What do you call yourself, unemployed or self employed?

[SuuPRlim]

#selfsupported

[Mohican]

#selfsupported

Surely you now qualify as a restaurant owner?

[Junior Senior]

the official answer is 'retired' if you are not paying income tax or NI contributions. I spoke to the tax office about this 10 years ago or so and that is what they told me to put on forms and insurance documents etc.

the problem with getting smart about making up your own job title is that insurance companies will just wriggle out of claims if you can't prove you are actually 'employed' in a job with that title (i.e through a company that can provide proof or evidence by way of a contract of employment or letter.

You might get away with self employed but usually that means you would need to do a tax return and declare what you are self employed as.

sorry if this has been covered - i didnt read the whole thread.

[cheesies]

the official answer is 'retired' if you are not paying income tax or NI contributions. I spoke to the tax office about this 10 years ago or so and that is what they told me to put on forms and insurance documents etc.

Any idea if this is still the case if you do pay NI? In fact can I put 'retired' on my voluntary contributions form? Plan to start paying when I move back to the UK.

[Junior Senior]

the official answer is 'retired' if you are not paying income tax or NI contributions. I spoke to the tax office about this 10 years ago or so and that is what they told me to put on forms and insurance documents etc.

Any idea if this is still the case if you do pay NI? In fact can I put 'retired' on my voluntary contributions form? Plan to start paying when I move back to the UK.

Dont know. I only stopped paying them for a couple of years. If you plan or expect to be pokering for a long period of time then certainly worth ringing them and asking them their advice.

[SuuPRlim]

#selfsupported

Surely you now qualify as a restaurant owner?

company director, restaurant owner/worker/manager is just as bad as poker player for insurance premiums somehow

[Mondeoman]

I've phoned up insurance companies before and they suggested entertainer or professional sportsman (both of which unsurprisingly result in huge premiums).  I decided to settle on house husband.  Even before I was married and living in a shared house I used house husband, I agreed with my housemate that we'd just pretend to be in a civil partnership if it came down to it.

In my experience insurance companies are extremely lazy when it comes to investigating claims, doubt they would ever look into your job title anyway.

[SuuPRlim]

yeh i guess as long as you can somewhat marginally back the claim up.

[pvas2]

Most of the online comparison sites have "gambler" down as a profession but unsurprisingly "house husband" gave cheaper premiums as already mentioned. After reading my terms and conditions for insurance they only want to know of any changes when renewal is due, including if you get a ticket for speeding (arrived through the door a few days after renewal was complete, phew!). I imagine changing jobs would be the same, so if it's realistic to do, start your renewal with a "safer" job title.

[david3103]

Most of the online comparison sites have "gambler" down as a profession but unsurprisingly "house husband" gave cheaper premiums as already mentioned. After reading my terms and conditions for insurance they only want to know of any changes when renewal is due, including if you get a ticket for speeding (arrived through the door a few days after renewal was complete, phew!). I imagine changing jobs would be the same, so if it's realistic to do, start your renewal with a "safer" job title.

Which terms and conditions? The comparison site or the insurer? I'd be surprised if any of the comparison site specialists were turning down the chance to get a legit premium increase or a less legit Administration Fee.

[pvas2]

Most of the online comparison sites have "gambler" down as a profession but unsurprisingly "house husband" gave cheaper premiums as already mentioned. After reading my terms and conditions for insurance they only want to know of any changes when renewal is due, including if you get a ticket for speeding (arrived through the door a few days after renewal was complete, phew!). I imagine changing jobs would be the same, so if it's realistic to do, start your renewal with a "safer" job title.

Which terms and conditions? The comparison site or the insurer? I'd be surprised if any of the comparison site specialists were turning down the chance to get a legit premium increase or a less legit Administration Fee.

The insurer, direct line in my case.

[Longines]

Direct Line's policy document.

Click to see full-size image.

You have to tell them about a change of job immediately. I was surprised that points and disqualifications can wait until renewal.

[pvas2]

Ah ok interesting. I figured they would care more about driving offences rather than a change in job.