Im a DJ - My house insurance has been cancelled

[yourdj]

I called up my house insuance people yesterday (sheilas wheels - although i assume its a bigger company doing the underwritting).
All i wanted was to get them to send documents to my morgage broker.

i happened to ask if i could have certain things on my contents because i am a DJ.
She went away for about 10 minutes and when she came back she said

"Im sorry sir we do not insure DJ's this policy. we will cancel you policy and give you 7 days notice"

I politely told her i have a person living with me, me equipment is not stored in my home and i have two :Censored: Rotweilers
My house has to be the safest one in the street and she was having none of it.

To sum it up they have cancelled the policy with 6 months left costing me £70 :Censored: :Censored: :Censored: :bang: :bang: :bang:

anyone else had this. How stup[id is that. I assume its because DJ's have expensive gear and they work when burglars are about?

[rob1963]

I assume its because DJ's have expensive gear and they work when burglars are about?

Funnily enough, I think you'll find that most burglaries actually take place in the DAYTIME, presumably because homes are more likely to be empty due to the occupants being at work or school.

Therefore, there are LESS burglars about when most DJs are working.

[Gareth]

Did they give you an offical reason? They should be able to provide you with a valid reason behind this. 'Being a DJ' is not a valid reason. Ask them for a reason or for what factors affect the policy for them to establish that the risk is to high.

You are able to dispute there decision by first approching there complaints procedure. After going through all avenues with them to no avail, you can then bring the complaint to the FOS for consideration.

Gareth

[NKR]

My insurance company tried to cancel my car insurance many moons ago when I noticed my renewal documents had a no fault accident missing.
I called them to inform them of the mistake they had made on my renewal documents and she went away and came back ans said we can't insure you, your policy is cancelled.
I flipped my lid and asked for someone in an English call centre and at management level NOW. Got someone in Scotland who I shouted at about my unisured Porsche at which point they did a full review of my policy, apologised profusely as it was nonesense what I had been told and then gve me a 5% discount for not cancelling.
Were you talking to a call centre muppet or someone who knew what they were talking about?

[charlie]

i couldnt get added to my girlfriends car insurance as i was a DJ and they "dont insure DJs on their policies" What a loada rubbish!

[STEVE HANLEY]

So does this count if you're just a part time weekend dj humping the gear around in your's and your mates car?:(

[Gareth]

Were you talking to a call centre muppet or someone who knew what they were talking about?

I work in a call centre technically and I know what I am talking about.

[NKR]

I work in a call centre technically and I know what I am talking about.

Are you India doing computer says no?

[NKR]

So does this count if you're just a part time weekend dj humping the gear around in your's and your mates car?:(

You need to have your second profession as entertainer listed on the insurance policy or you are illegal. If you have an accident and kill someone it could be manslaughter and you will be enjoying a small room with a limited view.

Not many insurance companies will cover it or charge a fortune for it. However, I am on my wifes insurance as an entertainer (which I am) and use her car for the job. It is with Admiral and was cheaper than when I wasn't listed with a second job of entertainer.

You need to have the correct car insurance.

[rob1963]

I am on my wifes insurance as an entertainer (which I am)

Good idea.

Maybe DJs should be giving their occupation as "Sound & light engineer"

In effect, thet's exactly what they are.

[NKR]

Good idea.

Maybe DJs should be giving their occupation as "Sound & light engineer"

In effect, thet's exactly what they are.

I am not lying as I offer services of sound and light engineer, vocal artist, compere and disco. So I offer entertainment services.

[rob1963]

I am not lying as I offer services of sound and light engineer, vocal artist, compere and disco. So I offer entertainment services.

I'm not saying you ARE lying, I'm just suggesting that as an alternative to "Entertainer" we could use "Sound & light engineer" as our occupation, as it seems it's the term "DJ" that insurance companies have a problem with.

Therefore, it's probably a good idea to describe our occupation in a different way.

:)

[NKR]

I'm not saying you ARE lying, I'm just suggesting that as an alternative to "Entertainer" we could use "Sound & light engineer" as our occupation, as it seems it's the term "DJ" that insurance companies have a problem with.

Therefore, it's probably a good idea to describe our occupation in a different way.

:)

I wasn't suggesting you were suggesting I was suggesting that I was lying. That's why forums need a bar and a table to site round as things get taken out of context.

I was just emphasising that I wasn't actually breaking any insurance rules. Its a way round it. All DJ's should list as entertainers and claim to be singers too. The fact you sing :Censored: awful is nothing to do with them!

Back to the OP. Have you tried telling them you are an entertainer?

