Motor Insurance – scam? – Forums


Hi MSE, I recently received my motor insurance renewal documents from Direct Line and I happened to notice they have my occupation as “Professional Exc.Sport/Tv/Film” which I found surprising as I’ve never worked in those industries – it was also in quite small print.

I have, however, worked in the insurance industry and I’ve always understood any entertainment or sport related occupation carries higher premiums. Therefore, I would never have put this as my occupation – especially as I have always worked in IT.

After contacting Direct Line to correct this error, I was advised there would be no increase in my premium. I told them I was expecting a decrease, but the response was ‘our system generated premium shows no difference’. I expect the story would be different if I was making the change the other way around.

The cynic in me thinks this is a deliberate act on the part of the insurer to subtly increase premiums, hoping customers won’t notice. If this was a genuine mistake, why did it not default to either get DL Customer Service to contact me to confirm my occupation, or to an ‘average’ occupation and not one which carries a generally higher premium than most.

Needless to say, I am now investigating alternative providers, which is a shame as I have been a Direct Line customer for many years across various policies.


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