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Does my job affect my car insurance?

When looking for car insurance deals, we’re asked to provide a lot of personal information. Questions about our age, address and years of driving experience we understand, but have you been left scratching your head as to why you’re asked to provide information on your profession? Does it really matter?

Short answer, yes. The nature of your work and the amount of driving you do relative to it all contributes to how insurers determine your premium. We take a look at how your job affects car insurance in this guide.

In This Guide:

Why do insurers ask what my job is?

Insurance providers quote you a car insurance price based on past claims data, statistics and predictions. So, while you could be the most careful, sensible and responsible driver when it comes to taking your own wheels out on the road, if your profession is a Fast Car Test Drive Experience Instructor, you’re going to flag up as a risk to insurers. Providers will make assumptions on the nature of jobs and the character that fits them – it’s just how it is. 

But more so than that, they’ll be wanting to know how frequently you’re driving on the roads, how long for and under what conditions; from weather to mental, stress of a job is a big factor with Public Health Sector workers making the most at-fault claims.

Someone who drives their own vehicle as part of their work, say in a city centre for 4 hours a day (including peak hours), is more likely to be in a situation where a claim may arise than a person who commutes rurally only on weekends.

What jobs result in higher premiums?

We’ve outlined below a few industries and jobs which are likely to have an impact on your car insurance quote.

Gender-dominated industries

Some industries are more heavily dominated by one gender than another. While the EU introduced initiatives that made it illegal for insurers to base premiums on gender alone, it’s possible insurers would use gender-dominated industries as a way around this.

Office-based support roles such as secretaries and assistants, as well as nurses and teaching support staff, rank top on a list of professions yielding the cheapest car insurance quotes (according to research carried out by GoCompare). The eager-eyed of you may notice that these roles are more often occupied by women than men.

In a similar vein, male-dominated industries and labour-based job roles such as construction workers, painters and factory hands, as well as security guards, were among the professions demanding the highest insurance premiums.

Unsociable hours

Those angels among us who work in hospitality will also face higher premiums. Bar staff, chefs and waitstaff work long shifts at unsociable hours so they’re more likely to be driving in the dark, where reduced visibility poses a higher risk. Insurers also infer that hospitality workers are more likely to have an alcoholic drink after work than those in other industries, which could lead to an increased likelihood of a claim being made.

How can I pay less?

Be explorative with your job title. Several jobs can have more than one name; the difference is just semantics. Yet, it’s in the semantics where pennies can be saved.

As an example, a painter could also be a decorator and vice versa, however one professional title may lower your premium. As we said, it’s all to do with statistics and data, and only the providers themselves hold the secrets to the reasons for differences in quotes.

We must stress that when you do compare car insurance quotes and select your profession, you must not lie. Don’t say you’re a teaching assistant when in fact you’re a courier as it could invalidate your insurance. However, we recommend having a play around to see if there’s another title that accurately describes your job that results in a lower premium.

Check out other insurance types

If you take public transport to work, work from home, or grab a lift with a friend, then there may be other car insurance options for you. If you only use your car socially then look to take out a Social Use policy, rather than Social & Commuter Use car insurance. This is generally cheaper as insurers deem you’re on the roads much less frequently. However, only select this option if you never use your vehicle for work purposes (including for your commute) as otherwise, it could invalidate your insurance.

Do I need to tell my insurer if I change jobs?

Just like changes to other personal information such as your name and address, you must always tell your insurer if you change jobs, irrespective of how long left you have left on your payment plan. Recent statistics show that over half of the UK population fail to do this and risk, you guessed it, invalidating their insurance.

Sure, predictably it comes with the extortionate admin fee that attaches itself to any amendment but telling your insurance company is worth it over potentially facing a huge payout in the event of a claim, all due to inaccurate information on your policy.

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