The impact of your job on car insurance

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What Car? Staff
20 Aug 2012 10:17 | Last updated: 14 Jun 2018 0:3

What you do for a living can have a big impact on the cost of your car insurance, with some job titles more than doubling the premium you are quoted.

Mobile disco owners, for example, face the highest insurance costs because not only are they often driving late at night, they are also doing so with lots of expensive equipment in their cars.

Airline pilots, on the other hand, spend less time behind the wheel than the average driver and are therefore rewarded with lower premiums.

Here, we highlight some of the reasons insurers classify certain jobs as higher risk than others and offer advice on keeping costs down whatever your occupation.

Using your car for work
If you use your car or van for work on a regular basis, you may need a business car insurance policy.

These are generally more expensive than standard policies, but will offer the protection you need.

If, however, your job means that while you do not use your vehicle for work on a daily basis, you are likely to need it from time to time, the cost of a standard policy will also rise to take this into account.

As with mobile disco owners, the need to transport valuable equipment around with you could also have an impact both because it could be damaged in a crash and because it might encourage break ins.

Builders and electricians are likely to pay more than shop assistants and administrators for this reason.

Non-standard working hours
Most accidents and collisions take place when the roads are busy, which is why people who have to drive around for work during the day often face higher premiums.

It is, however, those who work unsociable hours and have to drive at night that generally pay the most for their cover.

Not only are they more likely to be on the roads when other drivers are tired or have been drinking, they also often have to leave their cars parked in high risk places at nighttime, increasing their risk of theft and damage.

Interestingly, casino croupiers also pay more than most for their car insurance due to the added risk of angry punters who have hit a losing streak blaming them and vandalizing their cars.

Risk by association
A number of occupations will by their very nature attract an element of risk through association.

Those who work in the arts, entertainment or professional sport arenas, for example, might drive safely, but the risk of a large payout is still higher as an accident could lead to a career-ending injury or disfigurement.

The same is true of occupations such as journalism and media relations, as there is a higher probability of them having a famous person in the car with them than the average driver (or they could be quite well known themselves).

Don't be tempted to stretch the truth
If your profession is one that is deemed to be high risk, don't be tempted to stretch the truth about your job description in order to lower the premium. It could prove a false economy because if your insurer finds out it could reject any claim you may have to make.

It is therefore really important to get find the occupation description that most closely reflects your job.

This article has been researched and written by whatcar.com's car insurance partner, MoneySupermarket