Blog: Another Insurance Job?

Last week we produced some work that was picked up by The Sunday Times who ran a story under the headline: “Lawyers among most accident-prone motorists”. The study that we undertook was to look at almost 300,000 car insurance quotes that have been run through and to correlate the driver’s occupations with the frequency with which they make an insurance claim.

Now because people in some professions may drive more than others we also factored this in to our analysis and produced what the boffins here call a “weighted” result that takes into account the different annual mileages driven by each of 300+ occupations studied. We also removed any occupations where there were less than 50 drivers so as to rule out any odd results that might come from small sample sizes.

This work followed a similar analysis that we ran earlier this year looking at the correlation between occupations and driving convictions.

The results were really interesting. Here is a list of the 10 occupations most likely to be making a claim on their motor insurance:

  • Counsellor
  • Lodging Services Manager
  • Broadcast/Theatre Production Manager
  • Local Government Legislator
  • Barrister/Solicitor
  • Health Inspector
  • Optometrist
  • Midwife
  • Resident Medical Officer
  • Quality Assurance Manager

Lurking just outside the top 10 we found GPs, Dentists, PR Officers, Train Drivers, Chemists, Teachers and Police Officers!

And at the other end of the spectrum (at up to 5 times less likely to make a claim) here are the 10 occupations least likely to be troubling their insurance companies, with the least likely at the top of the pile:

  • Fencer
  • Stonemason
  • Blacksmith
  • Concrete Worker
  • Forecourt Attendant
  • Slaughterer
  • Docks Worker
  • Recovery Vehicle Coordinator
  • Crop/Livestock Farmer
  • Steel Erector

Note the number of manual/artisanal occupations that feature in this “low claims” list.

Now what we’re not saying here is that these people are better, safer drivers or even that they have fewer accidents. Just that statistically speaking they make far fewer claims on their insurance. This could perhaps be down to confidence with paperwork or just an acceptance that minor damage from a brush with a garage door doesn’t warrant repair and/or a claim.

We would welcome your thoughts on this (share it with your friends to get their opinion!) and whether you have any anecdotal experience to back up or refute the findings.

To see the full listing and to use our look-up tool to see how your occupation fares, check our insurance claims vs occupation tool.

Whatever your occupation we’ll guarantee you a warm welcome at when it comes to sorting out your car insurance!

Happy motoring!

28/09/2012 14:31:21 Eren

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