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Check your policy documents.

 

Changes to your occupation status have to be disclosed mid-term, not just when policy taken out or renewed.

 

What you should perhaps have done, is explain to Insurers the position with your occupation and only agree to take up cover, if the admin fees for changing the occupation were waived. The Insurers will change the premium to reflect the occupation, but often admin fees can be waived at their discretion.

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