Racing drivers pay the most car insurance

Updated: 

Most expensive insurance premiumsPA

It's not exactly a big secret that your occupation has an effect on your car insurance premium.

But did you know which jobs are most favoured by insurance firms?

If your work has anything to do with the world of sport, you'll be paying the most in car insurance, says comparison website moneysupermarket.com.

The firm has revealed the jobs which incur the highest and lowest insurance premiums.

Racing drivers, footballers, theme park workers, scrap dealers and even exotic dancers are the people who'll be paying the most.

Own a guest house? You'll be among the people who pay the least for their insurance; so too do nurses.

Moneysupermarket.com says nurses, guest house proprietors and magistrates have to shell out less on average because they are less likely to make an expensive claim. These individuals pay, on average, just £255 a year.

Racing drivers pay more because of their speedy reputation while exotic dancers – thanks to unsociable hours – pay around £1,591 a year.

Kevin Pratt, insurance expert at MoneySupermarket, said: "Insurers have built up a bank of knowledge of how those who have a particular profession behave behind the wheel, so to them, your profession can therefore speak volumes about you as a driver.

"Our research clearly shows that the racier your job, the more expensive your premium will be.
Pratt added: "Most of the professions topping the most expensive premiums list have a reputation of living hard and fast.

"Insurers also know that people in these professions will be on the roads when other drivers are tired or have been drinking, and will often have to leave their cars parked in high-risk places after dark."

Topping the list for the most expensive professions were racing drivers, followed by footballers; other sports people; funfair employees; canvassers; scrap dealers; exotic dancers; disc jockeys; TV presenters and students.

Nurses came out on top of the least expensive jobs, followed by guest house proprietors; reflexologists; distillery workers; coastguards; bursars; magistrates; matrons; school crossing wardens and headteachers.