UK hospitality workers 'pay the most' for car insurance

Abigail Fenton
·Writer
·2-min read
Professional drivers pay the biggest premiums. Photo: Oliur/Unsplash
Professional drivers pay the biggest premiums. Photo: Oliur/Unsplash

Drivers in the hospitality industry have the most expensive insurance cost out of the UK's 100 most common job roles, research shows.

Insurance companies generally consider professions where the driver of the car is on the road for a longer time as being high risk, due to the fact they are more likely of being in an accident.

This is likely why drivers pay the highest annual cost of £479.80 ($630), the research by Vanarama found.

However, the same can't be said for chefs (£420.73), hairdressers (£383.62), bar staff ( £381.69) and fitness instructors (£381.15), who make up the rest of the top five list.

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Most would not consider their professions as being especially “risky”, yet insurance on the same car would cost them a minimum of £381.15.

This is in comparison to the likes of a firefighter and police officer, who would be charged £350.57 and £337.87, respectively.

Meanwhile, mechanics have the cheapest annual car insurance costs of the 100 job roles analysed, at just £298.61 a year to be insured on a 1.5 litre Volkswagen Golf.

This may be due to the nature of their work, as insurance companies “may expect mechanics cars to be in good condition and drive in a considerate way that wouldn't damage the vehicle,” Vanarama said.

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Administrators (£308.44), designers (£312.91), design engineers (£312.91) and account executives (£313.37) make up the rest of the top five.

The research also found that on average, it now costs women more to insure their car than men – by £15.33 per year.

To find this Vanarama grouped each profession into several sectors of industry – such as education, construction and retail – and comparing the average costs of car insurance for a 1.5L Volkswagen Golf in each to figures from the Office of National Statistics, which show their respective gender bias.

Watch: 5 Ways to Keep Car Insurance Costs Low