Drivers warned certain jobs will force car insurance prices up this year – ‘Different levels of risk’

Drivers have been warned they face sharp increases in car insurance premiums this year as insurers continue to base costs off job titles, according to new data.

The report detailed how different job titles can impact car insurance premiums with roofers facing the highest prices in the UK with an average cost of £641, almost double what those in the medical profession pay.

Medical secretaries benefit from low premium rates at £333 per year with retirees faring marginally better with prices as low as £319.

Construction workers and service industry professionals dominate the list of those with the most expensive insurance premiums.

Do you have a story you’d like to share? Get in touch by emailing motoring@gbnews.uk

This was followed by roofers at the top and barbers coming in second with premiums listed at £637, while floor layers round out the top three at £623.

Construction workers and account directors both face premiums of around £610, with construction engineers paying £598. The data also showed how beauticians, delivery couriers, cafe owners and restaurant managers all pay between £582 and £595 annually.

Tom Banks from Go.Compare said: “Different professions represent different levels of risk. When it comes to calculating the price of your car insurance, providers will consider a number of factors – like where you park your vehicle, where you live, and how many miles you drive.”

At the other end of the scale, clerical roles dominate the list of professions paying the lowest insurance premiums while accounts clerks and local Government officers both pay around £337.

Administration officers pay slightly more at £343, with civilian police staff paying £344. Minibus drivers and storemen complete the top 10 lowest-paying professions, with premiums of £346 and £349 respectively.

Banks added: “If your job typically involves a lot of driving or presents additional risks due to the nature of the work, then you might see higher insurance premiums.

“Conversely, if your profession is one that doesn’t generally involve much driving or obvious risk at all, then you could potentially find yourself paying less for your car insurance. They also look at the kind of work you do, as different professions represent different levels of risk.”

To help keep car insurance prices low for drivers, Go.Compare has offered several tips for drivers to take regardless of occupation.

One of them included registering the importance of accurate mileage reporting, noting that many drivers make rough estimates when more precise calculations could help reduce costs.

Timing is also crucial when purchasing insurance, he warned, with potential savings of up to 55 per cent available by buying 26 days before renewal. Meanwhile installing insurer-approved security measures like wheel locks and alarms could also lower premiums.

However, the expert advised against vehicle modifications, warning that alterations typically increase insurance costs and may make vehicles more attractive to thieves.

Banks also advised checking various accurate job descriptions to find the best rates, while noting the need for complete honesty, especially when adding different drivers to the policy.

LATEST DEVELOPMENTS: