Car Insurance And Rock And Roll: How Your Occupation Can Affect Your Premium

Iggy Pops recent foray into the financial services industry (taking the form of a Swiftcover advertising campaign) may have revealed something about the decline of rock and rolls cultural integrity. However it has also highlighted something else, the implications your job can have on your car insurance.

The advert in question involves Mr Pop cavorting around and generally revelling in having insurance with the company. But at the time the advert was originally aired they would not be able to cover him. Why? Because hes a musician.

As a result the ad didnt only cause raise eyebrows among Iggys legion of fans, the Advertising Standards Authority also had to get involved, forbidding the company from showing it again in the existing format.

But this restriction against musicians is not an unusual one in the insurance industry. Being a musician is one the occupations thats placed fairly high on the insurers risk scale.
There may not be an obvious connection between occupation and car insurance, but along with post-code, age and gender it is one of the rating factors on the car insurance risk assessment. An insurer typically gauges the risk of a driver in terms of where the car is likely to be parked, what times it is likely to be driven and how the car is likely to be used in regards to the drivers job.
In the case of musicians, they are deemed high-risk as they might have high claims for loss of future earnings if they are injured. Insurers would deem other high-risk occupations to be particularly stressful and involve a lot of time spent on mobile phones or behind the wheel. Premiership Footballers are another example of those who rank highly on the risk scale, since they are constantly in the public eye and could be targeted by rival fans on the way to training matches.
These are not the type of issues that most of us have to deal with on a day-to-day basis. So in what way can we expect our jobs to affect our premiums? The good news is that if any of the following apply to your job, the chances are your premium should be considerably lower than Iggy Pop and Stephen Gerrards:
1) You have a low stress occupation.
2) The safety of others is a key part of your job and training.
3) Your occupation means you often take public transport.
4) Your job is considered to be very meticulous, which is deemed to affect your driving habits.
At the end of the day most people arent going to change their job to lower their car insurance, so its really a case of finding cover that adequately covers your needs and situation. And if youre a musician, like Iggy, finding it tough to get insurance? Well, hes proof that there are alternative ways to earn a living!

About the Author:
Greenbee offers a range of insurance services selected by the John Lewis Partnership. These include: Home, car, travel, pet, wedding, event, 50 life cover and specialist home insurance products. Customers can click here: car insurance quote for further information.

Greenbee PR

Josie Anderson

greenbeepr@googlemail.com

171 Victoria Street
London
SW1E 5NN
United Kingdom

0207 592

Article Originally Published On: http://www.articlesnatch.com

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