How job titles affect car insurance

Your occupation is one of the factors that insurance providers can take into account when calculating the price of your car insurance. How you describe what you do can have a big effect on your car insurance.

Different jobs have different risks

The type of job you have may affect the car insurance quote you’re offered. Your premiums might be more expensive if you drive regularly as part of your job, or if you carry expensive equipment or stock in your vehicle.

Even if you don’t use your car for business purposes and simply commute to and from work, what you do for a living can still make a difference as some professions are considered riskier than others by insurance providers.

How job titles can affect car insurance

Which jobs increase the cost of car insurance?

You may think, quite rightly, that racing car drivers pay more for their car insurance. But you might be surprised to learn that some people with regular jobs, such as journalists or window cleaners, are also likely to pay more. 

Some of the more interesting sounding jobs

  •     Kissagram Person
  •     Medal Dealer
  •     Body Fitter
  •     Dog Warden
  •     Dendrochronologist



Tweak your job description

Some jobs have more than one description, so you can tweak your job title as long as you’re still telling the truth about what you do. Yes, you can legitimately describe your job in a number of ways to get yourself a better deal on your car insurance.

For instance, if you update your job description from artist to illustrator, you could see a difference in price. And while insurance providers have a lot of jobs on their list, they won’t always have the perfect one, so try to be as accurate as possible to see what fits.

But it’s very important that you’re honest and accurate in what you tell your insurance provider. Saying you’re a nurse when you are, in reality, a rugby player could make your policy invalid.

Get a good deal on your car insurance

Finding a good deal on your car insurance is easy. Compare car insurance with us and you can be confident that you’re getting a policy that suits your needs at a price you can afford – whatever your occupation.

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