Should you risk getting in a car with a doctor?

Red car

Surgeons are most likely to make ‘at-fault’ claims on their car insurance, according to our analysis of more than 11 million car cover quotes. Here at MoneySuperMarket, we’ve been looking at which professions are most and least likely to make ‘at fault’ claims on their car insurance. This is an accident or loss where someone is considered to be to blame, or where the costs can’t be recovered from someone else. The findings are fascinating. Nine of the 10 ‘most likely to make an at-fault claim’ professions were in the healthcare sector, whereas clerical workers appeared to be the safest drivers, recording the fewest at-fault claims per 1,000 drivers. Take a look at the top 10 most and least likely professions for yourself…

As you can see, surgeons are around 100 times more likely to make at-fault claims than building society clerks, according to our findings. But MoneySuperMarket car insurance expert Kevin Pratt has an idea why. Kevin said: “It is really interesting to see how much one industry dominates the top ten claims table – it seems those who have the responsibility of saving our lives and caring for our health are the most accident prone drivers. There is no doubt that surgeons, GPs and health visitors are all stressful jobs, so lack of time or tiredness could mean that these drivers are more likely to make an ‘at fault’ claim.

“Being involved in an accident, no matter how minor, whether you’re at fault or not, can be a traumatic and costly experience. Our research shows the average claim value for an ‘at fault’ accident is nearly £3,000 and claiming for either ‘not at fault’ or ‘at fault’ accidents will drive up annual premiums, typically adding around £33 on average. “We urge drivers of all professions to take care on the roads - to avoid making claims, and risk the safety of themselves and drivers around them.”

Shop around at renewal

If you’ve had to make a claim on your insurance, it makes it even more vital to shop around for the best deal on your cover at renewal. Insurers all have different ways of pricing based on risk and some might be more lenient than others, especially to win your business. With so much choice available it pays to spend a small amount of time comparing insurance quotes and getting the best deal for your changed circumstances. The data is taken from 1.9million claims, recorded in the disclosed five-year history of each driver, from 11 million quotes run on our car insurance comparison tool between April last year and March this year, and uses the standardised list of professions used by all insurers.

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