Redundancy and car insurance


I am currently on maternity leave, 4 months into it. Not due back to work until January 2019. Just found out I’m being made redundant on 17th September 2018 and my car is up for renewed, I’ve tried quotes on compare the market etc as I know come 17th September I technically won’t be employed however when I renew I will still be employed. What I’m asking is 1) why does it jump so much when you put unemployed and 2) I only have a set amount of money and I’m worried if I tell them 6 days after that I’m redundant they will make me pay more money which I don’t have. Is there anyway around it that isn’t illegal or invalidate my insurance? Thanks


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