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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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.

FAQs


We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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