It was in the press this week that mobile disco owners have to pay the highest amount for their car insurance compared to a worker in any other profession, according to research.
Comparison site confused.com found that mobile disco owners will pay a huge £6,800 a year on average for their insurance as they fall into the riskiest category of motorists to insure. This is because DJs are more likely to be on the roads at night after a booking, as well as have expensive equipment within their vehicle.
At the other end of the spectrum, airline pilots land the cheapest deal with an average quote of £320 per year. This is because pilots tend not to drive as much as the average driver.
It is common knowledge that age, location and currently gender, affects the price of car insurance, but it may not be so widely known that a job title can impact premiums. This is why it is important when filling out car insurance details online you make sure you put down the correct job role to avoid paying over the odds.
For example, a bricklayer may put down the job role of builder, and pay more than they would have done if they had put their correct job role down, or vice versa - spending a couple of minutes checking the price for both could save you money.
If you change your job significantly then you need to let your insurer know and it may in some cases result in you saving money if your new role is statistically less risky.
Croupiers and journalists get stung in their wallets because of the nature of their job. Those who work in places like casinos and do unsociable hours may leave their cars in high risk places overnight, increasing their risk of theft and damage. Croupiers at casinos have extremely high premiums, due to angry customers losing money in the casino blaming them and vandalising the croupier's car.
Journalists also get a raw deal – even though the role has changed in recent times. A common presumption is that they still use the car more than average, have a high risk of an important passenger being in the car with them and that they are a higher risk due to the social aspect of the job. Builders and electricians are in an occupation that entails the use of expensive tools for the job - meaning they can be a target for a break-in to steal the tools – and they are a higher risk.
By personal injury claims handler, Sam Ord
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