No Occupation

[Maydup]

I have given up work recently and need a new label! Especially when it comes to insurance renewals.

What label will be the lowest risk. Eg Retired? Unemployed? Housewife? Self employed? Freelancer ? although those are not strictly true, volunteer?

I just want to call myself a Free as a Bird!

[bednobs]

so have you retired? are you unemployed (looking)? are you looking after the house?

[Jackdaw33]

I would go for retired as that's what you are.

[bednobs]

are you going to be claiming JSA?

[Mamyalynne]

If this list is to be believed I'd go with retired.

Top 10 jobs for cheaper insurance
Retirees
Secretary and PA
Clerical assistant
Local government officers
Medical secretary
Secretary
Classroom aide
Book-keeper
Legal secretary
Police officer

[Maydup]

I am self supporting, living off savings, too young for state pension. When the markets recover a bit I can draw from a personal pension if I need to.

In this climate I wouldn't expect to get any work, but if something comes along that I can do I might consider it to help my savings last. In the meantime then I am extremely lucky to be a lady of leisure after a long fulltime career. But I cant put LofL or ever LOL as my occupation!!

I guess I am retired but I wonder if that is a higher risk label than being unemployed or seeking work, or anything else anyone can think of.

[Maydup]

Thanks Mamya, thats useful. I didnt realise its was low risk to be retired, I thought it might assume slow reactions and failing eyesight!

[Mamyalynne]

I should have added the source of that list.

Other sites may well vary.

https://www.completecovergroup.com/blog/about-insurance/can-your-job-title-really-affect-your-car-insurance/

[Buenchico]

>>> I guess I am retired but I wonder if that is a higher risk label than being unemployed or seeking work

Most definitely not. 'Unemployed' is a label which tends to attract very high insurance premiums, whereas 'retired' generally gets far lower ones. However insurers might want an additional label after 'retired' (such as 'retired administrator', 'retired shopworker', etc) before they'll provide you with a quote. If you're able to choose between different labels, go for the cheapest one.

My car insurance says that I'm a 'full-time traffic planner', despite the fact that I've never been a traffic planner and I'm not doing any work full-time. However I've written a detailed letter to my insurers, explaining exactly what work I've done in the past and what I might do, on a casual basis, in the future and they seem happy to stick with that description. (I'd never let slip though that, among other things, I'm a qualified journalist , as that would probably see my premiums go through the roof!)

[Maydup]

Brilliant. I will call myself retired.

It can be between 30% - 60% extra for the unemployed, good job I didnt go for that.

[twix123]

A lot of the old census showed occupation as 'Of Independent Means', although such a description probably doesn't appear on modern 'drop down' lists on application forms. There again, what do the current members of the 'Rich List', who do *** all in the way of work enter as their occupation ?

[Theland]

Sell a teapot and call yourself business trader.