How does my job affect my insurance?

Every wondered why your job affects your insurance?

Why choose how does my job affect my insurance??

1
From 1-28 days. You only pay for the cover you want and only when you need it.
2
Drive away cover while waiting for your annual policy.
3
Protects your no claims discount. Fully comp insurance for peace of mind.

Your job and your insurance

Something as simple as your job title can have a real impact on how much you pay for car insurance. Based on years of experience in the industry, insurers have built up an image of what each person in a profession looks like from an insurance point of view.

This image, along with a whole host of other risk factors determine how likely you are to make a claim and therefore how much your insurance premium will be.

Your insurer will look at the job you’ve entered on your insurance application and will use their past experience along with how often you use your vehicle and unfortunately, the stereotypical person within your profession to calculate the cost.

This is why it’s incredibly important to be as accurate as possible when applying for insurance.

The stereotype of your profession

It’s unlikely that your insurance company is going to know who you as an individual, so they group drivers into a number of different areas to get a picture of your risk. This means that you’re likely to be stereotyped by your job role.

For jobs that insurers think of as ‘safe professions’ such as nurses and magistrates, being associated with your profession can save you hundreds of pounds on your insurance.

If however, your job doesn’t have the best reputation when it comes to driving, footballers, DJ’s and journalists, for example, you are likely to pay more for your insurance based on the assumption that you are more likely to make a claim.

It’s not only the reputation of other drivers in your industry that can affect your premiums; the locations associated with your profession can also cause the cost to rise. Drivers in jobs with unsociable hours are more likely to park their car in high-risk areas overnight meaning they are at risk of being vandalised or stolen.

Even if you don’t have a job, you’re still likely to be stereotyped. Drivers who are retired are seen as more experienced and therefore less of a risk which means they will probably pay less for their temporary car insurance for unemployed people or students.

Now while you should never be dishonest or lie when applying for insurance, tweaking your job title could save you money on your insurance.

You could change your job title from an assistant to an advisor to save some money, but If you say you’re a teacher when you’re actually a motor racing driver, that’s fraud and not only could your insurer not pay out on any claims but you could risk fines and police action.

How often you use your vehicle

One of the most important factors insurers consider is how often you will be using your vehicle. The more you use your car, the more likely you are to have an accident just by being on the road more often.

If long journeys or constant driving are common within your role, expect to pay more than those within a regular 9-5 job.

Builders, carpenters, electricians, salesmen and even those with a long commute could face a higher insurance premium because of how much they use their vehicle for their job.

Tradesmen are also more likely to see an increased premium because they use expensive tools which are likely to be a target for thieves. Try parking your van off the road, in a garage to reduce the cost.

Temporary car insurance

No matter what your job is, the best way to save money on your car insurance is to only pay for insurance that you actually need.

If you’re going to be borrowing a car for work or need to use a work vehicle for a few weeks, purchasing annual insurance is often expensive and impractical.

For short-term driving, the quickest and easiest way to save money is with a temporary insurance policy. If you want comprehensive cover from just one hour up to 28 days, it’s the flexible solution, regardless of your job.

Get 1 hour to 28 days temporary car insurance in 90 seconds

Customer satisfaction

Since its inception in 2006, Tempcover has been dedicated to providing the best temporary vehicle insurance possible to hundreds of thousands of drivers.

We're currently rated 'Excellent' with a TrustScore of 4.6/5 on the consumer review website TrustPilot, and here’s what just some of the drivers who’ve used Tempcover before thought of our service.

At Tempcover, we aim to provide award winning temporary insurance:

Quick and easy how does my job affect my insurance? quotes

It couldn’t be simpler to get a how does my job affect my insurance? policy.

You can buy a policy online anytime you need it, and with our speedy quote process, you can get a price in just 90 seconds.

Temporary insurance from a panel of insurers

We all know that comparing prices is the best way to save money.

We compare prices and policies from a panel of leading how does my job affect my insurance? providers and show you the cheapest price possible.

You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
VISA, Mastercard, AMEX

After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.

The cover you need for the duration you want

Full cover, no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

Cookie notice

We use essential cookies to make our website work. We'd also like to use non-essential cookies to help us improve our website by collecting and analysing information on how you use our website and for advertising purposes.

You can agree to accept all cookies by clicking 'Accept all cookies' or you can change your preferences by clicking 'Manage Cookies' below. For more information about the cookies we use, see our cookies policy

< Back

Cookie policy

< Back

Manage cookies

We use essential cookies which are necessary to ensure our website works correctly.

We'd like to set non-essential analytics and marketing cookies that help us provide a better experience to our users. These help us improve our website and marketing by collecting and reporting information on the campaigns and web pages you interact with. It also helps us to target our marketing campaigns to people who are most likely to be interested in our services.

We'd also like to set a non-essential cookie which enables us to playback your journey on our website to assist with troubleshooting and to help us improve our website based on the behaviour of our customers.