Which job title is likely to cost you more in insurance? The answer could surprise you.

4 September 2014

top10worstIf you work in the healthcare sector, you are most likely to be ‘at fault’ for a car accident, according to new research. MoneySuperMarket analysis of over 11 million car insurance quotes has worked out the top ten professions in the UK that make both the fewest, and most, 'at fault' claims on their car insurance policies.

Skilled and careful, surgeons are the ones to trust with your bypass, so long as it’s not an A road, as they top the list of those most likely to make an at-fault claim, followed by healthcare colleagues GPs, health visitors and hospital consultants. Suggestions are that healthcare is a demanding and stressful job, thereby leading to more accidents outside of work- the only job outside of health care in top ten is that of probation officer, which seems to support this theory.

top10fewestHowever, the table of the ten professions least likely to have an 'at fault' claim is more varied, but includes a number of positions ending in clerk, suggesting that administrative roles are less likely to stress people out so much that they crash their car. The list includes building society clerks, typists and funfair employees as being the safest drivers in the UK.

Kevin Pratt, car insurance expert at MSM, said: “It is really interesting to see how much one industry dominates the top ten claims table – it seems those who have the responsibility of saving our lives and caring for our health are the most accident prone drivers. There is no doubt that surgeons, GPs and health visitors are all stressful jobs, so lack of time or tiredness could mean that these drivers are more likely to make an 'at fault' claim.”

“Being involved in an accident, no matter how minor, whether you're at fault or not, can be a traumatic and costly experience. Our research shows the average claim value for an 'at fault' accident is nearly £3,000 and claiming for either 'not at fault' or 'at fault' accidents will drive up annual premiums, typically adding around £33 on average.”

But what good is this to you if you are a healthcare worker? Well, a little while ago, we investigated the cost saving benefits of changing your job for car insurance purposes. We weren’t advocating lying, of course, but if your job could genuinely fit between a couple of definitions, why not go for the one that gives you cheaper insurance- like being a nanny instead of a childminder, for example. And if you could legitimately be described as a packer, a picker or a typist , why not see if it’s also safer on your pocket to be one?

TOPICS:   Insurance

1 comment

  • Child C.
    [...] Which job title is likely to cost you more in insurance? The answer could surprise you. – If you work in the healthcare sector, you are most likely to be ‘at fault’ for a car accident … why not go for the one that gives you cheaper insurance- like being a nanny instead of a childminder, for example. And if you could legitimately be … [...]

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