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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 GriffinFounding member of GoCompare
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.
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.
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.
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.
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.
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.
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)?
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 youâ€™re a footballer or a GP, youâ€™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 â€˜chefâ€™ your average quote could be as much as Â£88* higher than if you selected â€˜kitchen staffâ€™. 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, itâ€™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 youâ€™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.