How your job affects your car insurance

You may be an accountant, a lorry driver or a reporter. Find out more about how your job can affect your car insurance.

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Most people don’t really think about their job title when applying for car insurance. But what you do for a living and how you describe it to your provider can have you paying more for your policy.

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Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Young driver insurance
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy ( Introductory discount, Minimum premiums apply))
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Personal accident cover up to £5000.
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
Cover up to £10,000 per accidentand £2,500 per person.
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance
Up to 90 days.
Up to £5000 cover.
If you're an existing customer and you insure your second car at the same address, you get a discount of £50

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How does my job affect my car insurance?

The cost of your insurance could be higher or lower depending on whether you travel regularly as part of your job or whether you carry equipment or stock in your vehicle. Certain jobs also carry with them certain assumptions. For example, athletes and entertainers are known to pay much more for car insurance as their jobs are considered to have a higher risk of injury and thus they are more likely to file a claim.

Nurses, on the other hand, pay some of the lowest premiums, as insurers consider them to be of lower risk and less likely to file an expensive claim.

Other high risk occupations include:

  • Fruit and vegetable pickers
  • Waiters
  • Builder’s labourers
  • Factory packers
  • Painters
  • Car valets
  • Security guards
  • Construction workers
  • Barbers
  • Delivery couriers

What else is used to calculate my premium?

The amount you pay for your car insurance policy is a reflection of how likely an insurer thinks you are to make a claim, and how expensive that claim is likely to be.

Some of the main factors that’ll help determine how much you pay include:

  • Your age
  • The car you drive (its value, power, desirability)
  • The security of your car
  • How you use your car
  • Your driving history and whether you have a no-claims bonus
  • Your excess
  • The type of cover you buy

How can I avoid invalidating my cover?

If you are changing jobs, it’s important that you inform your car insurance provider. Failing to do so may invalidate your insurance policy and, as a result, the provider may refuse to pay out in the event that you make a claim.

It’s also important to be aware that changing your job title could result in a higher or lower premium. You could also face a charge for amending the details of your policy. On average, insurers can charge between £20 and £50, depending on the insurer.

How to reduce costs

Essentially, your car insurance premium is based on how likely you are to make a claim. In order to reduce your premiums, buy a policy that is just enough to cover your needs.

Choosing your level of cover

There are three different types of car insurance to choose from. The more at-risk your occupation is for certain hazards, the more important it is to be covered for that hazard, but it will typically cost more.

  • Comprehensive. This is the highest level of cover available and it’s the only policy that typically includes effective cover for weather damage. This means that it may be disproportionately more expensive, but it also may be more important if you travel to locations that are prone to extreme weather. Parking in a garage or under cover can help lower the cost of comprehensive cover.
  • Third party with fire and theft. This is a liability policy with cover for fire and theft, unlike third party only policies. Occupations with a higher risk of car theft will attract higher prices. Car security systems, such as immobilisers, alarms or VIN etchings, can help you keep costs down.
  • Third party only. This is the most affordable type of policy. This policy generally comes with little or no cover for damage to your own car. If you work in a high-risk industry, then this policy may be missing the type of cover you need.

There are many other factors which affect car insurance prices besides your job. It may be worth looking over your policy for other ways to cut down on your car insurance premiums. Once you’ve done that, getting even lower prices simply comes down to comparing policies side-by-side.

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*Disclaimer: The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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