Originally Posted by Cakesbyhannah
Thank you for your reply. It's not really about the money, I'm just not sure what to write as occupation. Are we classed as bakers or catering. Even the companies don't know when I ring. I've out self employed, I just wondered what other people class themselves. Hannah x
Sounds as if they classify their cover by putting the occupation so that they can assess the risk. The risk for a caterer is higher than that of a baker. Probably because transporting baked goods is less risky that transporting cooking equipment and all the associated tools. It sounds as if the insurer has an expectation of the use of the vehicle for each occupation. Perhaps you should be asking about the difference in the cover for each occupation and choose the best fit.
Although you seem to have asked a really simple question I doubt that it has a simple answer because the implications should you need to make a claim have the potential to leave you in a big hole. I still believe it is less about what you decide your occupation is and more about the cover that any particular occupation has under the policy you pay for. I Guess I am saying that perhaps you are asking the wrong question.
Although I have worked as self employed my occupation did not make a difference to the car insurance policy I needed. But I did have to take the same type of care over my liability cover.
Perhaps you should find an insurance broker whom you can talk to face to face to find you the sort of cover you need. And who can advise you. Ok you have to pay him but with the liability caver you also need for the business you may get a better deal.