It is now more expensive for fast food delivery drivers to insure their cars than it is for FOOTBALLERS, with cover costing them more than twice the average

Fast food delivery drivers now pay more for car insurance than any other profession, including footballers and taxi drivers, according to research.

Delivery drivers working for popular fast food businesses or freelance in restaurants pay £1,369 a year, more than double the average premium, according to comparison website Go Compare.

Insurers consider the profession to have the riskiest drivers, as they tend to be on the road more than the average person and are more likely to be on the road at night.

At the other end of the spectrum, retirees and occupational therapists land the cheapest deal with an average quote of £395 a year.

Whopper: Fast food delivery drivers pay the most in car insurance premiums, more than footballers, taxi drivers and any other delivery role

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Whopper: Fast food delivery drivers pay the most in car insurance premiums, more than footballers, taxi drivers and any other delivery role

It’s common knowledge that age and location can significantly affect the price of your car insurance, but research suggests your job title can leave you with higher than expected premiums.

The average premium by occupation in Britain for drivers is £549.55 a year, with the most expensive being on average £1,350 and the cheapest £400.

Footballers, who historically top the charts for most expensive coverage due to flashy cars, hectic lifestyles and high-profile incidents, typically pay £1,330 a year, with taxi drivers paying around £1,010 .

Hospitality workers such as waiters and cafe owners are among the most expensive occupations for car insurance, while librarians pay just £50 a year less than taxi drivers.

A librarian in the top five may surprise some, but they have been on the list of the most expensive occupations for two years in a row, although it is unclear why they would be considered riskier drivers by insurers.

Pictured Cristiano Ronaldo: Footballers are cheaper to insure than food delivery drivers, paying £30 less a year for car insurance

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Pictured Cristiano Ronaldo: Footballers are cheaper to insure than food delivery drivers, paying £30 less a year for car insurance

In general, those working in hospitality will pay more for their insurance, which can be attributed to being on the road more, making deliveries and perhaps working shifts.

Video: Prosus CEO sees increased growth in used cars and food delivery (Bloomberg)

Prosus CEO sees more growth in used cars and food delivery

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Meanwhile, scientists, lecturers and government officials have some of the lowest insurance premiums by profession, each paying an average of £500 or less a year.

But it may mean some Brits are currently paying more for their insurance

Stay-at-home dads also pay more for their car insurance than stay-at-home moms, with average annual premiums of £844 and £699 respectively.

Enrolling the correct occupation is essential when obtaining coverage. For example, listing your job title as a ‘civil servant’ might cost an average of £502 per year, compared to a ‘local government official’ who would pay £482 instead.

A ‘courier’ costs an average of £908, compared to a ‘courier-deliveryman’ who would pay £890, and a ‘car deliveryman’ would pay £874 a year instead.

Top 10 most and least expensive professions for car insurance premiums
Very expensive Average per year The cheapest Average per year
1. Fast food delivery driver €1,369.27 Retirement £395.18
2. Footballer £1,330.91 Occupational therapist £460.09
3. Taxi driver €1,010.14 Searcher £469.72
4. Librarian £949.08 credit controller £477.89
5. Trader €919.03 local government officer £482.79
6. Mail £908.88 clerical officer £483.34
7. computer operator £908.02 Scientist £486.81
8. picker £893.54 Lecturer £487.98
9. cafe owner £893.29 Quality Engineer £489.66
ten. delivery courier £890.83 Nursery employee £490.63

Ryan Fulthorpe of GoCompare said: commented: “It’s always interesting to see how a job title can impact your car insurance – there are obvious occupations here where you expect to pay more.

“For example, a fast food delivery driver will be on the road more and is therefore considered higher risk by insurers, but occupations such as librarians and computer operators are generally not considered ‘at risk’ occupations. “.

“As for those with the cheapest premiums, again a retiree would make sense as they are less likely to be on the roads during rush hour and therefore less likely to have a collision.”

“If you’re getting a quote for your car insurance, it’s worth looking at the wording of your job title to see if you can save money on your premiums.

“Obviously any change would have to be reasonable – for example if you said your profession is ‘retired’ but you are in fact a fast food delivery driver, that would be very different and could invalidate any claim. future you need to make on this policy.

“However, if you change your job title from ‘chef’ to ‘caterer’ or from ‘journalist’ to ‘writer’, then those would be acceptable ways of describing your profession.”

Ryan added: “Now more than ever, we are looking to save money on our expenses, and there are ways to do that, especially on insurance purchases. Just making sure you’re not renewing or simply accepting the first quote you’re offered can make a real difference in cost.

“And thinking about your job title can be another way to cut costs.”

What can I do to get a better price for my auto insurance?

1. Compare: Comparing car insurance quotes can save you up to £265 after new rules come into force, meaning insurers must now offer the same deals to renewing customers and new customers.

2. Buy early: the closer you get to the renewal date, the more you might end up paying. GoCompare found that customers saved over 40% on average when they purchased car insurance 26 days before the renewal date.

3. Consider your mileage: The fewer kilometers you travel, the lower the risk for insurers, so you will be cheaper to insure. But you should always give an accurate estimate because your policy could be invalid if you exceed it.

4. Pay annually: Paying a lump sum is cheaper than paying monthly.

5. Excess deductibles: premiums with no deductible are usually more expensive, so you may benefit from choosing a policy with a higher deductible. But beware, if you have to make a claim, you will have to cover the higher excess costs

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