Many drivers are aware that their occupation can affect the cost of their car insurance premium, but why is this? Essentially it's because some professions are deemed riskier than others to insure.

With this in mind we analysed 12 months of car insurance quote data in order to find out which occupations are the most likely to have driving convictions and at-fault claims, plus which car makes and models are favoured by the various professions.

by Lee Griffin

Founding member of GoCompare

Total Convictions

Which occupations are most likely to have a driving conviction? Nearly a quarter (24.4%) of the MP quotes we analysed had one or more conviction to their name. Sales directors were the second most likely to have had a conviction, with one in five (20.8%) people in this profession having received one or more driving conviction.

Occupation

Proportion

Member of Parliament
24.4%
Sales Director
20.8%
Managing Director
19.7%
Bailiff
19.4%
Radio Presenter
19.2%
Rigger
19.1%
Money Broker
18.8%
Operations Director
18.7%
Company Chairman
18.2%
Surgeon
17.6%
Member of Parliament - 24.4% Sales Director - 20.8% Managing Director - 19.7% Bailiff - 19.4% Radio Presenter - 19.2% Rigger - 19.1% Money Broker - 18.8% Operations Director - 18.7% Company Chairman - 18.2% Surgeon - 17.6%

Speeding Convictions

It seems some professions are in more of a hurry than others on the road. MPs top the table with more than one in five (22.1%) convicted of speeding, with radio presenters (19.2%) and Sales Directors (18.9%) in second and third place respectively.

Occupation

Proportion

Member of Parliament
22.1%
Radio Presenter
19.2%
Sales Director
18.9%
Managing Director
17.7%
Operations Director
17.4%
Bailiff
16.7%
Money Broker
16.6%
Company Chairman
16.6%
Surgeon
16.5%
Chartered Surveyor
16.3%
22.1% Member of Parliament Member of Parliament 19.2% Radio Presenter Radio Presenter 18.9% Sales Director Sales Director 17.7% Managing Director Managing Director 17.4% Operations Director Operations Director 16.7% Bailiff Bailiff 16.6% Money Broker Money Broker 16.6% Company Chairman Company Chairman 16.5% Surgeon Surgeon 16.3% Chartered Surveyor Chartered Surveyor

Convictions for Using a Device

Some professions are more likely than others to be caught using a device while driving. 4.3% of psychoanalysts have one or more conviction related to using a device while on the road, while dog breeders and pest control workers share the second spot.

Occupation

Proportion

Psychoanalyst
4.3%
Dog Breeder
2.0%
Pest Control
2.0%
Jockey
1.8%
Architectural Surveyor
1.7%
Chimney Sweep
1.7%
Promoter
1.7%
Art Restorer
1.6%
Heating Engineer
1.5%
Courier
1.5%
4.3% Psychoanalyst Psychoanalyst 2.0% Dog Breeder Dog Breeder 2.0% Pest Control Pest Control 1.8% Jockey Jockey 1.7% Architectural Surveyor Architectural Surveyor 1.7% Chimney Sweep Chimney Sweep 1.7% Promoter Promoter 1.6% Art Restorer Art Restorer 1.5% Heating Engineer Heating Engineer 1.5% Courier Courier

Driver At-Fault Claims

Which occupations count the most at-fault insurance claims? Six of the top ten occupations with the highest proportion of at-fault claims belong to the medical profession, which includes paediatricians, psychiatrists, and GPs. Of them, paediatricians rank the highest, with 17% of people in this occupation having made an at-fault claim.

Occupation

Proportion

Paediatrician
17.0%
Psychiatrist
14.0%
Usher
13.1%
General Practitioner
12.4%
Hospital Consultant
12.2%
Surgeon
12.2%
Museum Consultant
11.6%
Radiologist
11.5%
Transcriber
11.3%
Vicar
11.3%
17.0% Paediatrician Paediatrician 14.0% Psychiatrist Psychiatrist 13.1% Usher Usher 12.4% General Practitioner General Practitioner 12.2% Hospital Consultant Hospital Consultant 12.2% Surgeon Surgeon 11.6% Museum Consultant Museum Consultant 11.5% Radiologist Radiologist 11.3% Transcriber Transcriber 11.3% Vicar Vicar

Car Makes & Models - Traditional Jobs

Stereotypes aside, we were keen to see if some professions really favour certain car makes and models. We found that hairdressers are most likely to be found behind the wheel of a Vauxhall Corsa, estate agents are most likely to drive Ford Fiestas, and investment bankers are most likely to favour the Range Rover.

Job Title

Car Driven

Hairdresser
Vauxhall Corsa
Estate Agent
Ford Fiesta
Investment Banker
Range Rover
Doctor
Volkswagen Golf
Company Director
Range Rover
Manager
Ford Focus
Lawyer
Volkswagen Golf
Journalist
Ford Fiesta
Taxi Driver
Vauxhall Astra
Police Officer
Ford Focus

Car Makes & Models - Unusual Jobs

We also found that even the more unusual occupations seem to share a preference for certain makes and models too. UK monks favour Honda Civics, while tarot readers are more likely to drive a Fiat Punto.

Job Title

Car Driven

Archaeologist
KIA Rio
Art Critic
Toyota Yaris
Balloonist
Vauxhall Astra
Bodyguard
Audi A3
Diplomat
Volkswagen Golf
Footballer
Vauxhall Corsa
Monk
Honda Civic
Tarot Reader
Fiat Punto
Undertaker
Ford Focus
Zoo Keeper
Ford Fiesta

Conclusion

So, what have we learned here? Well, both the conviction and driver at-fault claims data does indeed support the assertion that some professions are markedly riskier to insure than others. But, as a driver, is there anything you can do to reduce your car insurance premiums (apart from switching professions entirely)?

Lee Griffin

Founding member of GoCompare

Your occupation is one of the key considerations used to calculate the cost of your premium. Ultimately, different professions are deemed riskier than others, so the chances are, if you’re a footballer or a GP, you’re likely to face higher premiums than a priest.

That said, in some cases there may be more than one job title on a pre-defined list, that accurately describes what you do, and in this case, you could make some significant savings. For example, if you describe yourself as a ‘chef’ your average quote could be as much as £88* higher than if you selected ‘kitchen staff’. Other jobs that tend to have a lot of similar options include office work, building and construction, teaching and journalism.

But remember, while trying different job titles could save you significantly, it’s important to be as honest and as accurate as possible when it comes to your insurance. Being dishonest with your job title could result in any claims you make being rejected or even your insurance being cancelled, which will prove far more costly than what you’ll save by playing fast and loose with your job description.

*Based on a 31 year old male, living in Reading, driving a Vauxhall Corsa, altering chef to kitchen worker.