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How does your job title affect your car insurance?

Your job can make a big difference in how much you pay for car insurance each year. But if you answer the question about your job carefully, you might be able to save money.

How are car insurance premiums calculated?

To determine how much you’ll pay for car insurance, several things are taken into account. These include your age, where you live, and the type of car you have. It may come as a surprise, but your job title is also considered. Insurance companies will ask about your job and the industry you work in. Your answers can have a big impact on how much you pay for insurance.

Learn more about how car insurance premiums are calculated.

How does your job affect the cost of car insurance?

Your job can have a significant impact on the cost of your car insurance. Insurance companies base their prices on data about how people drive, which includes past claims they’ve paid out. By analysing this data, they can make predictions about the likelihood of future claims.

If certain types of jobs are linked to a higher number of accidents or claims, insurers will adjust their premiums accordingly. For instance, if scaffolders are found to be involved in more accidents, insurance companies may charge higher premiums for individuals in that profession. Similarly, if people in a particular industry tend to make more expensive claims, insurance providers may charge higher rates for people with jobs in that industry.

When you apply for car insurance, the insurer will ask about your job and the industry you work in. They use this information, along with other factors such as your age and driving record, to calculate your premiums. So, if you have a job that is considered high-risk, you may end up paying more for your car insurance. On the other hand, if you have a job that is deemed low-risk, you may be able to get a cheaper premium.

What job title is the most expensive for car insurance?

According to a study by MoneySuperMarket, footballers continue to pay the highest average premiums for car insurance for the second year in a row, with an average cost of £1,942. This might not be a surprise given that many footballers own expensive cars. However, the list of occupations with the highest premiums is quite diverse, including professions such as car wash attendants, abattoir workers, and more.

The study was conducted based on car insurance inquiries submitted to MoneySuperMarket between December 2019 and November 2020. To be included in the study, an occupation needed to have been listed in at least 200 car insurance inquiries. Other high-risk occupations included professional athletes, fast food delivery drivers, and scrap dealers. These professions tend to be associated with higher risks of accidents or theft, which is why insurers charge higher premiums.

It’s important to note that the cost of car insurance will vary depending on a range of factors, including age, driving history, and the type of car being insured. While job title is one of the factors insurers consider when calculating premiums, it’s not the only factor. If you’re looking for car insurance, it’s always a good idea to compare quotes from multiple providers to find the best deal for your individual circumstances.

Jobs with the most expensive car insurance

Professional footballer – (£1,942 per year)
Car wash attendant – (£1,616 per year)
Sports person – (£1,559 per year)
Fast food delivery driver – (£1,537 per year)
Abattoir worker – (£1,487 per year)
Scrap dealer – (£1,396 per year)
Town clerk – (£1,324 per year)
Ceiling fixer – (£1,244 per year)
Advertising assistant – (£1,223 per year)
Model – (£1,217 per year)

According to MoneySuperMarket data correct as of November 2020

What job title is the cheapest for car insurance?

The types of jobs that pay the least for car insurance are very different from those that pay the most. People who own guest houses pay the lowest premiums, which are only £258 on average. After that, typists and retired people pay the next lowest premiums, which are £271 and £275 respectively.

Jobs with the cheapest car insurance

Potter – (£306 per year)
Chiropodist – (£305 per year)
Hypnotherapist – (£305 per year)
Countryside ranger – (£299 per year)
Medical secretary – (£299 per year)
Examiner – (£295 per year)
Registrar – (£289 per year)
Retired – (£275 per year)
Typist – (£271 per year)
Guest house proprietor – (£258 per year)

Related: Car insurance guides

According to MoneySuperMarket data correct as of November 2020

Can you change your job title to save money on your car insurance?

When you buy car insurance, your insurance provider will provide you with a list of job titles to choose from. You should pick the one that best matches what you do for a living. But, there might be more than one option that’s accurate. If you’re clever and honest about how you describe your job, you may be able to get a cheaper policy.

For example, if you work as a chef, you could choose the job title “caterer”. If you’re a journalist, you could describe yourself as a “writer” or “publisher”. However, it’s important to remember that everything you write in your car insurance application must be truthful. The job title you pick must accurately reflect your occupation.

Chef

If you provide false information and your insurer finds out when you make a claim, they may refuse to pay the claim or only pay part of it. This could also lead to accusations of insurance fraud, which could make it difficult for you to get insurance in the future or even result in legal action. So, while it’s possible to choose a different job title to save money on your car insurance, it’s essential to be truthful and accurate when you do so.

What if I have more than one job?

If you have multiple jobs, you need to inform your insurance provider about each one. They will usually focus on your main job when determining your premiums. However, if you have two or more jobs that are equally important, they will take both into account.

It’s essential to be transparent and accurate when providing information about your employment status to your insurer. Failing to disclose all your jobs could result in your insurance policy being voided or cancelled if you make a claim. In the worst-case scenario, you may even face legal action or accusations of fraud.

If you’re unsure about which job to list as your primary occupation, you can always contact your insurance provider and ask for guidance. They will be able to help you choose the most appropriate job title to accurately reflect your employment status and calculate your premiums.

Do you have to tell your insurer if you change jobs?

