Car Insurance Query

[morbidstorm]

A guy I work with announced the other day that your car Insurance cost does not just take in account the car you drive and the area you live, but also the occupation you have.

He said that even when you do not use the car for work or commuting purposes, someone such as a vicar or landlord would have higher premiums than someone who works in an office.

We thought this was absolute rubbish - does anyone know if he's right?

[Buenchico]

Your occupation certainly does affect your insurance premium (although I'm not sure why your colleague thinks that vicars have particularly high premiums!).

The highest premiums are usually associated with jobs such as professional footballers. Others with high premiums include journalists, entertainers, bookmakers and taxi drivers (even for insurance relating to their private cars which are not used as taxis).

The lowest premiums are usually given to those in the 'caring professions' (such as teachers and nurses). Bank managers also have minimal premiums.

Office workers and people in 'customer service' jobs normally have relatively low premiums (but not as low as the professions mentioned in the previous paragraph).

You might think that unemployed people would be likely to have low premiums because they can only afford limited use of their cars. In fact, this is not the case. For most people (except those who already pay the highest premiums) unemployment means a rise in their insurance payments.

Chris

[dzug]

Yes he's right - some occupations are regarded as high risk and can be more expensive; some are low risk and get cheaper insurance.

Whether his examples are right I don't know, but the principle is definitely right.

[Oneeyedvic]

100% accurate. If you want to find out what the premiums are - go to one of the online companies (like www.elephant.co.uk) and enter some fictioious details (Mr John Smith) and keep getting different quotes, keeping the details the same but change the occupation

[Loosehead]

without getting into a general class debate the insurers rightly or wrongly also assume certain levels of risk based on associated life style and likely day to day risk of the different professions. Eg office worker goes to work all day leaves the car in a car park. Social activities are likely to avoid situations where potential damage may occur. Unemployed person will probably live and socialise in a situation where damage is much more likely.

There are no isms in the insurance industry, actuaries are the best bookmakers in the world.

[Berylium]

Loosehead - what a load of absolute cr@p you write, as usual

[Loosehead]

So you are the expert then Berylium. Care to back up your trite drivel. No thought not another a55hole who can't put their brain in gear before engaging mouth.

Read all 3800+ of my answers have we? so what does "as usual" mean, ahhhh we are green aren't we, yes green, mm

Tell you what get a quote for the same car, same circumstances and then try it with different jobs and note down the answers, if you can write. Then come back and grovel you sub human piece of pond life.

If you want to disagree with me come armed with your reasons and knowledge not a hysterical sub 50 IQ determination.

Note to self: Never help out this ar5e!