Ten jobs that mean expensive car insurance !!

[Glenski]

And guess what ???

Yep, DJ at the top of the list, well mobile anyway :(

Link HERE (http://www.thisismoney.co.uk/money/cars/article-2053292/Ten-professions-mean-expensive-car-insurance-Mobile-disco-owners-charts.html)

Thank you

Glenn

[Corabar Entertainment]

http://www.forum.mobilediscodirectory.co.uk/showthread.php?t=35586 :whistle:

At least the article you posted Glenn gives a little of the supposed reasoning behind it.

[Vectis]

Now then, here's a bit of fluff you can finally use to your marketing advantage.

Even though we all know that £6,809.57 is nonsense, it's a published authoritative article, so next time someone challenges your fee and wants to know why it's so high, stick the URL in the response ;)

[yourdj]

Swift cover do not even insure musicians or dj's :(

[NKR]

Entertainer is much cheaper. As most of us could do some kids parties, or compereing we are general entertainers. Just make sure you have a couple of jobs a year that are not DJ only and you can justify your diverse status.

[JAMdisco]

Entertainer is much cheaper. As most of us could do some kids parties, or compereing we are general entertainers. Just make sure you have a couple of jobs a year that are not DJ only and you can justify your diverse status.

Hmmm, a tricky one this, as has been said on another thread, the insurers aren't daft and you need to be very careful how you present your business. One or two 'other' jobs a year may not be enough to convince the insurers if you have a bump.

Best to be honest IMHO - there are good prices to be had out there, just shop around.

It does seem a bit crazy though as effectively you're travelling to and from a place of work - which is what most insurance companies clearly think is ok and also the majority of the time (especially on the return leg) there is hardly any traffic on the roads! :confused:

[NKR]

Hmmm, a tricky one this, as has been said on another thread, the insurers aren't daft and you need to be very careful how you present your business. One or two 'other' jobs a year may not be enough to convince the insurers if you have a bump.

Best to be honest IMHO - there are good prices to be had out there, just shop around.

It does seem a bit crazy though as effectively you're travelling to and from a place of work - which is what most insurance companies clearly think is ok and also the majority of the time (especially on the return leg) there is hardly any traffic on the roads! :confused:

We do around 70 to 80% of our work as singer DJ now, so Entertainer is fair description. I am more sound and light engineer than DJ these days.

[yourdj]

Still wont be insured with swift cover :D

on aserious note all you have to do is google you and it mentions quite a few times you are a dj or disco which in the event of a crash etc. may invaliadate your insurance and some serious consequences.

The main title says "professional DJ".


-

[yourdj]

Ran out of time:


in court they can justify that you still carry the same kit and although you sing you may still perform the same funtions as normal when just DJing as all they care about is the journey there/back and the security of having lots of expensive kit in the car - which may lead to theft, vehicle instability and increased risk of a fatal accident in which they will have to pay mega money.

[NKR]

Ran out of time:


in court they can justify that you still carry the same kit and although you sing you may still perform the same funtions as normal when just DJing as all they care about is the journey there/back and the security of having lots of expensive kit in the car - which may lead to theft, vehicle instability and increased risk of a fatal accident in which they will have to pay mega money.

We tow a trailer legally so nothing in the car and it is entertainment that we provide. We are not a mobile disco only as on Friday we will be doing compereing only, Saturday is a singing job and Sunday is a childrens entertainment job.

Entertainer is a valid category in the jobs section of insurance list so there is nothing to answer in court as we are entertainers. I have already cleared it with my insurance company when the quote was given.

So until your get your law degree then I would avoid providing legal advice. Do we provide entertainment (a variety of) - yes. Are we therefore entertainers - yes. Have we provide false information - no. No case to answer.

[yourdj]

We tow a trailer legally

I have already cleared it with my insurance company when the quote was given.

Interesting that it may be different for trailers never thought of that

did you get the permission in writing? :)



So until your get your law degree

There is no need to be rude:

As per the post above insurance salesmen are not lawyers they are employed to sell you products,
but if you have it all legit then thats cool I was only trying to help.

I understand you may think this is a personal intrusion on your business proceedings but you made the post
and I am pointing out something that may well save your licence and perhaps even allot of money,
but if you all cool with the insurance company then thats great :)

I am sure someone like Angela has a wise thing to say as she has a background in law and
I do not and am the first to say that I generally do not not know what I am talking about which is why I underlined may in the quote below :)


on aserious note all you have to do is google you and it mentions quite a few times you are a dj or disco which in the event of a crash etc. may invaliadate your insurance and some serious consequences.

[NKR]

I am sure someone like Angela has a wise thing to say as she has a background in law and
I do not and am the first to say that I generally do not not know what I am talking about which is why I underlined may in the quote below :)

I wasn't being rude, but you were suggesting someone could prove something in court when you have no legal training or ever having likely been in a court.

I have a very good grounding in law too. I need to have when dealing with the legalities of contract law, construction law, landlord and tenant law and various other legal proceedings around sales of very large investments portfolios oh and yes health and safety law. I also deal with the Liability insurance on numerous properties too. Its an everyday thing for me dealing with solictors and legal matters.
Has a false statement been made is the case you would have to answer and the answer is no. The vehicle has class 1 business insurance for use by me as an entertainer in the pursuit of my second employment. It is not a false statement.
if you read the article the op brought up in detail it even suggests you check the various professions that you could describe yourself as - ie bricklayer or builder (same thing in many respects).

