New research from Confused.com shows that jobs can affect the amount paid for motor insurance premiums. Airline captains could be quoted as little as £320 per year to insure their car compared with a mobile disco owner whose average cost per year is £6,800, and apprentice footballers who are tackling quotes above £6,200.
Confused.com has compiled a list of the top ten professions which generate the highest average quotations and also the lowest, based on a year’s worth of quotations.
The online comparison site is reminding drivers that the insuring company must be made aware of any job changes, as this could lead to a lower premium as some jobs are statistically less risky than others.
Gareth Kloet, Head of Car Insurance at Confused.com said: “The cost of insurance is calculated on different factors such as the type of car you drive, the area you live and your own driving history as well as statistics for others of a similar demographic to yourself. This does not mean that every airline captain will be landing a cheap deal – each individual will be quoted on their own data – but your profession can significantly affect your insurance cost so if you change jobs it’s worth letting your insurer know. Contributing factors will include the type of car you choose to drive, the average age of people with that profession and of course your claims history as a driver.
“Regardless of your profession, it’s always advisable to use a trusted comparison site such as Confused.com to get yourself the most competitive quote you can.”
The top ten professions quoted the highest comprehensive car insurance premium:
| Occupation | Average Annual Premium | |
| 1 | Mobile Disco Owner | £6,809.57 |
| 2 | Professional Footballer, Apprentice | £6,263.61 |
| 3 | Diplomatic Staff | £4,087.96 |
| 4 | Footballer | £3,992.69 |
| 5 | Nightclub Owner | £3,841.29 |
| 6 | Referee | £3,679.02 |
| 7 | Professional Footballer, Football League | £3,422.26 |
| 8 | Dealer – general | £3,082.06 |
| 9 | Student, school | £3,006.18 |
| 10 | Student, college, living with parents | £2,971.07 |
The ten professions quoted the lowest comprehensive car insurance premium:
| Occupation | Average Annual Premium | |
| 1 | Captain, Airline | £320.81 |
| 2 | China Restorer | £336.44 |
| 3 | Toy Maker | £337.87 |
| 4 | Travel Guide Writer | £379.09 |
| 5 | Guest House Owner, Unlicensed | £383.76 |
| 6 | Smallholder | £390.21 |
| 7 | Remedial Therapist | £392.72 |
| 8 | Ornithologist | £396.00 |
| 9 | Pilot Harbour Ships | £400.22 |
| 10 | State Enrolled Nurse | £406.42 |
This table uses Confused.com’s own quotes data and is based on all quotes made on confused.com during the last 12 months from 1st Oct 2010 to 30th Sept 2011.
Source : Confused.com
