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HIGH RISK

The professions with the most expensive car insurance – from professional footballers to fast food delivery drivers

FOOTBALLERS spend the most on their car insurance than any other occupation, a new study has revealed.

But some drivers with regular jobs are also forking out a staggering amount on their yearly cover.

Premier league footballers, such as Manchester City star Sergio Aguero, fork out the most on their car insurance
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Credit: Eamonn and James Clarke Premier league footballers, such as Manchester City star Sergio Aguero, fork out the most on their car insurance Credit: Eamonn and James Clarke

A recent investigation by MoneySuperMarket has revealed professional footballers spend almost £ 2,000 on their car insurance.

This high premium is likely due to the fact the majority of Premier League stars often drive very expensive cars.

The analysis of over seven million car insurance inquires also revealed other sportspeople spend £ 1,511 on their annual cover.

Insurance companies will often set high premiums if your occupation increases the chances of you being involved in an accident or the car being stolen.

The most expensive jobs for car insurance
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The most expensive jobs for car insurance
Fast food delivery drivers spend £ 1,291 on their annual cover
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Credit: Alamy Fast food delivery drivers spend £ 1,291 on their annual cover Credit: Alamy

So occupations which require your car to be on the road, rather than in a safe and secure car park, are likely to be charged higher amounts.

Fast food delivery driver (£ 1,291), scrap dealer (£ 1,286), apprentice (£ 1,243) and car wash attendant (£ 1,237) are some of the most expensive occupations for car insurance.

Even students who live at home are forced to spend £ 1,156 on their annual cover, due to their inexperience on the road.

Meanwhile, exam supervisors have the lowest car insurance premium, only spending £ 252.

Newspaper delivery drivers (£ 268), retirees (£ 270) and curtain makers (£ 278) also pay a relatively small amount compared to some other occupations.

The least expensive jobs for car insurance
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The least expensive jobs for car insurance
Newspaper delivery drivers only spend £ 268 on their car insurance
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Credit: Alamy Newspaper delivery drivers only spend £ 268 on their car insurance Credit: Alamy

Drivers can make huge savings on their car insurance by tweaking their job title to a more specific description.

For example, a construction worker (£ 903 a year) could find a cheaper price if they legitimately describe themselves as a yard manager (£ 529), stonemason (£ 606) or building contractor (£ 651).

Rachel Wait, consumer affairs spokesperson at MoneySuperMarket, said: "Our research shows that footballers have the highest insurance premiums, which is to be expected, given they often drive very expensive cars.

"However, it is surprising to see the high rates paid by more 'everyday' professions – such as delivery drivers and car wash attendants.

"Insurance companies keep massive amounts of information on the claims they've paid in the past, which then influences the way they calculate a premium.

"As a result, some professions are seen as more of a risk and can be charged more.

"That being said, if you're in one of these job roles, don't panic.

"There are still ways to make savings on your car insurance, such as shopping around at the point of renewal."