Risky business: why footballers pay the most for car insurance

Expensive professions insurance

New research reveals which professions pay the most on your car insurance. And it’s bad news for footballers, but great news for exam invigilators.

Indeed, what you do for work can have an enormous effect on the premium you pay. The top 10 most expensive professions don’t pay less than £1,000, on average, with a peak of nearly £2,000 for footballers.

Contrast that with the 10 least expensive, which don’t rise above £300, with invigilators paying a low of £252.

How does your job affect your car insurance?

Insurance price comparison premiums

Car insurers aren’t being presumptuous about how safe, or unsafe, your profession makes you as a driver. They analyse the thousands of quotes and claims they’ve previously dealt with to assess the risk.

Here are the top 10, with the top five bullet-pointed and the lower five in the paragraph below. Each profession listed was recorded a minimum of 200 times on MoneySuperMarket between October 2018 and October 2019.

Young driver insurance premiums

Most expensive to insure

1. Professional footballer £1,978
2. Sportsperson £1,511
3. Fast food delivery driver £1,291
4. Scrap dealer £1,286
5. Apprentice £1,243

The sixth to 10th respectively are: car wash attendant, student (home), town clerk, doorman and carpenter’s assistant. Their average premiums range from £1,237 to £1,099.

Cheapest to insure

1. Invigilator £252
2. Newspaper delivery driver £268
3. Retired £270
4. Curtain maker £278
5. Janitor £283

The sixth to 10th cheapest are: guest house proprietor, medical secretary, registrar, chiropodist and T-shirt printers. They range from £284 to £294.

Needless to say, a great number of other factors come into play. Consider for instance, the type of car you are insuring. Someone putting ‘professional footballer’ as their occupation is more likely getting quotes to insure a Ferrari than, say, a curtain maker. Therefore, the average cost of a quote is likely to be much higher.

That’s even more true when you consider another couple of factors: age and experience. Professional footballers tend to be younger and, as such, have fewer years on their licences.

Insurance price comparison premiums

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

“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.”

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