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Top 10 jobs with the most expensive car insurance premium revealed

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Are you a barber, a cafe owner or a librarian? Then we’ve some bad news when it comes to car insurance…

Car insurance comparison website GoCompare has listed the top 10 occupations that attract the highest car insurance premiums.

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It’s not all bad news though, because a small change in the way you describe your job can make a big difference to your premium according to the insurance site.

Using the average best price available for each job occupation, the comparison service has revealed who is paying the most – and the least for their insurance.

According to the data, the ten professions who are paying the most for their car insurance are:

OccupationAverage premium
Fast food delivery driver£1,369.27
Taxi driver£1,010.14
Librarian£949.08
Shopkeeper£919.03
Courier£908.88
Computer operator£908.02
Picker£893.54
Cafe owner£893.29
Delivery courier£890.83
Barber£878.64

And at the other end of the scale, the professions that are benefitting from the cheapest premiums are:

OccupationAverage premium
Retired£395.18
Occupational therapist£460.09
Research scientist£469.72
Credit controller£477.89
Local Government Officer£482.79
Clerical Officer£483.34
Scientist£486.81
College lecturer£487.98
Quality engineer£489.66
Nursery worker£490.63

Commenting on the findings, GoCompare’s car insurance spokesperson, Ryan Fulthorpe, said:  “It’s always interesting to look at how a job title can impact your car insurance – there are some obvious professions in here where you’d expect to pay more.

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“For example, a fast food delivery driver will be on the road more and is therefore seen as more of a risk by insurers, but professions such as librarians and computer operators aren’t generally considered “risky” professions.

“When it comes to those who have the cheapest premiums – again, a retiree would make sense as they’re less likely to be on the roads at peak times and therefore less likely to get into a collision.

“If you are getting a quote for your car insurance, it is worth looking at the wording of your job title to see if you can save money on your premiums.

“Obviously, any changes would have to be within reason – for example, if you stated that your profession is “retired” but you’re actually a fast food delivery driver, that would be materially very different and could invalidate any future claims you need to make on that policy.

“However, if you changed your job title from “chef” to “caterer” or from “journalist” to “writer”, then these would be acceptable ways to describe your profession.”

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Ryan added: “Now more than ever, we are looking to find savings on our outgoings, and there are ways to do this – particularly on insurance purchases. Just making sure that you don’t simply renew or accept the first quote that you’re given can make a real difference to the cost.  And thinking about your job title can be another way to bring the cost down.”

GoCompare has produced a report about job titles and how these can impact your premiums, which can be found here – https://www.gocompare.com/car-insurance/guide/how-your-job-affects-your-car-insurance/

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