[Solitaire Events Ltd]

I wasn't being rude

Neil

I have to say that you have come across as rude a few times recently which is unlike you. Perhaps a quick read of what you are about to post might be a good idea?

Toby was only trying to help.

[NKR]

Neil

I have to say that you have come across as rude a few times recently which is unlike you. Perhaps a quick read of what you are about to post might be a good idea?

Toby was only trying to help.

Maybe so and I apologise if it came across rude, but i have noticed Toby has a way of putting stuff down in print and then a couple of posts later pointing out he knows nothing about it.

If you don't know about the law and court then don't suggested what an insurance company could prove in court. Its not helpful advice to anyone.

Its probably down to the fact I am so bombed out at the moment I haven't got time to read back over things. I wouldn't deliberately go about being rude to anyone. I am currently working 7 days a week most weeks and sticking in some 18 hour days at times. The joys of part time hey.

[Solitaire Events Ltd]

I agree with what you say Neil. I hate it when people who aren't qualified in a particular area start guessing at the law and this does apply to everyone.

Is good grounding being qualified or are your answers the same as everyone elses?

[NKR]

I agree with what you say Neil. I hate it when people who aren't qualified in a particular area start guessing at the law and this does apply to everyone.

Is good grounding being qualified or are your answers the same as everyone elses?

I have to deal with insurance provision and duty of care as well as dealing with the law on a regular basis. In fact I could well be in Magistrates at beginning of November to deal with an ongoing issue. Nothing exciting, but I deal with the law on a regular basis.

The point remains - Is what I do entertainment - yes. Does that make me an entertainer - yes. Was entertertainer an available option on the insurers website - yes. Therefore have I lied about my profession to obtain cover - no. Have I made a false statement in any shape or form - no. So there is not legal case to answer. Entertainer is an available profession and I have class 1 business as a second employment entertainer. I do very little just DJ'ing these days anyway, so its factual.

I have dealt with enough legal situations to be able to undestand that. If worst comes to the worst and it ever got that far I can call on Barrister friends to help out.

[yourdj]

I do not want to get in an argument or offend you so sorry for those comments :)
I made a statement that has no legal justification and probably something that your are more than sorted for as you have made clear :D

It may perhaps be some advice for other users (and lurkers) of the forum who may think about pretending they
are bricklayers or lawyers on their insurance certificates but are actually part time mobile DJ's
(and visible on Google) and may avoid a potential legal issue?

I am only talking from experience as I have put myself down as a printer for many years
when I am now (and always have been) technically a mobile DJ (in the eyes of the law as a part time profession counts).

:)

Thats me out. ;)

[NKR]

I am only talking from experience as I have put myself down as a printer for many years when I am now technically a mobile DJ.

:)

You need to declare any second employment on your insurance by law or you are commiting fraud. Hence why I am a Chartered Surveyor with second Employment as an Entertainer.

Not mentioning in any form something which you clearly use your vehicle for is not clever.

Just edit - clearly you have spotted this error and are doing the right thing, so it was not a lecture. See doing the reading back thing. :-)

[Kernow]

Entertainer is much cheaper. As most of us could do some kids parties, or compereing we are general entertainers. Just make sure you have a couple of jobs a year that are not DJ only and you can justify your diverse status.

Or change a couple of ceramic lampholders, and call yourself a china restorer ?

;) :D :D :D

[yourdj]

You need to declare any second employment on your insurance by law or you are commiting fraud. Hence why I am a Chartered Surveyor with second Employment as an Entertainer.

Not mentioning in any form something which you clearly use your vehicle for is not clever.

Just edit - clearly you have spotted this error and are doing the right thing, so it was not a lecture. See doing the reading back thing. :-)

I do make the most of my ten mins :p Being Dyslexic and a bit slow I need it.
Most people do not post back that quick.

I am not on her to fall out with people - quite the opposite ;)

[NKR]

I do make the most of my ten mins :p Being Dyslexic and a bit slow I need it.
Most people do not post back that quick.

I am not on her to fall out with people - quite the opposite ;)

No mate me reading back so not to appear rude - as Darren suggested. Never noticed your posts being anything than other than completely legible, so if you are dyslexic I have never noticed at all.

[Andy Collins]

Swift cover do not even insure musicians or dj's :(

Thats irony for you! Swift cover use Iggy Pop (A Musician) for thier promotions, for whom they wont cover?? :corabarsteve:

[Solitaire Events Ltd]

I have to deal with insurance provision and duty of care as well as dealing with the law on a regular basis. In fact I could well be in Magistrates at beginning of November to deal with an ongoing issue. Nothing exciting, but I deal with the law on a regular basis.

The point remains - Is what I do entertainment - yes. Does that make me an entertainer - yes. Was entertertainer an available option on the insurers website - yes. Therefore have I lied about my profession to obtain cover - no. Have I made a false statement in any shape or form - no. So there is not legal case to answer. Entertainer is an available profession and I have class 1 business as a second employment entertainer. I do very little just DJ'ing these days anyway, so its factual.

I have dealt with enough legal situations to be able to undestand that. If worst comes to the worst and it ever got that far I can call on Barrister friends to help out.

That didn't answer my question though.