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Does your job make the 2015 at-fault claims list?
The latest research from MoneySuperMarket analysed over 13million car insurance quotes to come up with a comprehensive list of the occupations most and least likely to make a claim - a major factor in how insurers decide how much to charge.
So, who’s making the most claims? And what does your job say about your driving? If you’re a data processor, a doctor or an estate agent, you might want to look away now. If, on the other hand, you’re a picker, a packer or a painter (no, really), read on…
Who makes the most claims?
After poring over those 13million quotes, our data analysts found that, ironically, it was data processors who made the most claims, with 139.6 claims per 1,000 drivers, closely followed by doctors who filed 139.4 claims in every 1,000.
It’s tough to understand why this might be the case as data analysis isn’t a job necessarily associated with long hours or an excessive amount of time spent on the road. It may just be down to some pent-up pivot table rage.
Doctors, on the other hand, could possibly pose a claim risk as they work long and often unsociable hours and may have to rush out on emergency appointments.
The same could be said for estate agents, the third most risky profession with an average of 128.4 claims per 1,000, who are often zipping around from property to property to meet prospective house-buyers.
In the main, it appears to be those with occupations traditionally described as ‘professions’ come with the greatest claim risk as chartered accountants (127.3), solicitors (120.9) and scientists (119.8) all figure in the top 10.
Who makes the fewest claims?
The list of occupations that make the fewest claims is like the start of a particularly tricky tongue-twister: pickers, packers and painters make up the top three.
According to our numbers, pickers and packers make the fewest claims with an average of 28.1 and 29.8 claims per 1,000 drivers respectively. But, as both jobs often require employees to work long and unsociable hours, it pours a certain amount of cold water on this being a mitigating factor for doctors.
Next in line are painters with an average of 29.9 claims per 1,000 and food processors (which is actually an occupation and not just a kitchen appliance), who make an average 35.5 claims per 1,000.
The rest of the top 10 is dominated by those for whom driving is a core part of their everyday job: car salesmen make 41.2 claims per 1,000, car delivery drivers account for 44.9 claims in every 1,000, while drivers and car body repairers make an average of 46.3 and 46.7 claims respectively.
Peter Harrison, car insurance expert at MoneySuperMarket, sheds light on the findings: “It’s surprising to see what your profession can say about your driving habits. Doctors, estate agents, chartered accountants and air cabin crew are all busy and demanding professions, so stress and lack of time could play a part in why those who do these jobs are more likely to make an ‘at fault’ car insurance claim.
“Of those professions who are least likely to claim, car salesman, car delivery drivers, drivers and car body repairers all work with cars on a daily basis so may be more cautious on the roads.”
Insurers don’t only judge those in work – being unemployed can also bump up the cost of cover as insurers often think the unemployed are more likely to make a claim. For more on this, read my article 'Why unemployment bumps up car insurance costs'.
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