[STEVE HANLEY]

You need to have your second profession as entertainer listed on the insurance policy or you are illegal. If you have an accident and kill someone it could be manslaughter and you will be enjoying a small room with a limited view.

Not many insurance companies will cover it or charge a fortune for it. However, I am on my wifes insurance as an entertainer (which I am) and use her car for the job. It is with Admiral and was cheaper than when I wasn't listed with a second job of entertainer.

You need to have the correct car insurance.

Thanks for that I'll check it out

[yourdj]

Therefore, there are LESS burglars about when most DJs are working.

Exactly and im at home all day too with two big dogs :confused:


Did they give you an offical reason? They should be able to provide you with a valid reason behind this.

You are able to dispute there decision by first approching there complaints procedure.

Gareth

im getting advice on this tomorrow and ringing them up ;)



Were you talking to a call centre muppet or someone who knew what they were talking about?

she blatently had a "muppet" next to her telling her what to do.


Therefore, it's probably a good idea to describe our occupation in a different way.

:)

I work from home and do sound enginering at the weekends (im not lying) :D

[worldofparties]

I think they don't like insuring DJs because of all the cowboys that rip people off**

**Meaning taking money and not turning up.

So they get back at DJs by not insuring them.:banana: :lol:

:run:

[Gareth]

I'm getting advice on this tomorrow and ringing them up ;)


Cool! I will be interested to find out there reasoning.

Gareth

[Megamix]

I find this surprising - its hardly as risky as insuring a 17 year old to drive a car - anything like this is worth double checking

[DJWilson]

Did they ask what type of DJ you are? As for all they know you could be a club or radio DJ with just CDs :)

[DJMaxG]

Did they ask what type of DJ you are? As for all they know you could be a club or radio DJ with just CDs :)

:agree:

They wouldn't break in for any of my equipment :p

[SC Events]

That's why forums need a bar and a table to site round as things get taken out of context.

...No, we tried that, which resulted in me being labelled the 'Car Boot Kid!' :mad: :Censored: :D

[Spirits High]

...No, we tried that, which resulted in me being labelled the 'Car Boot Kid!' :mad: :Censored: :D

That's because you are ;)

Anyway shouldn't you be out celebrating?

[Dj Diddy Davies]

Hi Guys,

A lot of the "quote based on bedrooms" type insurance companies will not cover outside of the standard, in that they won't insure you if you are running a business from home. I found this out several years ago when i 1st became self employed. Lloyds cancelled my buildings and contents insurance with 7 days notice.

You'll also find a lot of motor insurers won't cover you as a DJ, or if they do will not cover your equipment.

If you don't tell them truth regarding occupation, and you make a claim at any point, they have a valid reason for not paying out.

If you don't tell them the details you are taking a huge risks, and in some cases may as well not be insured. Some insurers may be ok with this, but at least you will have told them (make sure it's added to your notes if you phone!)

Don't take the risk.

Steve.

[DJMaxG]

I'd imagen it goes by the amount of equipment you own. Just a pair of decks would probably be covered by household cover, but certainly not masses and masses of commerical items.

[Gareth]

Hi Guys,

A lot of the "quote based on bedrooms" type insurance companies will not cover outside of the standard, in that they won't insure you if you are running a business from home. I found this out several years ago when i 1st became self employed. Lloyds cancelled my buildings and contents insurance with 7 days notice.

You'll also find a lot of motor insurers won't cover you as a DJ, or if they do will not cover your equipment.

If you don't tell them truth regarding occupation, and you make a claim at any point, they have a valid reason for not paying out.

If you don't tell them the details you are taking a huge risks, and in some cases may as well not be insured. Some insurers may be ok with this, but at least you will have told them (make sure it's added to your notes if you phone!)

Don't take the risk.

Steve.

I agree. All phone calls will be recorded in case you need to go that far. When it comes to refund of premiums, the insurer needs to prove that you purposfully did not inform them of the mitigating circumstances, in this case being the non-disclosure of you running a business from your property.

Gareth

[Vectis]

On a slight aside, those of you who are 100% self-employed but not necessarily 100% disco related ought to have 'the discussion' with your (prospective) insurers.

Before entering this year's insurance arrangements for the van (which is used pretty much 100% for disco work as I also run a car), I called up the insurer because the categories shown online were ambiguous. We got into a discussion about what my self-employment entails, and of course wearing several hats this is always a difficult one. It's the same at parties when folks ask what you do for a living.

Anyway, we agreed that as my project management activities bring in, by revenue, the greatest share of my income, that this would go on the proposal form as my main employment EVEN THOUGH the van is hardly ever used for this reason. They were happy with this, the phone call was recorded, and I was certainly happy with it.

Just thought I'd share.