do owt about because they are waiting for response from third party involved.

and then all other jobs i have queried, i.e volunteering or even house work which is an option, dont like the modifications.

 

If you took some of the mods off and asked your tuner to put the standard map on, would this make the insurance any easier?

Then when you get a job you could then put the mods ect back onto the car.

I thought about taking mods off, to remove all i have listed would be a pain for some of them.

i may have it sorted family friends runs a shop and for minimum hours minimum wage i think it classes as part time work.

although i like sk4gw idea of selling anne summers.

Oh Try Admiral, by calling them direct too.

 

You'd probably be surprised as they are relatively mode friendly.

 

If you have the original parts I'd do the following to your mods too:

 

aftermarket alloys - Put the original back on and flog them/store them
uprated brakes - Is this R90 approved pads or something like the 312mm brakes?
uprated clutch - Is it a performance one that's none standard, or just a better DMF/Clutch? I wouldn't think the latter was a mod if it's R90 approved.
remap - See if your mapper will put it back to stock and allow you to have it put back later for a small fee.
aftermarket panel filter - Makes sod all difference anyway, do just put a clean paper one in every 10,000 miles.
cruise control - I'd say this is possibly an OEM item.
front upper strut brace - Take it off. If you're on the stock suspension this is going to make sod all difference and likely going to hurt your insurance a lot.