Car insurance

[d000hg]

It's time to renew, so I'm updating my data on confused.com. It wants to know my occupation... last year I was employed as a computer programmer but now I'm a freelancer working through my Ltd. I guess the options I have to choose between are "self employed" and "director". Even though my company only exists for the tax benefits, and I am really still a software developer, is "director" the right option?

[JoJoGabor]

It doesnt matter

[TykeMerc]

It doesnt matter

Actually it can make quite a difference, some occupations have statistically higher risk than others in car crash terms.

[daviejones]

Surely you are employed as a director of a company???

[Cyberman]

I used www.quotezone.com this year and reduced my car insurance from 280 pounds with Direct Line to 180 pounds approx. with Swiftcover(on-line insurance) fully comp which included protected no-claims.

[basshead]

Actually it can make quite a difference, some occupations have statistically higher risk than others in car crash terms.

e.g.
Racing driver
Footballer
Boxer

[TykeMerc]

Journalist
Sales
Military (never understood this one, it could be the average age being low)
Sportsman

All of the occupations listed have risk profiles attached and those can raise or lower or have no effect on the price.

[d000hg]

So it asks me the employed/self employed/director question, and then for my main occupation. I don't really know what's correct... I'm not used to thinking of myself as a director since that's not what I actually do day to day.

[ratewhore]

Even though my company only exists for the tax benefits...

I'll assume you've voluntarily placed yourself inside IR35 then?

[d000hg]

I'll assume you've voluntarily placed yourself inside IR35 then?

I'm not a contractor, I'm a freelancer. My other option is to be self-employed. In which case I would not take a salary and would not be paying company NI contributions or taking dividends. I'm way outside IR35 on just about every factor they list.