Motor Insurance Jobs Uk

Motor Insurance Jobs Uk – A person’s occupation is one of many factors that car insurance companies take into account when calculating the cost of premiums, and new research suggests it may have a bigger impact than most drivers previously thought.

So which jobs are best for cheap car insurance, and which jobs can lead to more expensive coverage? Our guide has everything you need to know, including a list of jobs covered by car insurance, including a list of the best and least insurable jobs.

Motor Insurance Jobs Uk

Insurance companies often ask for your employment status and position when you apply for insurance.

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While this may not seem like an important factor in calculating your premium, it is possible that the information you provide could affect the cost of your policy.

Some jobs can lead to lower premiums, while others can increase them, so it’s important to experiment with different job titles if your role can legitimately meet different job descriptions.

Insurance companies will take into account how you describe your job and how you perform it (if you travel to work frequently or keep expensive equipment in your car) when calculating the cost of your cover.

They will also take into account how long your average commute is, which can also affect the cost of your premium.

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It’s important to remember that, whether you think it’s fair or not, insurers set premium prices based on statistics about past events (not any preconceptions or assumptions), which is currently the most accurate way.

Traditionally, nurses are among the cheapest jobs to insure, but it seems that many other public sector jobs are in or near the top ten cheapest car insurance jobs.

These include judges, school principals and school crossing guards (also known as lollypop men and women), who typically have lower average car insurance costs than most other jobs.

Retired drivers are on average offered the cheapest car insurance because they are considered less risky due to years of experience on the road, a large no-claims bonus, and because they are less likely to have a lot of miles now that they don’t have to re- commute to work or travel internationally for professional purposes.

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The retirement age in the UK is currently 65, and you probably already know that car insurance for people over 50 is often cheaper than insurance for other age groups. Retirees are usually those aged 50 and over, which of course leads to lower contributions.

This is because retirees are usually more experienced drivers, but they are also less likely to commute or commute, which in turn lowers their premiums.

Get a car insurance quote for retired drivers here or find out more about insurance for more experienced drivers in our guide to insurance for 60 and 70 year olds.

Data from previous auto insurance claims show that nurses are less likely to file a claim on their policy than people in almost all other professions. This inevitably leads to nurses being considered a lower risk, which in turn results in lower premiums.

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Many insurers also offer great deals to NHS workers, so it’s worth shopping around for exclusive discounts before taking out a policy.

Secretaries, medical secretaries, legal secretaries and personal assistants are among the top 10 cheapest jobs in the UK car insurance industry, according to This is Money.

The reasons for this are open to interpretation, but it seems that people who hold secretarial positions are more likely to have affordable insurance than those who work in many other occupations.

If you’re a secretary looking for affordable insurance, compare quotes here to see how much you could save:

How Your Occupation Effects Your Car Insurance Premium

Car insurance for police officers is usually cheaper than insurance for many professions because, like nurses and retirees, insurance claims data shows that they make fewer claims on their passenger car insurance policies than most other drivers.

According to insurance comparison site Quotezone, this may be because police officers “spend every day enforcing the law” and are therefore “more likely to obey road laws”, or perhaps because they spend a lot of time behind the wheel. their patrol car.

This is Money also named coastguards as one of the cheapest professions to insure in the UK, with some insurers offering coastguards exclusive discounts as they act as an emergency service.

There is also a special scheme, known as the Blue Light Card scheme, where people working in the emergency services and the armed forces are entitled to various offers, including in some cases car insurance.

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Get a car insurance quote with us at Compare UK Deals and get the cheapest policy for you in minutes:

Figuring out the logic behind the most expensive car insurance quotes can be quite difficult as the list seems random.

Recent research shows that the most expensive occupations for car insurance are fruit pickers, labourers, waiters and painters, while professional footballers and other athletes also have to pay high premiums.

Professional footballers have become notorious for their high rate of car accidents and are therefore penalized with higher insurance costs, but most likely a week’s salary is enough for a full year’s cover. So considering how much they earn, their insurance prices might not be too bad.

How Do Job Titles Affect Car Insurance Policies?

Car insurance for unemployed drivers also tends to be more expensive than the UK average, as revealed by a BBC study which found that unemployed drivers pay around 30% more for insurance than others. It seems unfair to pay a higher premium at a time when you can least afford it, but again prices are based on facts and figures from previous years and incidents.

Below is an infographic showing some of the most expensive car insurance jobs in the UK:

– but there are some things you can do to increase your chances of getting a better deal.

When you enter your details for a car insurance quote, try to change your title slightly if your job has more than one label. You may be surprised at the better premium, but remember to be honest – lying about your job can void your insurance.

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As long as you’re telling the truth, there’s no reason why you shouldn’t try to portray your job a little differently, by changing certain terms to get a better car insurance deal.

For example, if you put your job title as “illustrator” or “artist” that’s fine, but claiming to be a nurse when you’re actually a race car driver? not good In fact, this is considered a form of fraud and if you make a claim, your insurance will almost certainly lapse.

According to the money-saving car comparison tool, if you pay an average of £500 for normal insurance, switching to ‘illustrator’ instead of ‘artist’ could save you £62! This is a proven method – try it and you could potentially get cheaper car insurance today.

Finally, we cannot emphasize enough how important it is to compare car insurance quotes from different insurance companies – this is the best way to find the most suitable and cheapest offer for your personal situation. You can do this by tapping the green button below:

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News DVLA launches new digital car tax renewal system DVLA has launched a new online system that allows UK drivers to renew their car tax and apply for a replacement V5C logbook if it’s lost. Read more… Car insurance costs have soared for UK drivers, but a small change to your claim could save you £40.

According to the Association of British Insurers (ABI), the average cost of a renewal premium in early 2023 will be £436.

The average price of a policy for a new driver was higher at £545, an increase of £14 in just the three months to the end of March.

However, there are many ways to reduce the cost of your premium if you’re worried about straining your bank account.

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Making small changes to your job when completing your application can save you up to £40.

Research by Go Compare reveals seven sectors where a slight change in position can lower your premium – and it only takes a few seconds.

A price comparison site shows that changing your role from ‘builder’ to ‘construction worker’ could save you £5 a year.

The biggest savings you can make is changing your role from “fast food delivery driver” to “delivery driver”.

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NO PLACE TO EAT We ​​only have days to pay 14,000. pounds or become HOMELESS – our holidays are ruined

Don’t be fast and loose though – although you can make small changes to your position, you can’t lie down.

Ryan Fulthorpe, car insurance expert at Go Compare, warns: “It needs research