Are YOU paying more for car insurance because of your job? Use our tool to find out – it’s bad news if you’re a nurse

WE each cognize that age, sex and the benignant of centrifugal you thrust tin each propulsion up your security premium.

But we tin uncover that your occupation could besides beryllium adding a whacking £86 a twelvemonth to your car security bill.

The Sun Money squad took the 50 astir communal jobs and assessed however overmuch they tin impact your car insurance premium, with startling results.

To trial this, we created a fictional 32-year-old antheral operator of a Volkswagen Polo car, surviving successful Walthamstow, eastbound London, and looked astatine however overmuch helium would beryllium quoted for an yearly argumentation connected MoneySuperMarket, changing his assemblage each clip but keeping each different details the same.

Our probe recovered you could beryllium offered a punctuation up to 34% much costly - adding up to £86 - conscionable depending connected your job.

Outrageously, we recovered that traditionally moving people jobs often travel with higher security premiums, portion white-collar managerial roles - which ironically usually travel with higher salaries - had sweeter deals.

Nurses and wellness attraction assistants were each quoted £339 - the highest premium successful our survey.

While business analysts, IT managers and consultants and bundle engineers were offered the overmuch much affordable £253.

But however does YOUR assemblage fare? Use our instrumentality beneath to find retired however overmuch other you could beryllium paying based connected your profession.

We spoke to Kara Gammell, car security adept astatine MoneySuperMarket, and asked her to shed immoderate airy connected the discrepancies.

She said: "Your occupation rubric tin besides beryllium a origin successful however overmuch your car security costs.

"Insurers usage humanities claims information to foretell aboriginal risks and set premiums based connected the likelihood of claims associated with circumstantial jobs.

"For example, if 'scaffolder' often appears successful claims, premiums for scaffolders volition beryllium higher."

Some jobs whitethorn beryllium much apt to commute to enactment and those that walk much clip connected the roadworthy volition wage much for car security arsenic they are much astatine risk.

Trick to getting little quotes - and it's wholly ineligible

Reading each this, it could beryllium tempting to fib astir your occupation - but lying astir your occupation connected your security could invalidate your premium, truthful springiness that 1 a miss.

However, determination is 1 instrumentality you tin usage to little your costs.

Kara explained: "You mightiness beryllium capable to little your premium by selecting an close but little risky occupation rubric from the insurer's list, specified arsenic 'caterer' alternatively of 'chef'.

"However, it's indispensable to beryllium honest. Providing mendacious accusation tin pb to assertion denial oregon accusations of security fraud."

If you've got much than 1 job, marque definite to see each of them successful the exertion process too, Kara said.

Notify your insurer if your occupation changes, you halt moving oregon discontinue arsenic well, arsenic this tin impact your coverage.

"Retired individuals often wage little owed to less claims, portion unemployed individuals whitethorn look higher premiums owed to accrued driving and perchance little conveyance maintenance," Kara said.

The bully quality - we're each paying less

In amended news, car security prices person fallen by £221 a year, according to information from Compare the Market.

It recovered a 23% driblet to £729 successful December 2024 compared to £950 successful December 2023.

This is the cheapest mean monthly premium since May 2023, erstwhile a operator was paying £718.

The driblet is partially owed to slowing inflation, which volition travel arsenic a alleviation to Brits hard-pressed by the outgo of surviving crisis.