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Factor, Person one has a job doing whatever, person two is unemployed, the 2 persons pay their road tax, running cost + insurance, person 2 gets to loose his / her job, if their insurance is ready to be renewed & states on his / her renewal that they are unemployed the premium goes up, whilst the premium for the employed person stops the same, the 2 persons had the same standards, eg/ running about to the shops / town, holidays but because person 2 has lost his / her job the price goes up? if that is not discrimination, what is, do you follow my point? it is totally unfair to penalise the unemployed person.