If you change jobs, you must let your insurance provider know if your new occupation falls into a different risk category. For example, if you were a shop assistant and then became a delivery driver, you would need to inform your insurer. However, if you change employers but continue to work in the same profession, such as going from a shop assistant to a shop assistant manager, you wouldn’t need to tell your insurer, and your policy would still be valid.

It’s always better to be safe than sorry, so if you’re unsure whether you need to inform your insurer about a job change, it’s best to contact them and ask. It’s worth noting that if you change your job title while your policy is still in effect, you may be charged an administration fee or a policy amendment fee by your insurance provider. The cost of this fee will vary depending on the insurer, but it’s worth considering whether the cost of the fee is worth notifying your insurer about the job title change. If it’s just a promotion, it might be more cost-effective to wait until your policy is up for renewal.

What if I lose my job or stop working?

If you lose your job or stop working, your car insurance premiums may be affected. For example, retired people tend to pay less for car insurance as they are involved in fewer accidents, perhaps because they avoid driving during rush hour. However, unemployed individuals may be charged higher premiums as they may be driving more frequently in search of work and may also spend less on vehicle maintenance, increasing the risk of accidents.

Students who work should also provide details of their employment when getting a car insurance quote. The type of work they do could impact their premiums. For example, if they work in a high-risk profession, such as delivery driving, their premiums may be higher than if they worked in a low-risk job like retail.

If you experience a change in employment status, it’s essential to inform your insurer as soon as possible. They may need to adjust your premiums or update your policy accordingly. Failing to inform your insurer about changes in your employment status could result in your policy being invalidated if you make a claim.

Do I need to prove my occupation to my insurer?

When purchasing car insurance, you generally don’t need to provide proof of your occupation to your insurer. However, this doesn’t mean you should be tempted to lie about your job title to get a lower premium. If you make a claim, your insurer may ask for proof of your occupation, such as a payslip or employment contract. If you can’t provide proof, your claim could be denied, and your policy may be invalidated.

It’s essential to be truthful and accurate when providing information about your occupation to your insurer. Failing to do so could result in serious consequences, including accusations of insurance fraud, which could lead to legal action and difficulties getting insurance in the future. If you’re unsure about which job title to choose or have any questions about how your occupation might affect your premiums, you should contact your insurance provider and ask for guidance.

Related: Car safety checklist

How can I pay cheaper car insurance if I’m in a higher-risk occupation?

If you have a higher-risk occupation and are looking to lower your car insurance premiums, here are some tips to consider:

Let your insurer know if you don’t use your car for work or commuting purposes. This may help to lower your premiums, but it’s crucial to be truthful as providing false information could lead to legal action.
Consider reducing your annual mileage if you don’t drive very often. Some insurers offer lower premiums if you agree to restrict your annual mileage.
Check if there are any other job titles that accurately describe what you do that is classified as lower risk. However, it’s essential to be honest and ensure the job title you choose accurately represents your occupation.
Shop around for the best deals. Use a comparison service like Comparoo to compare quotes from different insurers. Remember that job title is only one of many factors that affect your premiums, so be sure to compare all aspects of the policy, including excess, coverage, and additional benefits.

By taking these steps, you may be able to find cheaper car insurance, even if you have a higher-risk occupation. However, it’s essential to be honest and truthful when providing information to your insurer, as lying or providing false information could lead to serious consequences.

Compare car insurance

At Comparoo, we believe that finding the right car insurance policy shouldn’t be a hassle. That’s why we offer an easy-to-use comparison site that allows you to compare car insurance policies from over 110 insurance providers. By using our site, you could potentially save up to £334* on your car insurance policy.

Our site is designed with you in mind, providing a user-friendly interface that makes it easy to enter your details and compare quotes. We understand that everyone’s insurance needs are different, which is why we provide a wide range of policies to choose from. Whether you need basic coverage or want additional benefits, our comparison site allows you to customise your search based on your specific requirements.

We are committed to helping you find the best deal for your individual circumstances. With Comparoo, you can trust that you’re getting an unbiased comparison of policies and prices, allowing you to make an informed decision about your car insurance.

Frequently asked questions

What job title gets the cheapest car insurance?

Although individual insurers decide the best jobs for car insurance, professions with safe drivers, such as secretaries or librarians, typically result in fewer claims that are cheaper to settle, resulting in lower premiums.

What happens if my job title for my car insurance is wrong?

If you have selected the wrong job title on a car insurance policy, it is important to contact the insurer as soon as possible. The insurer can correct the job title, which may result in a change to the premium.

Is car insurance cheaper for students than employed people?

Car insurance for students is generally more expensive because they are often considered higher risk and may be inexperienced drivers.

However, whether car insurance is cheaper for employed individuals than for students depends on the level of risk associated with the employed person’s job.

Does being self-employed make car insurance cheaper?

The cost of car insurance for self-employed individuals depends on the nature of their work. Generally, self-employed drivers pay more for car insurance as they are perceived as a higher risk, especially if they use their car for work purposes.

What happens if I change my job during my car insurance policy?

If a policyholder changes their job during their car insurance policy, they should inform their insurer immediately.

The insurer will reassess the risk level and calculate a new premium. If the policyholder is halfway through their policy, they can continue with the existing coverage until renewal or leave early (subject to a penalty fee).