Car Insurance Job Picker

How does my job title affect car insurance?

Your job title is one of the key personal factors insurance companies look at when deciding whether you’re a high-risk driver or not and setting your car insurance premium.

Your job may impact:

• How many miles you drive: For example, you might have a long commute to an office, and higher mileage often results in higher premiums

• When in the day you drive: For example, if you work night shifts you might be at higher risk of an accident

Over time, car insurers have collected vast quantities of claims data for each job and industry, which ultimately impacts the car insurance quotes those professions receive.

How can the job picker tool save me money on my car insurance?

When getting a car insurance quote you'll have to tell insurers what your job is and sometimes what industry you work in as well.

All car insurers tend to use a standard list, which means that sometimes your actual job title might not always appear in the job titles listed - so, you'll have to pick the best match.

It's sometimes the case that there are multiple job titles and industries that could describe what you do, and our car insurance job picker tool will help you to identify what those titles are and whether they're quoted lower premiums on average.

For example, if you work in a cafe then choosing ‘cafe worker’ rather than ‘cafe staff’ could result in a £150 lower premium, as our data shows that cafe staff pay £886.13, on average, for a fully comprehensive car insurance policy whereas cafe workers pay an average of £733.55.

Is it OK to change my job title when getting a car insurance quote?

If you can’t find your exact job title on the insurer’s list when getting a car insurance quote, it’s OK to choose a similar one as long as it accurately reflects what you do for a living.

For example, if you can’t find ‘pre-school assistant’ in the job list you could legitimately choose ‘nursery worker’ or ‘nursery assistant’.

According to our data, a nursery assistant pays £612.85^{^} , on average, for a fully comprehensive car insurance policy whereas a nursery assistant pays £740.24^{^}

But if you choose a job title which doesn’t describe what you do (in this example, if you chose ‘nursery manager’) then it's classed as insurance fraud and your insurer can cancel your policy and add you to a central fraud database that other insurers can see.

If you work two or more jobs then you must tell the insurer about each job you do. They will concentrate on your main job or if you do two or more equally, look at each when calculating your car insurance premium.

What should I do after I’ve checked my job title?

The next step is to fill in our quote form to compare quotes for you and your car.

That’s because the data listed via our car insurance job picker tool is an average for all the policies sold that listed those occupations.

Your personal car insurance quote will be based on a range of other factors, including your age, where you live, the car you drive and your driving history.