DATA – How your job title affects how much you pay for car insurance
17/09/2024
New analysis from Quotezone reveals the professions that are consistently flagged as high-risk by insurers, resulting in some of the most costly annual premiums compared to other occupations.
Insurance providers base their pricing models on statistical data that shows higher claim rates amongst certain professions and jobs that typically involve long hours, high stress, or physical labour.
The insurance experts at Quotezone say the wording of specific job titles can often affect the overall premium price, so slight tweaks to the job title could actually help reduce premiums. As long as it’s still factually accurate regarding the day-to-day role and responsibilities – inaccuracies on an insurance policy can invalidate the cover, leaving drivers unprotected.
| Job (Top 20 Most Popular Jobs in the UK) | Avg. Car Insurance Premium (Q2 2024) | Price difference compared to national average |
| Warehouse worker | £1,371.67 | +39% |
| Healthcare Assistant | £1,343.13 | +36% |
| Chef | £1,279.44 | +30% |
| Sales Assistant | £1,240.68 | +26% |
| Shop Assistant | £1,193.98 | +21% |
| Accountant | £1,148.91 | +17% |
| Customer Advisor | £1,148.55 | +16% |
| Cleaner | £1,110.66 | +13% |
| Unemployed | £1,036.09 | +5% |
| Company Director | £997.95 | +1% |
| Factory Worker | £971.17 | -1% |
| Delivery Driver | £966.50 | -2% |
| Assistant Teacher | £874.45 | -11% |
| Houseperson (Housewife or Househusband) | £838.43 | -15% |
| Administration Assistant | £825.46 | -16% |
| Nurse | £741.16 | -25% |
| Teacher | £664.12 | -33% |
| Civil Servant | £589.12 | -40% |
| HGV Driver | £580.57 | -41% |
| Retired | £492.08 | -50% |
A recent Quotezone survey showed a quarter of people (24%) weren’t aware their job title affected premium price, with 61% admitting they’ve never tried adjusting it to find savings – of those who have tried, 61% found savings. Worryingly, nearly a third, 31%, didn’t realise that an inaccurate job title could invalidate their insurance.
| Did you know your job title can affect your car insurance price? | |
| Yes | 66% |
| No | 24% |
| Not applicable | 9% |
| Have you ever tried multiple variations of your job title to see if it reduces your car insurance cost? | |
| No | 61% |
| Yes | 22% |
| Not applicable | 17% |
| If yes, were you able to find savings? | |
| Yes | 61% |
| No | 37% |
| Not applicable | 2% |
| Did you know that having an inaccurate job title on your policy could actually invalidate your insurance? | |
| Yes | 55% |
| No | 31% |
| Not applicable | 14% |
This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.