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<p>As a rule, insurers use their claims experience and other industry-wide statistics to assess the risks posed by an individual and set the terms and price at which they will offer insurance cover. This can mean that where insurers think it relevant, people who are unemployed are offered more expensive cover or different terms.</p><p>However, people who are unemployed should still be able to find insurance in the current market. For those who have difficulty the British Insurance Brokers' Association (BIBA) is able to advise on how best to look across the insurance market for appropriate cover and may be able to provide names of specialist brokers who can advise on the availability of appropriate insurance and trawl the market for the best available deals.</p> |