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tegs07

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Posts posted by tegs07

  1. 9 minutes ago, NHM said:

    Is there a difference from an insurance perspective on whether you are driving to a paid gig or unpaid - e.g. an 'open mic'?

    It’s to do with what you declare as your source of income. As mentioned previously a bunch of algorithms assess the associated risk based on that profession and pass the cost of insurance against that risk onto the price you pay for cover.

  2. 19 hours ago, casapete said:

    That would be down to you I’m afraid - personally wouldn’t suggest not fully disclosing anything

    where insurers are concerned, as they will do their best to evade paying out over the slightest

    detail. Can’t remember what I’m down as without checking my policy, but think it mentions

    theatre as one of my places of work. ‘ Pop group’ is obviously high risk drugs and rock n roll

    stuff to them....

    I seem to remember questioning why a company wouldn’t insure me under that

    category a few years ago, and they said it was high risk as imagine the claim if I had an accident

    whilst giving Mick Jagger a lift home after a gig! Wonder if they still use that example these days.

    The insurance companies are basically implying you are a potential alcoholic and high risk. I had similar issues when working in a pub.

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