actor's non rip off car insurance

  • Maria Cassidy

    Actor

    A very grown up conversation subject i know, but am in process of renewing car insurance.Found a great deal but when I get to the final hurdle and read the small print it wants to 'double check' I'm not an actor!!! Many companys wouldn't touch me with a barge because of my occupation! Why is this and has anyone had any luck in finding an actor friendly company?

    ps. does it actually matter if i 'forget' to tell them, especially as I'm working a PAYE job and wouldn't use the car for work purposes??!?!?

    • 15th Apr 2006
    • 3620
    • 7
  • Rebecca Probyn

    Actor

    Hi there, there has been another thread about this. i always put down my day job as my proffession that way i miss that little loop hole and it isn't technically lying!

    have a look through the old threads maybe you can find some mor info there

    • 1st Jun 2006
    • 1
  • Martin Clark

    Actor

    It is something to do with the possibility of carrying people in your car who mat be mega famous and insured to a level beyond normality - when I take Julia Roberts for a spin I never let on ;-0

    • 1st Jun 2006
    • 2
  • John Garfield-Roberts

    Actor

    it is indeed due to the fact as above poster mentioned!

    i used to sell car insurance for a broker and having actor or director as your occupation is a scary thing for the price hike! but its also for the fact that if an actor famous or not was to have an accident while they were under contract for a theatre show in a region rep company - it means the show will be cancelled as its rare that these companies have understudies, this will mean refunding ticket prices and a potential loss of £1000's for the theatre which your insurance company would have to refund! and the same if you were on tv the rescheduling potential money loss on a reshoot - or getting another actor in all costs money which your company would have to pay out!

    in regards to saying about your day job! if you take a full time role eg 3month theatre contract and you dont tell your insurance company that you have changed your occupation (look at your small print) - you ARE invalidating your insurance and technically breaking the law, as you are driving without insurance!

    thought i would share what knowledge i know on this subject!

    • 1st Jun 2006
    • 3
  • Forbes KB

    Actor

    Our "other jobs" are useful for more than just keeping the bills paid. As a jobbing actor and HGV licence holder I have advised my insurance company that I am a professional truck driver but with only 13 days truck driving this year it is clear to see which professional I prefer.

    As a declared professional truck driver my combined premiums on 2 cars (BMW 735i & 520i) and a 1,300cc Motorbike) are less than £1,000 per year so it is definately worth it. It also helps that I'm 40 and have never had a claim in 24 years of driving.

    The company that "quotes me happy" knows that I am an also actor but as I do not use my car for any other reason than "Social, Domestic and Pleasure" which includes getting to and from my place of work they don't have a problem with it.

    Regards,

    ForbesKB

    • 1st Jun 2006
    • 4
  • Robert Dearle

    Actor

    Yep last year when renewing our car insurance one compnay told us anyone connected to the 'entertainment business' will have high premiums. If you have a (non acting)part time job, just tell them that. Of course I dont know how you stand if you have a prang on your way to the theatre or location to work!!!

    Rob

    • 1st Jun 2006
    • 5
  • Wendy Denham

    Actor

    I am with the insurance company with the nodding bulldog!!!!!! and I have no problems with cover.

    I had tried several different companies and I got the same response about high premiums or that they would not insure me at all, when I asked for the reason they told me, I might have a famous person in my car, have an accident and ruin their career.When I asked them what if I have an accident when driving my car or I am in somebody elses car and have an accident and my career is ruined and they told me quite literally tough.

    • 1st Jun 2006
    • 6
  • Simon Nader

    Actor

    Hiya, I would recommend that you go with the RAC because, not only do they do an Equity discount, but they also combine your motor insurance policy with breakdown cover. It is also the cheapest quote I have ever had, coming in at just a little more than £300 FULLY COMP. Breakdown cover is usually about £100 on it's own too, so you see what am amazing deal it is. This will depend on your car, postcode, no-claims discount etc, but give them a call definitely. I nearly fell off my chair when I heard the price and wouldn't have cared even if I'd gotten some bruises. At that price it's worth a little pain!

    Good luck,

    Simon.

    • 1st Jun 2006
    • 7