Insurance cost and occupation

[Pale Rider]

Confused.com has published some data about how the proposer's job effects insurance premiums.

No surprises, although coppers appear on both lists - a police cadet on the dear one and a 'supervisory officer' on the cheap one.

A countryside ranger is on the cheap list because they run cheap cars.

I think @skudupnorth might be one of those, so might be able to comment.

Not sure if we have any professional footballers or currency traders among the membership paying whackingly high premiums.

If there's a state school finance officer or two among our number they will be enjoying the cheapest insurance.

https://www.confused.com/car-insurance/premium-vs-occupation

 

[Racing roadkill]

Confused.com has published some data about how the proposer's job effects insurance premiums.

No surprises, although coppers appear on both lists - a police cadet on the dear one and a 'supervisory officer' on the cheap one.

A countryside ranger is on the cheap list because they run cheap cars.

I think @skudupnorth might be one of those, so might be able to comment.

Not sure if we have any professional footballers or currency traders among the membership paying whackingly high premiums.

If there's a state school finance officer or two among our number they will be enjoying the cheapest insurance.

https://www.confused.com/car-insurance/premium-vs-occupation

Abattoir worker used to be an occupation that led to lower premiums, and motoring journalist was really bad, in years gone by.

 

[tom73]

"School staff, like finance officers, have the luxury of parking in a secure, private car park for most of the day"
Have they ever worked in school ? We park with the rest of everyone else it's open to the pubic all the time.

"Police have often completed advanced driving training. This makes them more experience and skilled drivers"
Take it they've never have seen the state of some police cars parked round the back of the station.

 

[CanucksTraveller]

A friend of mine who is a serving PC in Manchester drives like a lunatic in his own car, I mean seriously bad, aggressive, dangerous. I don't care how well he's trained, risks are much higher driving like that, no amount of training can stop something unseen happening. I'll no longer get in a car with him. This guy is mid 40s by the way, not a youngster.

My closest matched job (airline management) seems to be low rated. It's funny though, I think most of us could pick at least two or three jobs from the insurers lists and be "very close" in all of them while not being quite bang on.

 

[Julia9054]

When helping my son research car insurance, we went on one of these sites that specialised in insuring young drivers. There was a button to click that said „are you a professional footballer or musician“. When you clicked it it said sorry we can’t insure you!

 

[Milkfloat]

If you want to tweak your job title to potentially save a lot of money then check out https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/ I can legitimately claim Cartographer, so come renewal time I will be trying that out.

 

[vickster]

It's not a very accurate picture though...the cheaper premiums are for older drivers mostly in cheaper cars...
while the traders and footballers are driving more expensive cars. It would be more interesting to see ranges rather than averages. Around 3k for a 23 year old footballer in a 17k car doesn't seem that high (however, lots of 23 year old footballers will be driving high powered £100k plus new vehicles and potentially have a number on their policy)

 

[BrumJim]

I know that by changing my occupation from "Mechanical Engineer" to "Chartered Engineer" I saved a few quid. Unfortunately, literally a few quid. Wierdest one is by adding my non-driving wife (at the time) to my insurance reduced the premium. Although she now uses it for more journeys than I do.

I understand that the footballer and actor insurances tend to be very high due to the risk of having someone of very high net worth in the car with you.

 

[Jody]

I would expect to be hammered for mine but it was cheap as chips this year, despite working in the car trade, driving a sporty hatch, being early 40's and driving above average mileage.

£230 comprehensive for a year

 

[Julia9054]

Joe‘s insurance was £1500. He passed his test last August but for various reasons has only just got his car this January. When we researched insurance last August, the cheapest we could find was £2000. So a big reduction just for having a driving license for 5 months despite the fact that he had not driven once in the intervening period. I would have thought that made him less safe not more.

 

[DCLane]

As a university lecturer (£320 pa) apparently I save £100 by just being an 'invigilator', a bit by being a 'college lecturer' but - why's a Nun (£963) cost more than Vicar (£350) ?

 

[Drago]

I can understand certain professions may represent a genuinely higher risk - racing drivers, stuntmen, car dealers etc.

As for the rest, the industry is a long way from establishing cause-and-effect, and I would suggest for the most part its simply another stick to beat motorists with with little or no mathematical or statistical science behind it.

Interestingly, mine hasn't gone up since I retired, although that now coincides with my early 50's, my lowest risk years. I invariably get quotes and renew online, so always get to select "retired", whereas if I spoke to a human being I would say "retired police orificer", which would more accurately reflect the situation.

I've also noticed that not all online quotes or comparison sites ask about advanced driving qualifications either, another risk-reduction factor they may not ask because lower risk means they should charge you less.

 

[gavroche]

So what is the best profession to be in then?

 

[midlife]

Undertaker.... Max speed walking pace.

 

[Smudge]

I've heard motor insurance is expensive for pub landlords.